BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A refund was returned to my American Express gift card in the amount of {$130.00} shortly before the card expired. XXXX of XXXX was suppose to sent it via check in the mail. XXXX stated they have sent the refund on their part. I called American Express and spoke with a supervisor on XX/XX/2020 and I was promised a refund check of {$130.00} by XX/XX/2020. I called American Express on XX/XX/2020 because I did not receive the refund check. I was given the run around and I was told there was not check in the mail by the manager XXXX because the card was expired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22
Company: Experian Information Solutions Inc.
State: MA
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 Problem Goes back to a credit card with XXXX XXXX  dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card. 

XXXX has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim XXXX collection and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. XXXX loves to sell the insurance polices back in the day and if you really do some home work XXXX XXXX has really hurt many people financially with these insurance policy. XXXX sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, XXXX was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn XXXX and myself. The agreement would state that once received the money for the judgement frim XXXX XXXX XXXX XXXX XXXX. that all the trade Lines ( credit lines ( XXXX, XXXX, & experian ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against XXXX XXXX.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from XXXX XXXX   and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that XXXX. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with XXXX XXXX discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. XXXX XXXX just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your  correct keep moving forward.

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 2017-12-15
Company: CITIBANK, N.A.
State: NY
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:
Very simply. Was charged for a service I never received from a company. Had to file a CFPB complaint to get Citi to take me seriously in the first place. 

The claim to have double credited my account 2+ months ago. Now they are saying I have to pay an extra {$100.00} because they made a mistake. I should not have to pay, months after the issue was dead and done because they made a mistake. 

Please not that attached file, shows the debit is going back to XXXX who I should not be paying since they did not deliver when I ordered from them. I am livid

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 2020-07-10
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Credit report was marked for collections on XX/XX/XXXX ) for the amount which was already settled in year XXXX. 
I received a letter from collection agency stating i have 45 days to pay the pending charges the letter was produce on XXXX XX/XX/XXXX and the company reported the account for collections on XX/XX/XXXX. 
This is complete unfairness, Firstly, i did not received a advance letter that gives me heads up that my account will reported. 
Secondly, i was given 45days to pay and before the deadline was finish the account was reported for collections on my credit report. 

I fully understand that they companies wait till you apply for mortgage or some kind of loan and then they damaged the account. 

I have filed a dispute with XXXX  already and I need to know if you guys can help in this regards. Thanks You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Date of Late Payment : XX/XX/2022 Monthly Payment : {$20.00} I have attempted to resolve this on my own numerous times. Was told that they don't have to help me, I've been more than patient. This adverse action to my report is causing me great harm to my mental & physical health. This is a heavy weight upon my shoulders, and upon my review of my consumer rights. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


Account Name : XXXX XXXX XXXX Account # 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 and 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 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 2018-08-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
On XX/XX/18 an unauthorized charge was made to my account from a company called XXXX. After working with a representative at BMO Harris Bank to try and fix the issue, I received a letter in the mail claiming that I did in fact authorize the transaction and my claim was being closed. I tried to contact XXXX but was unable to speak with anyone about my issue. I am disputing this chain of events. The unauthorized charge from XXXX was for {$970.00}.

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 explanation
Consumer complaint received 2023-11-02
Company: TRANSWORLD SYSTEMS INC
State: PA
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 Transworld systems Inc, Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 conviction of crimes which in antedates the report by more than 7 years.

15 U.S.C 1681s2 ( A ) ( 5 ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. 

As you can see by law they have violated multiple 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 explanation
Consumer complaint received 2020-07-20
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am more than happy to pay and start paying IMMEDIATELY. Before doing so the balance needs to be adjusted to the correct amount so I can make the correct monthly payment and not some inflated amount. 

Paypal/Synchrony Bank is claiming I owe you {$760.00} minimum payment with a balance of {$3800.00}

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 explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Filed a dispute XXXX/XXXX/XXXX with credit Bureau TRANSUNION regarding 3 account listings by by creditor XXXX and or XXXX XXXX, which requested they remove all innacurate, false, and erroneous information from my Transunion credit file. XXXX XXXX and or XXXX XXXX was notified as well via notification sent XXXX/XXXX/XXXX at both credit file listed contact addresses to remove all inaccurate, false, and erroneous information from all my credit files Transunion, XXXX, and XXXX within 30 days in which creditor has failed to fully comply. Received results of the Transunion investigation XXXX/XXXX/XXXX in which some information was corrected but not all and some innacurate, erroneous, and false information still remains such as a false account verified thru investigation as accurate and updated, which is totally false, innacurate, and erroneous and this account is not mine. Innaccurate account dates and etc., that will be addressed further in complaint letter that wiil be submitted with this complaint. Evidence submitted to support Transunion complaint should have been sufficient enough to resolve and correct the disputed inaccurate, false, and erroneous information contained within my credit file and reported by creditor XXXX and or 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 2023-02-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX Card of a hard inquiry on credit report that I did not authorize. Hard inquiries were done on the following dates : XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has no personal information or no data of the inquiry. I requested a letter from XXXX Card to change my credit report but I was told that since there was no personal information in XXXX XXXX data base, they would not be able to help me. I was directed back to the reporting agency but they will no correct this fraud.

