BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have had issues with an XXXX order totaling {$1300.00} that was charged to my American Express card. I initially filed a dispute with Amex which has gone back and forth since XXXX ( item is broken ) with American Express. After spending hours on the phone with XXXX XXXX merchant ), and Amex, XXXX agreed the credit card dispute process was getting confusing on their end. XXXX sent me an e-mail refund receipt confirming I will receive a full refund ( e-mail attached ) to my American Express credit card. This refund never processed through. I contacted American Express customer service and was told that they understand the issue and that it will be resolved and closing out the dispute was the best course of action while escalating the issue to their " back end team '' as I have a refund receipt but no refund. I have documented copious amounts of information with Amex and have a refund receipt from XXXX but this credit card company is not providing me with the layer of consumer protection they advertise. I have spent nearly XXXX this year alone on this credit card and am shocked at the fact that Amex is not holding up to their own credit card agreement on refunds, disputes etc. especially given that I have an e-mail citing a refund which was never issued to my credit card. Since XXXX I have had XXXX charges totaling {$1300.00} and XXXX credits of {$1300.00}. I should be at net zero and am not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX I summited a complaint for inquiries I do not recognize on my consumer report. Its been more than 60 days and no response was given. Please delete this inquiries immediately as they are hurting my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-03-08
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 around XXXX XXXX my XXXX and credit cards were pickpocketed. 
XXXX XXXX Police department case ID : XXXX I contacted my financial institution America First Credit Union shortly after I realized what had occurred around XX/XX/2023 around XXXX XXXX. 

Later that day around XXXX XXXX a XXXX  transaction for {$2500.00} was made from my stolen phone to another account. 

AFCU should have not allowed it to begin with because I reported my iphone stolen which should have indicated online banking was also compromised. 

AFCU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 applied for a personal loan and got denied but when they pulled my credit report 3 hard inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  were placed on my credit report. I also applied for an auto loan which was denied as well and had another hard inquiry on my credit report from XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be corrected as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: FL
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:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Starting back in XXXX : Midland Funding was calling me anywhere from 3 to 7 times per day trying to collect a debt I knew nothing about. They would call and ask for one name then call back and ask for another, then call again and ask for me by first name only. I had tried calling them and spoke to a woman that said she had nothing with my name through there company. and then again, phones calls were persistent for the next 3 years. I gave up answering and they never left a message. I only knew it to be Midland because I would call and ask who they were. All they would say is it was XXXX XXXX XXXX  was the original creditor. I never knew to have an account with XXXX 's XXXX   except for when XXXX XXXX XXXX XXXX had their XXXX XXXX XXXX through them ( to which that was paid with my IRS Refund ). 
As of XXXX, I stopped receiving calls because I had paid my phone service provider to have Elicit/Spam/Etc callers blocked. Yet for the last 2 years, approximately 4 times a year, I get a random bills in the mail, which I just tossed in the mail. To which I have provided them documentation that the debt was paid. I also filed disputes with all 3 credit reporting agencies that I am not responsible for this account, unknown collection. Midland only ever sent notices no proof of debt. 
How do I stop this? Do I need to hire a lawyer? If so, how do I get assistance to do so?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: LendingPoint Holdings LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
LendingPoint LLC is refusing to provide me with a copy of the loan application that a dental provider submitted to LendingPoint on my behalf unless I pay the alleged balance on my account.I understand that in or around XX/XX/2021 LendingPoint approved me for a loan of XXXX to be applied towards dental services provided by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) I believe that XXXX XXXX  which submitted the loan application to LendingPoint, falsified my income information on the application inan attempt to ensure its approval. I do not have a copy of the application, so I am unable to review it to confirm weather it contains falsified information about my income ( XXXX XXXX XXXX XXXX and received only XXXX ) .On or around XXXX XXXX, I called LendingPoint to request a copy of the loan application.A representative told me that I could not get a copy of the application unless I paid my balance.Without a copy of the application, I can not determine whether XXXX XXXX  submitted false information to secure the loan, which is preventing me from taking other steps to address the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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 status incorrect

Complaint:
I have disputed multiple times collection accounts with XXXX XXXX and Equifax that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We received notification from Citibank regarding potentially fraudulent activity on our credit card account ending in XXXX  on XX/XX/XXXX. Upon review of our transactions, we found several fraudulent charges on our card ( case # XXXX  ). Citibank immediately replaced our cards with account ending inXXXX. All fraudulent charges have been resolved except one made to XXXX XXXX for {$880.00} on XX/XX/XXXX. It appears that there were two charges for {$880.00} and then a credit to one of those charges, so the second {$880.00} remains on our card to date. Citibank Fraud department sent us a letter stating that they completed their investigation on that charge and that we are still responsible for that charge. Refer to the attached documents.

