BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
A pair of shoes were purchased from the merchant, " XXXX '' on XX/XX/2018 for the amount of {$720.00} using my American Express " Blue Cash Everyday '' credit card ending in XXXX. The shoes purchased from the merchant were falsely advertised as brand new when, in fact, they were used and extremely worn, defaced and damaged by another customer prior to purchase by me. When purchasing the shoes, the merchant did not allow the " packaging '' to be opened as they stated that the shoes were " brand new '' ( a complete lie ). After paying for the shoes at the store, the item was taken back home when the shoe packaging was opened and unwrapped. What was inside were damaged shoes that were nowhere near brand new. Upon discovering this, multiple ( 4 total ) attempts at returning the shoes back to the original store of purchase were made. In all 4 attempts, the store refused to accept any responsibility for the damaged shoes that were sold to me. Accordingly, as I could not resolve this issue with the store themselves, a dispute case was opened up with American Express to get the money back from this store/merchant. From the beginning, clear evidence was provided to the merchant in the form of photos taken and a written statement showing and describing the condition of the shoes. After a total of 3 dispute cases opened up with XXXX, they refused to assist in this matter any further and took the side of the merchant which essentially scammed me in this purchase. It is disappointing, but least surprising, to see XXXX side with a fraudulent store/merchant when it comes to cases like this. Nevertheless, I would like to have my {$720.00} refunded back to me from this purchase as this merchant knowingly and willingly defrauded me on this purchase by misstating the condition of the item. Not only is this is highly unethical, it is also illegal as the merchant deliberately and knowingly falsely advertised this item and refused to refund my money when caught. Due to the abundance of evidence given to XXXX regarding this illegal conduct by this merchant, a full refund of this charge is warranted and expected. Timestamps are also available on the photographs taken ( showing the horrendous condition of the shoes ) to further prove that these photos are legitimate and valid as they were taken shortly after purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Tried to cash a check drawn on Bank of America and they refused to cash it.

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 2022-07-16
Company: EQUIFAX, INC.
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:
In accordance with the fair credit reporting act XXXX  account numbers 1 to 26 has violated my rights. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX  7. XXXX XXXX 8. XXXX XXXX  9. XXXX XXXX  10. XXXX XXXX  11. XXXX XXXX  12. XXXX XXXX  13. XXXX XXXX  14. XXXX XXXX XXXX. XXXX XXXX  16. XXXX XXXX  17. XXXX XXXX  18. XXXX XXXX  19. XXXX XXXX  20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX  23. XXXX XXXX  24. XXXX XXXX  25. XXXX XXXX  26. XXXX XXXX  15 USC 1681 section 602 A, states that I have rights to privacy.

15 USC 1691 Section 604 A, state that a consumer reporting agency can not furnish a account with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I took out some partnership loans when I was first out of high school to help assist with tuition and book expenses for college. I have five partnership loans that were opened in XX/XX/XXXX and XX/XX/XXXX. I never did finish college, however, I have been paying on my student loans for over 10 years. I have never been late on payments. I have five partnership loans that are all 8.4 % interest and most of the payments have been going to interest. I did file bankruptcy in XX/XX/XXXX, which I knew it would not discharge the student loan debt, so I continued to pay these loans. It has been enough time that my bankruptcy should be close to if not already removed from my credit reports. I have tried three times now to consolidate these five loans into one, so I am not getting robbed on all the interest. I understand interest needs to be paid, but I have been seeing not very much movement in over 10 years and I am just tired of it. I can afford the payment, that is not the problem. I am juts tired of paying over {$300.00} a month and only paying {$75.00} in principal payments. Every time I call in and talk to them and tell them I have been paying then for more than 10 years, I have shown I will pay, but they still will not consolidate these loans into one. It is very frustrating!

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 my XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no XXXX XXXX XXXX XXXX of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} FIRST PREMIER BANK XXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX XXXX Balance : {$950.00}

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 2018-12-15
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I received a letter from Convergent Outsourcing offering me a settlement on a debt I do not recognize. On XX/XX/XXXX, I mailed them a debt validation letter which clearly stated " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. '' Despite this, the company has not responded to my validation request and they have continued to call me. 

On XX/XX/XXXX they called me again. I called them from a different number and refused to identify myself until they told me the name of the company which they did not want to do. They confirmed that it was Convergent. They are additionally using caller ID spoofing in order to appear to be calling from the same state that my phone number is from. 

