BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
While traveling two years ago a XXXX employee talked me and my wife into signing up for a XXXX credit card to earn fly miles. She told us we could cancel the card anytime. I made made a few major purchases to earn miles. I paid off the card to avoid interest, and the card has not been used since. I received a statement on XX/XX/2020, for {$95.00} for an annual fee, so did my wife.We had no idea what they had opened two accounts. We cancelled the cards immediately. They said we still had to pay the fee because we had to cancel the card by XX/XX/XXXX, We did not receive the statement until XX/XX/XXXX. How could we know?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
On XX/XX/2023, per the FCRA, I notified XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

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 2020-10-30
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 have been going back and forth with Amex in regards to 2 different charges on my account by lawn starter. I have provided tons of documentation and they still allow this company to get away with fraud and unlawful billing practices. XXXX has charged multiple transactions on our account even though the same day that automatic pay was set up, my husband called them to change the billing card information. They stated that they did so. I even provided an email where they said that they would investigate why the information wasn't changed. They were charging 2 cards at the same time even though the card that they should have had on file that my husband called in to change was supposedly changed. I legal action because I feel that this practice is illegal. The claim number with Amex is XXXX. Their calls should have been pulled as well. Maybe if I file a small claims case, your company will pull the calls. I have supplied tons of documentation and I need this decision reversed asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
There were fraudulent charges on this account, which I resolved with the bank. The account is reporting a late payment/ delinquent, which is incorrect information. I have always made my payments on time and this inaccurate information is NEGATIVELY affecting my credit score.

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 2020-09-17
Company: CORELOGIC 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: Old information reappears or never goes away

Complaint:
I had multiaple inquires submitted by a dealership when I only authorized them to run my credit once. This happened twice. The first set is XXXX   XXXX XXXX, XXXX, AND XXXX XXXX DEALER is dated for XX/XX/2019. XXXX XXXX XXXX and CREDCO IS DATED FOR XX/XX/2019. I did not approve for them to pull my credit this many times. There was a recent event where a mortgage company did the same, the inquires are from CREDCO dating XX/XX/XXXX, XXXX XXXX and XXXX. I would like to dispute these and have them removed from my credit 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 explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, XXXX XXXX, and Equifax, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, XXXX. On my credit report, I see a listing of SyncbXXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX, Account : XXXX, Date Opened, XX/XX/2013, High Credit, {$720.00}, Credit Limit , {$720.00}. I have no knowledge of this account. I request the account to be closed effective immediately.

