BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021, I found an unauthorized charged from XXXX XXXX totaling {$19.00} from my deactivated American Express Serve XXXX XXXX XXXX. 
On XX/XX/2021 I opened multiple dispute cases for 37 charges totaling {$4300.00} as I informed American Express Serve, I did not authorize them which includes the unauthorized charged from XXXX XXXX on XX/XX/2021 totaling {$19.00}. I also asked American Express Serve to deactivated my card ending on that same day. The reason I asked them to deactivate my old card is to stop the on-going unauthorized charges. 

However, not only American Express Serve have declined my dispute 3 times already for the 37 charges totaling {$4300.00} without any explanations, but also they still allow the same merchant I have disputed before did another unauthorized charge on my deactivated card. When I contacted American Express Serve on XX/XX/2021 regarding how to stop XXXX XXXX charge from me on my deactivated card, one of their agents told me they have no way to stop that except closing the account or I have to contact XXXX XXXX by myself. How is that possible? I requested to talk to the supervisor, their agent told me the supervisor would tell me the same thing. That is ridiculous. 

I have confirmed the suspect who made all the transactions without my authority and also provided the evidence showing the suspect made a transaction on XXXX  using my card without my authorization to American Express Serve. They still declined my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We asked for a payoff letter from the company. This is not our first complaint as it took multiple times. Then when we did receive it only had one address and the loan is for two properties. When we asked for the Payoff Letter to include both properties we went round and round. Finally, they said they'd split the amount and send two loan payoffs instead of sending just the same one for both properties. When we received the separate loan payoffs they added XXXX XXXX added the principal amount of {$17000.00} to one house and {$18000.00} to the other house. Now, mind you the total amount of the loan owed was {$160000.00} +/-. So you can see how criminal this matter is. I just want to close out this loan and be done with this company 's XXXX and attempt at XXXX. There is no prepayment penalty left as this loan had a XXXX XXXX pre-payment and we are in year XXXX going on year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ). 

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: STERLING JEWELERS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
and I purchased my wifes engagement and wedding ring from XXXX XXXX from your retail store in XX/XX/XXXX. I have made my monthly payments on time and made my last and final payment of {$1000.00} in XX/XX/XXXX. I received a receipt once my payment was finalized. However, months after the payment was made I checked my credit online and it showed I had an outstanding balance with XXXX. Since XX/XX/XXXX I have been in contact with the home office in Ohio of XXXX XXXX. I have faxed the receipt and proof of payment countless times and as of XX/XX/XXXX my issue has yet to be resolved. Each time I contact XXXX XXXX I have to re-explain the situation but only to be transferred to a supervisor who always assures me the issue is being worked on and I will be contacted. There was a point I was in contact with a supervisor who was very apologetic and let me know a credit repair service will contact me and the payment will be applied through the treasury/finance department. Since my conversation with her, I have had nothing but failed contact attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 balance : Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been making monthly payments to Portfolio Recovery, but upon receiving my credit report, discovered I do not owe them money. 
Their contact number is XXXX. They also have made repeated phone calls to family. I want this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Good evening, I have already filed a complaint with Bank of America many times and Im looking for more help. I live in CA, I had my boa edd account drained when I received my last edd deposit and BOA froze/closed my account. This fraud was to no fault of my own. I am a single XXXX XXXX XXXX woman on my own out of a job due to covid and I am getting no further information to my claim. I need further assistance with my account and claim. I have money in my account and I am not able to access my account and EDD is still putting money into the account that I can not access. Please help I have been without money from this situation for over two weeks and I am behind on bills with money for food. 