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 2020-07-10
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020. I checked my XXXX XXXX app. ( which I do every Friday of every week because thats when my credit updates ) Long and behold when I did I see that my XXXX  score dropped ( XXXX points to be exact ) So upset I looked to see what changed. Thats when I discovered that I had a collection from XXXX XXXX XXXX XXXX XXXX XXXX for XXXX that was placed on my credit from a Collection agency by the name of Receivables Performance. Now at this point I am livid!! Because one, not only do I believe this debt is in accurate. But I never recived any notification from this agency about this debt or even had the right to Dispute. They just placed it on my credit!! Without any prior notification. Which in my opinion is fraud and violation of the FCRA. This is absolutely not OK!!!!! Especially with a DEBT FROM XXXX XXXX XXXX XXXX XXXX!!!!! They are a fraud and try to collect unowed fees etc. Which is why I left them and reported them several times!!!!

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 2020-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One has refused to send a check to my residence address for the balance of my closed savings account. This is despite the fact that the Bank has had my correct residence address since I opened a credit card account in XX/XX/XXXX. In fact the Bank still sends me monthly credit card statements to my correct residence address, which has never changed. The Bank 's response to my first CFPB complaint ( XXXX ) was that they sent the check to a different mailing address, which was returned as invalid. I have never had a different mailing address. The Bank 's response to my second CFPB complaint ( XXXX ) was that I should reopen the account and have the money transferred to an external account. When I called customer service to do that, I was told it could not be done. I have also completed the Bank 's verification procedure multiple times by uploading my driver 's license, but never to the Bank 's satisfaction. The Bank is acting in bad faith when the simple solution is to send a check to the residence address they have had for over 9 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: SECURITY FINANCE CORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2023-02-07
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I completed an application for XXXX at XXXX apartment complex. Once they received my money, the stopped all communication. I called for several days and into the next week with no response on a decision in regards to my application. I called my bank due to believing it is fraud. XXXX XXXX XXXXXXXX then had someone call me stating they were from Hunter Warfield to collect debt. They man was extremely rude and was yelling over the phone. He then threatened and said I " better pay the debt '' or he would report to the credit bureau and " ding my credit ''. He also told me to let him know when I got a lawyer. I tried calling the complex again last week with no response. It is like they are screening my calls. They had great communication until they received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I purchased my first home at XXXX  XXXX XXXX, XXXX, NJ using a mortgage loan wherein the latter designated XXXX XXXX as the lender with a principal balance of approximately $ XXXX upon me putting down approximately $ XXXX. In or around XXXX XXXX, I discovered that : ( 1 ) the foregoing transaction was discharged by XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX without my knowledge or consent upon someone creating a refinance through XXXX XXXX XXXX dba XXXX XXXX dated XX/XX/XXXX without my knowledge and or consent ; ( 2 ) XXXX  continued taking monthly payments for me for XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) JPMorgan Chase Bank National Association ( " Chase '' ) continued taking payments from me from XX/XX/XXXX through XX/XX/XXXX towards what I believed was my original purchase, not knowing said payments were going towards the forged refinance. 

Furthermore, I have not received proper credit for all of the payments that I made for the months XX/XX/XXXX through XX/XX/XXXX. 

Today Chase by and through XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX  '' ) are foreclosing on my home in the Superior Court of New Jersey under Docket No. : XXXX since the year XXXX to present date, using a forged refinance mortgage loan recorded in the year XXXX ( See Exhibit A ) for which an expert handwriting expert confirmed by way of report dated XX/XX/XXXX that someone other than me authored and forged my name on mortgage loan documents as displayed within Exhibit " B '' annexed hereto. 

Furthermore, Chase by and through XXXX commenced foreclosure in XXXX XXXX annexed hereto as Exhibit " C '', and the assignment instrument asserting a transfer of the forged mortgage loan is dated in XX/XX/XXXX and displays an email communication between Chase and XXXX conspiring to create the document ( See Exhibit D ). 

I believe that the foregoing events are, in part, connected to the criminal acts by XXXX XXXX through its executives, the latter of which were sentenced to federal prison as displayed herein as Exhibit E

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX rep at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!

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