We also contacted XXXX XXXX XX/XX/XXXX. XXXX XXXX will not provide us the name of the person who purchased the ticket, the source booking location of the charges, names on those tickets, where the flights were going to, departure or return dates. We can attest that we were in XXXX, AL XX/XX/XXXX and did not book those flights from wherever they were made. Further, we have not flown anywhere from any airlines in XXXX or yet in XXXX. 

We have since filed a report with the FTC reference # XXXX and letter from that filing sent to Citibank. Refer to attached letter. 

Over the course of this event, we have made several calls to Citibank to get this issue resolved and checking status ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They appear to be trying to get this resolved but the issue remains open to date. We can only suspect that XXXX  is not supporting Citibank with the investigation.

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 2020-12-07
Company: EQUIFAX, 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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
I have become a victim to identity theft. Someone maliciously used my information to get credit. Help me to remove/block fraud items listed on my Chex Systems report. I did report these fraud items to law enforcement Under 15 U.S.C 1681B permissible purpose of consumer reports, the credit bureau or creditor does not have rights or consent from me to report this fraud item and/or exploit any of my personal information under FCRA guidelines XXXX Please help delete/ block the fraud and inaccurate items listed on my credit reports. Additional Inquiries : XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - Inquiry Date XX/XX/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 2022-02-17
Company: WELLS FARGO & COMPANY
State: SC
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:
XXXX and XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account WELLS FARGO BANK. I contacted the data furnisher and CRA requesting a to review my account. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties.

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 2023-08-10
Company: EQUIFAX, INC.
State: FL
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:
Failed to acknowledge or return payment of XXXX that shows on credit report it was made and deducted but doesnt reflect on report from XX/XX/2022 and has different balance amounts. And is missing a lot of information from credit report and I would like to seek damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
CRA hasn't removed fraudulent items even after submitting FTC identity theft report.

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 2020-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hell and happy Saturday! I'm not sure what's going on but i noticed that this collection from PRA on behalf of XXXX XXXX is still reporting on my XXXX  report. It was deleted and then re-appear without notification. I had called, email, fax and mailed out the letters! How is it possible that it still reports on my credit report whereas i haven't received any proper notification and none has responded to my investigation? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you reinvestigate this matter as required to do so under the FCRA. If you do not comply with the instructions of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$8600.00}

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 non-monetary relief
Consumer complaint received 2023-03-01
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have protections for my federal student loans through borrower defense to repayment. I attended the XXXX XXXX XXXX MN which is now defunct. My loans are with the same lender that they originated with, Navient ( XXXX Sallie Mae ) Are there any consumer protections for private loans for fraudulent for profit college loans? 
I have been paying on these loans for years with no options to refinance ( based on my attendance at this scam school no one wants to refinance the loans, aside from navient and requires a cosigner ) no bankruptcy protections and no accountability by the school for not providing adequate services, nor lender for issuing loans for a scam school. 
Is anything being done for private student loans on for profit fraud schools?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called to inquire about a charge that I didn't recognize on my Capital One MasterCard on XX/XX/XXXX. I was told that they would have to deactivate the card to proceed with fraud report. I told the customer service person not to deactivate the card and I would proceed with the fraud complaint when I got home ( I use the card for work travel ). They acknowledged that they would wait with the fraud and I thanked them. 

I attempted to use the card on XX/XX/XXXX and it was declined. They had deactivated it. I called Capital One on XX/XX/XXXX to ask what was wrong with the card. I was told that it was deactivated. After a lengthy conversation I was informed that a new card was being mailed to me. On XX/XX/XXXX I called to ask where the card was. I was informed that it was never mailed. 

I am writing to ask if I have any recourse as they charge me to have their card, use their card, yet I am paying for a card service and a that they don't seem to be able to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was opened in XX/XX/XXXX with over {$100000.00}. After a year I decided to move this money to another account. I was not told that if I wanted to keep this account I would have to pay a {$25.00} fee monthly. I was told that as long as I had any accounts with the bank, such as checking, credit cards, etc. amounting {$10000.00} I would not be charged a fee. I do have this. 

In XX/XX/XXXX I noticed that I was being charged {$25.00} fee. I called ( XX/XX/XXXX ) and was told my XXXX XXXX that it was a mistake and a check would be sent to me within 5-7 days. I closed the account. That did not happen, called again XX/XX/XXXX, told the same, but still no refund. Called approximately three weeks later, told I would not be getting any refund, not would they make the account information available to me, even after I told them I needed it for Income Tax purposes. I request the {$25.00} as promised.

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