Kind Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For 5 consecutive months Navient has misapplied my student loan payments in a way that disadvantages me and enriches Navient. My highest interest loans receive the lowest distribution and vice versa with my lowest interest, despite my calling repeatedly asking this to be fixed and receiving a " promise '' that this will be corrected for the next payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
THERE ARE LATE PAYMENTS IN THESE ACCOUNTS THAT ARE INCORRECT, I ALWAYS PAY EVERY ACCOUNT AND I NEVER WAS LATE. 
XX/XX/XXXX Account Number : XXXX XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Express Recovery Services, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Express Recovery is reporting erroneous collections on my credit file. I have been checking on my credit and noticed that Express Recovery is reporting paid collections. When I first settled these collections they assured me that the account would be removed. However, it's been over 4 months and they are still reporting. Not only that, these accounts are all medical bills! I never signed a HIPPA patient release form allowing them to report on my credit file. This is a HIPPA violation and must be removed from my credit immediately. The debt is no longer owed & you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I PURCHASED A NEW 2020 YAMAHA BOAT AND FINANCED IT THROUGH YAHAHA FINANCIAL SERVICES. I ORIGINATED THE LOAN AT THE END OF XXXX AND MY FIRST PAYMENT WAS DUE ON XX/XX/2020, WHICH I MADE ON TIME. SINCE THEN I HAVE BEEN PAYING OVER THE REQUIRED AMOUNT DUE IN ORDER TO REDUCE MY PRINCIPLE BALANCE, OR SO I THOUGHT. THE COMPANY APPARENTLY IS NOT APPLYING OVERAGE OF PAYMENT TO MY PRINCIPLE BALANCE BUT EXTENDING MY PAYMENT DUE DATE OUT. I BORROWED XXXX AND AFTER REVIEWING MY STATEMENTS AND CALLING THEM SEVERAL TIMES TO CORRECT THE SITUATION. IN FACT MAKING A REQUEST TO HAVE ALL MY OVER PAYMENTS APPLIED TO MY PRINCIPLE, THEY HAVE STILL NOT GRANTED MY REQUEST. I HAVE PAID YAMAHA FINANCIAL ALMOST {$6000.00} IN PAYMENTS AND YET MY BILLING STATEMENTS DO NOT REFLECT THAT DIFFERENCE ON MY PRINCIPLE BALANCE. THEY ARE APPARENTLY JUST MOVING MY DUE DATE OUT. THE LAST STATEMENT I RECEIVED IN FACT SHOWS THEM APPLYING ALL OF MY PAYMENT TO INTERREST? I HAVE ATTACHED THOSE STATEMENTS FOR YOUR REVIEW. I ALSO WANT TO ADD THAT FROM THE TIME I STARTED OVERPAYING MY STATEMENTS JUST STOPPED COMING UNTIL THE RECENT ONE IN XXXX. BOTH LAST AND LATEST ARE ATTACHED. YOU CAN CLEARLY SEE MY PRINCIPLE BALANCE HAS NOT BEEN REDUCED BY MUCH, ABOUT XXXX DOLLARS. WITH ALL THAT I HAVE PAID THEM, THIS CAN NOT BE POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not consent to authorize nor benefit the inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
wells fargo provided in accurate information in there response to my last complaint XXXX and XXXX XXXX did not bother to answer 1 of the questions. Nor did she provide a call back number. when i called them regarding there response which stated my interest payment would {$60.00} in XXXX, yet they sent me a coupon reflecting interest due of {$110.00} on XXXX XXXX. when i called the XXXX back she had a XXXX XXXX call me on XX/XX/XXXX whom i spoke with she also called back and left her number and extension in my voice mail XXXX ext XXXX when i called back today there system tells me it's an invalid ext number. when. i finally get someone else on the phone at the XXXX option 1 and then 1 again, she could not find anyone to assist me in over 10 minutes and refused to transfer my call back to the XXXX whom had also sent me a letter regarding my complaint. 

Could you please start an investigation into wells fargo home mortgage loan servicing as i firmly believe they are making errors in there favor that is cause undue stress on hardworking american. 

Also could you please have them send me a new coupon with the correct interest payment amount on it which is what i had requested XXXX XXXX get done for me. My payment is due on XXXX XXXX and they are going to make me late if they don't either mail or e mail me a corrected coupon. 

I tried to get online access however i can't as wells fargos system still show me as having an open cc with them even though i told them repeatedly to close the account 3 or 4 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX displayed felonious charges on my credit report. After disputing the charge, it was officially knocked down to a {$0.00} balance. Yet, the company continues to submit the fictitious charge. I spoke with the agent and forwarded the email from Experian to provide proof, and also informed her it would be illegal to attempt to place these charges on my credit statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have an account on experian called : XXXX XXXX XXXX which is a collection company that is marking on my credit report as a collection, this is affecting my credit score negatively, I have no knowledge of this account, and when i first made a dispute on this account, I believe experian gave that company my address which now they are sending me spam mail to my residence, telling me that i have to pay them. That is not ok, I want this solved as soon as possible. This is only with experian that is happening, with the other 2 credit bureaus which is XXXX and XXXX, that account does not show up on my credit report, now the only way that i see that this can get fixed, is for experian to stop sharing my information with them and for experian to ask them to verify my Social security to see if it matches there records, without disclosing any of my personal information. Thank you and hopefully this gets resolved soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/XX/XXXX Title Max repo my and my spouses XXXX XXXX XXXX the vehicle loan was in my name only and NOT my wifes therefore she has rights to said vehicle in that she is NOT a co-borrower she personally contacted Title Max on XXXX XXXX in XXXX Mo and advised them she intended to pay Monday XX/XX/XXXX and the Manager at said location said ok and verbal agreement was entered. However the highway robbery XXXX company Title Max lied and repoed said vehicle in my opinion stole it and violated Missouri Law and possibly Federal Laws in that my spouse was under No obligation and it is half hers therefore she has legal claim to said vehicle she is seeking a court order stating this and she will be filing a lawsuit against Title Max in that she has phone record of said verbal agreement and has legal claim to vehicle.

Company response to consumer: Closed with explanation