BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: AMERICAN EXPRESS COMPANY
State: GA
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 booked a hotel reservation through American Express for XXXX XXXX XXXX. Unfortunately a family member has fallen ill and wont be able to make it so I went through the Amex website to cancel it. I didn't realize when I booked the hotel, that it was non-refundable. 

However when I went through the website to cancel it, it stated I would receive a refund. Only after I submitted the cancellation was I shown I would not receive a refund ( I have screenshots confirming this ). When I went back through the booking confirmation email, it states that *this hotel is non-refundable and can not be cancelled* ( I have screenshots confirming this as well ).

So why was i able to cancel this in the first place? Why would i cancel a hotel reservation that i already paid for in exchange for nothing?

When i called Amex travel, the agents were polite, but none of them were consistent in their answer, one agent reinstated my hotel, but then another one cancelled it when submitting a case that was just refuted this morning. So now i do not know where i stand, and honestly, i am over talking about it with travel agents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX a letter was sent to the company to validate the debt of {$950.00} not verify, on XXXX the company failed to sent the proper docs, paperwork needed to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that numerous inaccurate names, account numbers, addresses, social security numbers and telephone numbers are listed without my consent or authorization on my credit reports. Attached is a letter stating the inaccuracies with a demand that they be corrected Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) and in accordance with 15 U.S. Code 1681c2 I demand that they Block all information resulting from identity theft, document attached.

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 2023-09-12
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I entered into a loan agreement with Affirm to purchase a couch from XXXXXXXX XXXX  ( Loan ID : XXXX XXXX XXXX ) for a total amount of {$2400.00}. My case number with Affirm is XXXX. 

Since XX/XX/XXXX, I have made XXXX on-time monthly payments to Affirm of {$130.00} for a total of {$1500.00}. 

As of XX/XX/XXXX, I was informed by XXXXXXXX XXXX via their " restructuring hotline '' ( XXXX ) and formally via email that my couch would not be shipped to me. XXXX XXXX went bankrupt and any order placed before XX/XX/XXXX would not be fulfilled. ( See Attachment XXXX. ) Affirm sent a mass email in XX/XX/XXXX that it was " monitoring known order fulfillment issues with XXXX XXXX '' but no other action was taken. ( See Attachment XXXX. ) Despite knowing about XXXX XXXX 's fulfillment issues, Affirm continued to collect an additional {$1100.00} from me, which I believe is predatory and in bad faith. 

My suspicions that Affirm is acting in bad faith to their consumers was confirmed based on my XXXX phone call interactions I have had with the company in the last several weeks. I first contacted Affirm on XX/XX/XXXX and spoke with XXXX. He informed me that in order to get my money back, I would need to file a dispute with Affirm. XXXX told me that process would begin with Affirm sending me an email asking for specific information about the loan. He said the email would be sent that day, on XX/XX/XXXX. It never was. I called back on XX/XX/XXXX and spoke with another customer care representative. He told me it takes XXXX - XXXX business days for the initial dispute email to be sent to the customer. I waited XXXX - XXXX business days and then called back on XX/XX/XXXX. I explained my previous XXXX phone calls to another customer care representative named XXXX, who then transferred me to the supervisor, XXXX. XXXX explained that actually I would have to send Affirm an email with any information that I think would " help my case ''. In the meantime I would still be responsible for any loan payments. And on top of all of this it will take Affirm XXXX business days to process this " dispute ''. All of the above back and forth between myself and Affirm employees is unprofessional, unstandardized, and clearly unregulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I did not make or authorize these transaction ( s ) that appear on my account. 

Noticed the transactions on my account, So as per Bank Of America I contacted the merchant to attempt to solve the issue and retrieve my money back into account after numerous attempts and being advised that the company was investigating my claim XXXX continue to debit money from my account, I contacted Bank Of America and explained to the representative what was going on she suggested a block from that company being able to debit account I continued to attempt to resolve issue with merchant after months and the issue not being resolved I contacted Bank Of America on XX/XX/2023 to put a claim in for monies debited again I only waited so long because I attempted to solve issue between myself and merchant, This is the first thing my bank ( Bank Of America ) advise the customer to do and now that I did that I am being denied my claim without the bank investigating because I did exactly as BOA advises. Also the information the company has does not match with any of my personal information per phone number, customer name, or email. This is why I am requesting an appeal on my claim and boa please do a investigation. As a loyal customer past years I would really appreciate my bank working with me to help resolve this matter..

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 2019-04-29
Company: EQUIFAX, 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:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing  is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Delete this account from my records because it is not mine, and I am genuinely upset to see it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: American Coradius International LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A deposit was made to XXXX thru XXXX. The wrong amount was attempted to be withdrawn threw my checking account that had insufficient funds to cover the amount. XXXX went ahead and paid draftkings the amount, even though it was a technical glitch on the draftkings site. XXXX then tried to charge the unauthorized amount of {$13000.00}. AN amount that was nowhere near what I had in my account and the charge shouldve never went thru. My checking account returned the money as it overdrew my checking account for insuffient funds. 

