BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On XXXX XXXX XXXX, XXXX I made a Donation to XXXX to a party to build the wall XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA of {$80.00}, They took out an extra XXXX and XXXX returned the {$12.00} back into my account. Later they asked me did I want a RFUND of the XXXX dollars, I said yes. XXXX  returned the {$80.00} after I closed my SERVE  account. AMERICAN EXPRESS is refusing to give me my Money. I closed the SERVE ACCOUNT because AMERICAN EXPRESS went into my Account on XX/XX/XXXX and took out {$79.00} and {$98.00} for XXXX, and I asked them why they did that : I previously had paid XXXX {$39.00} for a one year service protection for my computer. I have all my receipts and emails from them. But for whatever reasons, somebody went back into my account and tried to recharge me, and I disputed the charges and closed the account because, I felt something not right. After I closed the SERVE ACCOUNT XXXX  returned my XXXX dollars back into my SERVE ACCOUNT. AMERICAN EXPRESS knows this and they DO NOT WANT TO GIVE ME MY MONEY. THEY are outright HOlDING MY MONEY, they said they were sending me a check in the mail. As of today : XX/XX/XXXX. I have yet to receive my {$80.00}. I had this account with this for over three years and never had a problem, and all of a sudden I had this problem, and they keep putting me on holds and hanging up on me ABout my Own Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2019 i filed a dispute request for funds to be deposited to my account prior to the end of investigation. Then at XXXX XXXX i recieved a text stating there may be problem with my card and to call XXXX XXXX   so i did at which time i was informed their risk department closed my account because i was high risk they would not tell me why i was high risk and but they informed me that i can never have an account with net spend or XXXX XXXX ever again because they classified me high risk i requested to talk to supervisor and requested my disputed funds and half my monthly fee because they closed my account right after getting charges and any other funds returned to me and was told they could not do anything and that i would be contacted by corporater that same day but they would not provide me a number to corporate or risk management i received a letter saying my dispute was found in my favor and deposited into my account i have received no calls from corporate or any of my funds or a satifactory outcome from XXXX XXXX or net spend i also just ordered a card for my girlfriend on myx account and so she is high risk and can not open an account with them even though she has had account far longer than i

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 2019-03-07
Company: Bushwood Capital Group, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several calls from Bushwood Capital Group at my place of employment. They first called the office that I worked at 8 years ago and as I still work for the same company, they were provided my most recent work phone number. They have called multiple times with the most recent being XX/XX/19 at XXXX CST. They are claiming that I owe {$100.00} to the Colorado Department of Transportation. They told me if I give them my card number, they will stop calling. They told me that they will continue to call every 48 hours until it is taken care of. I ran a credit report today and show no record of what they claim I owe nor does it show the creditor that they claim that I owe. When I have tried to call the number back, it goes to a voicemail that says a name of XXXX XXXX? which is different than the person that is identifying himself as supposedly XXXX XXXX. 

As my credit report is clean, I find it hard to believe that 8 years later, this is the first I am hearing about a so called debt. This is why I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: AZ
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 do not believe that I should be liable for the amount that they are saying I owe them. The original amount {$2200.00} that was given to me when I declined the " chance to not upgrade my vehicle '' and the poor customer service I was given that day. I was provided documentation which states the amount that was given to me. They then reported an amount of {$4900.00} to the credit bureaus. I contacted the company and spoke to XXXX who indicated that I owed over $ XXXX. She then sent me the documentation indicating I did indeed owe over XXXX. With the lack of correct information that has been given to me over and over with this company proves inaccuracy. Again I am requesting for it to me removed from all three credit bureaus as they have proven inaccuracy numerous times and Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.

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: SYNCHRONY FINANCIAL
State: MI
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:
Opened a case with CFPB in XX/XX/2020. It was resolved on XX/XX/XXXX when synchrony bank- care credit- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in XXXX. We have tried disputing it with XXXX several times with no luck, using the letters provided to us by Care Credit on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. Thank you.

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 2023-08-16
Company: CITIBANK, N.A.
State: IL
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:
Case ID XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$370.00} Dispute Date : XX/XX/XXXX Dispute Amount : {$190.00} XXXX opened a disputed for {$190.00} on XX/XX/XXXX. Citi Bank resolved the dispute in my favor on XX/XX/XXXX but has failed to credit my account for the disputed amount of {$190.00}. 