They have called from the number XXXX at the following times. They never leave a voicemail. 
-XX/XX/18XXXX and XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX XXXXXX/XX/18 XXXX XXXX and XXXX XXXX They have also called from the following numbers at the indicated dates. All numbers are spoofed. 
-XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18XXXX XXXXXX/XX/18 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 2023-04-26
Company: Bread Financial Holdings, Inc.
State: MD
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:
Good day. I reported to Comenity Bank ( Bread Financial ) on Tuesday, XX/XX/2023, XXXX XXXX that I noticed a FRAUDULENT CHARGE in the amount of {$130.00} dated XX/XX/2023 on my Arhaus Account. I contacted Arhaus Customer Service and was provided with the attached Lifetime Sales Report, wherein I made no such transaction. I had not been in the store on shopping online because I was recovering from two XXXX The Arhaus representative was surprised that Comenity directed me to contact them about a fraudulent charge. 

I have been repeatedly sending Comenity message and they have provided the following response with no action. Response : " Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. See the back of your statement for more information. We appreciate your patience. '' Kindly assist and see the attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, I closed out my account with XXXX XXXX which I had an account with for many years using their internet service. However, at some point i decided to leave XXXX and asked for a final bill. The final bill came with cost stating I owed them {$110.00} dollars to close out the account. I disputed this amount based on my last bill prior to closing out this account with number XXXX. 

XXXX telephone number - XXXX After not receiving a new and final bill all this time at least over the last 18 months I finally get a debt collector sending me a final bill which only meant they decided without prior notice to send this to a debt collector. I received a letter in the mail from the collector called Southwest Credit located in XXXX, TX Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Creditor : XXXX Southwest Reference number - XXXX Offered Amount to close account {$77.00} Today, XX/XX/XXXX. I called and spoke with Southwest credit about attempting to undermine my credit and leave a negative impact on my credit report. I also contacted XXXX with the same thought process. 

It is my intention to not have this affect my credit negatively and I want both to close out this account. 

I want XXXX to contact the credit bureaus and clear up this matter with all 3 active credit reporting agencies. 

Upon receipt of my check for the full amount to resolve this debt. Within the time frame of no less than 15 days. Or the next reporting date. 

I want XXXX and Southwest Credit to send me validation that this matter is closed and my credit report has been cleared. Not just " stated paid '' I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: AR
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:
YOUR COMPLAINT To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have never 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed that on XXXX/XXXX/2016 when my credit updated for the week with XXXX a new collection account was added to my XXXX credit report. I do n't owe this account nor have I had a credit card with XXXX XXXX. I never got notice of this. This was added falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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: Public record information inaccurate

Complaint:
I would like to place a formal complaint against Experian for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX # XXXX. 
Experian said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Experian is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

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 2020-06-04
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving calls from a debt collector starting at XXXX XXXX. I answered the call multiple and there is no response from the caller. I called a variation of numbers throughout the day. The numbers are XXXX, XXXX, then XXXX. The representatives all refused to tell me who they are calling for and don't leave messages they just hang up. I have received a total of 8 calls since XXXX XXXX. I do not have an account in collections all of a sudden. The company is called Sequium and the amount owed is stated on a recording for {$2700.00}. When you choose to speak to a representative they refuse to tell you who they are looking for and disconnect the call. 
I called the number on their website and was met with the same challenge. How can they collect a debt from the right party if they refuse to tell you who they are calling for? This is my number and I do not have to disclose my identity to strangers requesting money. My husband passed away a little over a year ago and I need to know that this is not some scam because I pay my bills and this is annoying while I am working. Thank you in advance for your assistance. I am listing myself as the borrower, however, I have no idea what account they are referencing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 US SM BUS ADMIN ODA 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 explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-02
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Selene is using dual tracking. They have slowly led me into foreclosure and this happened after I had submitted my loan modification application.

I was barely 60 days late. They refused one payment. Then the next months refused a payment. Then 130 days late refused 3 payments then I began loan modification application they re dived XX/XX/XXXX and yet they keep dragging it out saying I need this or that and even after I give it to them, they continue to ask for the same things all the while Im in foreclosure with their letting the days continue to go by month after month now! Please help!!!

Company response to consumer: Closed with explanation