Draftkings blocked me on there site and I couldn't get the money return as they deleted my account. XXXX did not help me resolve this and sent the debt to collections when they should have never gave money that I didnt have to a gambling site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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:
THE NEGATIVE ITEM THAT IS BEING DISPUTED DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE NEGATIVE ITEM AND HAVE IT REMOVE OFF MY CREDIT. THIS ACCOUNT HAVE BEEN INACCURATELY PLACED ON MY CREDIT AND HAS HAMPERED MY CHANCES OF ACQUIRING NEW CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: LEXISNEXIS
State: AL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: NY
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 just requested my credit report and noticed the wrong information and fraudelant accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: NJ
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:
A XXXX CARD ( Chase ) appears on my report for more than 150-180 past due days and they are still reporting it to the credit reporting agencies and are trying to collect interest and late fees on this account. By legal right and by the Fair Credit Reporting Act this account needs to be charge-off or delete from my credit report " WELL TO KEEP GAINING INTEREST FEES AND LATE PAYMENTS FEE THIS COMPANY IS NOT REPORTING THE ACURATE DATES TO THE CREDIT REPORTING AGENCIES ''

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 2019-12-12
Company: MidAmerica Mortgage Inc
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was originally serviced by XXXX XXXX XXXX and recently was taken back by Mid America Mortgage. In early XXXX, I sent a check for {$500.00} to XXXX, not aware that Mid America had taken control of the loan, in which the check was returned to me, stating that it was not half of the full amt due. I was not made aware of any specific amt due at that time, when I sent the payment, and wasn't even aware that Mid America had taken control of the account. The letter was dated XX/XX/2019. After receiving the noticed, I then received another letter from XXXX XXXX stating that I was now in default with Mid America Mortgage, and to cure my account I needed to send {$1400.00} to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX, by XX/XX/2019. I also have another letter dated XX/XX/XXXX, " Notice of Servicing Transfer, '' stating that all payments after XX/XX/2019, must be sent to the XXXX, Tx address. On XX/XX/2019, a check for {$1400.00}, amount due to cure my mortgage was sent to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX. As of this date, the money still sits in my bank, and no attempts by Mid America Mtg to retrieve the funds to cure my mtg payments. I have made numerous attempts to contact Mid America Mtg and all I get is an ROBO voice placing me on hold and saying to hold on for the next representative. I have sat on hold for as much as 3 hours at a time, waiting for someone to speak with, and yet no live person answers. I have called the XXXX, the original and all they tell me is that the loan was transferred back to Mid America Mtg and that they have the same phone number for them, as I do. I have tried all the contact numbers I have found on the web for Mid America Mtg, and I get the same response, no live person only a robo answering. I am at a total dismay, for I am afraid that because of their not taking calls, that they will try and foreclose on my home, and then I will be become homeless, along with my XXXX mother, who relies on me for a place to live. I also researched the reviews against Mid American Mtg, and I am not the only person having issues. There are numerous reviews filed by unpleasant customers of theirs. I hope that you can help me, for I am doing everything possible to make my payments, and because Mid America isn't doing their jobs, they will possibly cause myself along with other homeowners to lose their homes. Also, when trying to create an online account with them, their site isn't working as well. I also have not ever received my new loan package from Mid America Mtg, so I don't even have my new loan number. Thank you 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Chime Financial Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I lost {$510.00} on XXXX because I was buying a XXXX that I originally bought on XXXX marketplace but they wanted to lower the value of shipping I paid so XXXX  wont let me get my money back I have not received the product from the merchant and chime denied my dispute I need this money that was a laptop that originally I bought for school that I cant even get and Im not giving up on my {$510.00} that I work hard for I I dont even get paid enough to meet living standards so I need help getting this money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: WV
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 my 5th request for my full file disclosure from Clarity and is a follow up to complaint number XXXX. 

Is Clarity FCRA compliant? They advertise they are! 

Their website states : " Claritys suite of FCRA-regulated reports ... '' Clarity states XX/XX/2021 they sent my disclosure. This is a complete and total fabrication of the truth. They did send a security freeze request, an incomplete Experian credit report and background data letter. 

All are attached. 

So this is my 5th request. It sure appears there is an issue? What are they hiding?? Does Clarity have a compliance problem? Does the FTC know they advertise as " FCRA regulated '' but won't send a simple full file disclosure???

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 2023-10-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual report from Equifax, this is my fist request ever, on the Annual Credit Report web site. Filled in all required personnel information as requested. Equifax then requested my email and mobile phone number, which I gave for them to send me a security text message. I responded with the 6 verification code. After a few moments my screen reloaded stating " just a moment '' but nothing happened, no text appeared, no report, nothing. I then returned to the " request a report '' screen reentered requested data following the steps that I previously did. A message for Equifax stated that I already received my annual report but I did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: TN
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-01-04
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My statement cycle ends on the XXXX of each month ; I had paid a payment to them on XX/XX/XXXX for {$XXXX} to cover minimum due for the XX/XX/XXXX due date. When my statement generated on XX/XX/XXXX it did reflect the payment that I had made and left a balance of {$XXXX} due on my account. I checked this again later in the month and that is the amount that was reflected on my online account {$XXXX} and I decided to pay this card off entirely as I have been doing with other cards, including XXXX separate cards from XXXX. I paid the {$XXXX} amount that was shown as my " current balance '' on XX/XX/XXXX when I logged into the website. The payment was deducted and I anticipated that this balance was satisfied entirely. Today, I log into the account to check and there is a balance shown that generated on my XX/XX/XXXX statement for interest totaling {$XXXX} and there are XXXX transactions showing XXXX separate interest charges ; XXXX for {$XXXX} and another showing {$XXXX}. I am not understanding how if I paid the entirety of the balance shown on the website on XX/XX/XXXX how there is any interest charged to my account. When the statement generated on XX/XX/XXXX my account balance should have been XXXX. As I mentioned, I have been paying off other cards ( including with this same company ) and none of them have done this. I reached out to the company and was only told that XXXX charge was interest due from when Barclay 's acquired my account from XXXX. That happened months ago and any/all balances should have been reflected on the website on XX/XX/XXXX when I paid the entirety of the balance of {$XXXX}. I do not feel I should owe the amount of the XX/XX/XXXX statement balance of {$XXXX} and I would like for the company to remove these charges.

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 2023-09-20
Company: EQUIFAX, INC.
State: TX
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 explanation