It has been 357 days since the dispute was initiated. It has been XXXX billing cycles since the dispute was initiated. It has been XXXX billing cycles since the dispute was resolved. Citi Bank has still not credited my account the disputed amount. 

I emailed XXXX on XX/XX/XXXX asking them to credit my account. This was 9 days ago. Till this date they have failed to credit amount. 

I really hope CFPB and FTC investigates on Citi Bank for fraudulent activities. I highly doubt that the Bank is complaint with all consumer rights and regulations. This is not the first time they have shown fraudulent behavior and have intently defrauded me and stripped me of my rights.

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 2021-04-06
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:
Misreported balances on the XXXX XXXX XXXX account listing 2 accounts. Wont remove and wont help. keeop giving me the run around wont let me dispute. reporting wrong payment history i dont have two mortgages please remove or give me an address for my attorney to contact and email and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
On my computer my sibling downloaded a virus without my knowledge and ran the virus. I had my XXXX XXXX and my capital one carded added on the computer and my ID card also on my computer for verification for a job. Without my knowledge the credit cards were used for months on a company called XXXX I did my research on the company and sadly Im not the only one who has had their card stolen and has disputed against XXXX and not win or the bank wants to not remove it due to them loosing money. I never made any purchases with the company XXXX and want my money back. Ive had a account through them forever and never really had a problem with this until now. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX 2019, costant harassment by phone calls. My sons loan, now my credit score dropped over 100pts. Even after he started paying Sallie Mae. They are very aggressive on the phone with threats. A d they the followed they and have ruined my credit. It had dropped from XXXX. Now XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
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:
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. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove these accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2021-04-06
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by 100 points on XXXX, Experian, XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.

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 2019-03-06
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Why is it that I still owe whatever I had owe when you guys process the XXXX XXXX. EXAMPLE : : ; ; ; when SANTANDER reposesed the XXXX XXXX XXXX and after that in 5 days they where going to auction It Off and if it's so for XXXX or XXXX then I'll owe the remains witch would be XXXX ... Santander still and won't take it off my credit report they have it as write off I've been very patient and very crab rave and then even give me my daughters place card back are my other belongings so I had to go to the DMV and get her another placement card cuz they said it was going to be moved somewhere else within those FI 've days it's unfair that they did this me and they also says that I owe {$15000.00} on that car still when I have the paper where it says XXXX but I'm going to find it and I will upload it so that's why I think it's fair for them just to take it off because to report faulty claims on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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:
Since 2021 i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. CRA have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to CRA reporting inaccurate information & ignoring all of my attempts to notify them of such.

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 2019-03-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2019, I spoke with, XXXX, a representative with XXXX XXXX XXXX credit card. I informed him that some of their calls were not returned as they come up identified as a telemarketer and no one was leaving a message. He said he understood. He then went on to demand that a {$280.00} payment be made by XX/XX/2019. I told him that some agreement would need to be made as I send {$100.00} every two weeks and hat is all I can afford to send due to Federal Student Loan taking so much out of my pay every 2 weeks that I am left with nothing to spare. XXXX simply stated that, unless {$280.00} was there by XX/XX/2019, the fees were going to continue to be assessed and the required monthly amount due will increase. He would not waver from this blanket statement to discuss a payment arrangement. 
Though this number calls everyday, at least 3 or 4 times a day, XXXX was the first to leave a message. His message threatened to make a legal decision for me if I did not call back by XXXX and he identified himself as being with XXXX 's 20 %. I assumed it had to be the credit card and returned the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX/XXXX XXXX Visa credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, XXXX and Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2019-03-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX The short sale was started XXXX/XXXX/19 with SLS. On XX/XX/XXXX we were told the file was complete. 

We were just told today that underwriting somehow allowed some tasks to expire in XX/XX/XXXX, requiring the file to be re-underwritten. XXXX claims the file is currently still in review, but I told him that is absolutely unacceptable, as our sellers, buyers and ourselves have met every demand that SLS has issued to us in less than 48 hours. The buyer agreed to their counteroffer on XX/XX/XXXX, and we are nearly 30 days out from that. The fact that underwriting on the file had expired is through no fault of anyone but SLS, and I expect SLS to remedy it immediately. I also can not get confirmation from SLS that it was send to the investor, XXXX XXXX. 

I want SLS to be investigated for these continual and deceptive communications.

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