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 2018-04-19
Company: HOME FINANCE OF AMERICA
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I reached out to XXXX XXXX NMLS # XXXX because I heard him on the radio to refinance my mortgage. I told them that since I had owned my house for two years and the market had grown so much, I wanted to refinance mortgage insurance off of my house since I was at a 80 % loan to value. There was no reason to refinance my loan into an FHA because that would mean that I would still pay mortgage insurance. I tried to meet with XXXX XXXX but he kept having his assistants meet with me, which I was fine with. We got my house appraised and it was appraised at {$160000.00}, credit score of XXXX and I only owed {$100000.00} .... so it was perfect to be put into a conventional loan with no mortgage insurance. When title came over to my house to have me sign documents I asked if this had the mortgage insurance off of it and he said that the mortgage company should have taken care of that for me. Instead they refinanced me into another FHA loan instead of a conventional loan and I am still paying mortgage insurance. The payment didn't even go down or up, it stayed the same. I feel they only did FHA because they made more money on the loan, based on what my other friends in the industry are telling me. I kept trying to call over to them after I noticed that the paperwork said FHA and not Conventional. They kept telling me that they would have XXXX reach out but he never called back. I tried to go down there and they kept blowing me off. I tried and tried, but to no avail ... .they just kept avoiding me.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: DC
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:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2023-08-16
Company: EQUIFAX, INC.
State: CO
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  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Over the last 3 years with the company it has repeatedly and on purpose halted trading and or transfers during specific time periods that correlate directly with peak sales and buy times. When this tactic fails they shut off their 2FA system to prevent movement of assets thru " security '' risk prevention and lie about their being someone working on it. This all can be proven with an outage report that they should be providing to their customers but are not and do not provide that information publicly. Its well known that Coinbase does this and all the customers it has have lost millions of dollars in trades. Today XX/XX/2021, I attempted to start the process of moving my assets off their horrible site to a more secure and profitable wallet app. Coinbase refused to send me my 2FA code that allows me to make transactions. I currently have nearly over XXXX of a XXXX dollars on the site that they are essentially denying me access to. Their support team is in XXXX and only does regurgitation of scripts from their own support website that provides no help at all what so ever. They don't even know their own company structure or what they are even involved in. The CEO himself has been made aware of this issue and has not issued statements nor done anything proactive to fix this huge issue but instead is trying to go public with is company. XXXX XXXX doesn't deserve nor should he legally be allowed to go public with Coinbase until he can provide a fundamentally stable application that doesn't steal from customers thru market manipulation. It needs to be legal for customers to sue them for loses today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: Lipsky & Associates, Inc
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I enrolled in the Equity Plus Biweekly Mortgage Payment Program. They were to automatically withdraw {$920.00} every two weeks and pay my mortgage to XXXX XXXX, the financial institution that holds my mortgage. On XX/XX/21 they withdrew {$920.00} and on XX/XX/21 another {$920.00} but never paid my mortgage. I am now one month behind and do not have the funds to get current. Attempts to reach the company are not successful. All telephone call attempts reach a voice mail that says " please call back during regular business hours '' and the line then disconnects, providing no ability to leave a message.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: EQUIFAX, INC.
State: MD
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 XXXX/XXXX/XXXX I submitted a dispute to Equifax in regards to two different charges/ from the same vendor during the same year period. I accept responsibility for one of the outstanding balances but not both due to the fact that this vendor will not allow you to have more then one account. This negative information has been removed from the other two major credit bureau 's but Equifax has refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My name is XXXX XXXX. I check my credit scores with XXXX XXXX. TransUnion is XXXX of the scores I check. When I go to View Changes, on XX/XX/2022 it says " XXXX XXXX account removed from your file '' - and for this I lost XXXX XXXX of credit. I don't know why it was removed and why I lost credit. If it should be there, I would like it reconnected to my file. 
Thanks, 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 2023-02-09
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 9th 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-01-21
Company: EQUIFAX, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: OR
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: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 explanation
Consumer complaint received 2020-11-24
Company: WEICHERT FINANCIAL SERVICES
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home in XXXX, VA and paid off my mortgage on XX/XX/2020 with Weichert Financial Services. At closing, I had an escrow balance of {$4300.00}. The Weichert website reflected on XX/XX/2020 they mailed my escrow balance. On XX/XX/2020, after not receiving the check I contact Weichert. They claim they sent the original check to my sold address, but it had a valid change of address in place and I had been receiving my other mail with no issues. I went ahead and updated the address for them to mail the new check. They told me they would issue a new check and it should go out by Friday, XX/XX/2020. After a month of not seeing the check, I called Weichert again on XX/XX/2020 and told them that I had not received the check. They again stated they would mail a check. I asked for a wire and they declined to do it. I asked for mail overnight or at least with a tracking number. They referred my call to a supervisor. The supervisor, XXXX, stated they could not guarantee a tracking number. She could only submit a request and it would take 20 business days for the check department to receive the request and then some time before it would be mailed out. I do not believe they ever mailed the 1st check and they admit they never mailed the 2nd check. With XXXX  and weekends, it will be another 30 days, before I could possibly receive the check. It has now been over two months since I closed and paid off my loan and Weichert has failed to return my escrow money to me and was less than helpful when I called. It takes forever to get a person on line and I spend 1 hour and 11 minutes on hold yesterday, before I got to a supervisor. I am not an expert, but I feel this is a violation of RESPA and should be investigated. I am wondering if this is a common pattern with Weichert with other people that would warrant a class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Synchrony Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-11-09
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2020-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I closed my JPMC ( Chase ) card account due to erroneous charges. 
In XXXX JPMC offered to settle the unpaid balance of approx $ XXXX at approx 31 % ( {$2000.00} ). 
In response to above offer, on XX/XX/XXXX I mailed Chase a settlement check for that {$2000.00}. The check was drawn from my own Chase checking account. Chase cashed it in XX/XX/XXXX. 
In XX/XX/XXXX XXXX  showed the account was still owing the balance of approx $ XXXX. When I disputed with XXXX  - furnished copy of Chase Check # 004 showing settlement check in the amount of {$2000.00} was cashed by Chase, Chase still 'Verified ' to XXXX  that the balance was 'still ' approx $ XXXX ; that the settlement payment of 2 years ago was just a payment towards the balance not a Settlement despite written all over it was Settlement. Thus XXXX  to this day continues to claim the above debt is 'verified ' as still UNPAID. I then closed my Chase Checking account, but still continue to hold a Savings account with them in order to keep open, transparent lines of communication since at least the past 5 year. 
In XX/XX/XXXX suddenly I started receiving collection letter for the remaining $ XXXX that was previously settled. When contacted by phone, Chase claims a third party named 'United XXXX settled the debt for 62 % thus my payment to Chase for 31 % in XXXX was only 'half ' of the total settlement amount and the 3rd party was to get the other 'half '. 
I've never heard such cockamamie practice/excuse before. As it stands, Chase has dug up old settled accounts in attempt to collect anew after its 5 years of silence on the matter.

Company response to consumer: Closed with non-monetary relief