BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I made purchase of the XXXX XXXX XXXX solid gold watch for the amount of {$54000.00} from XXXXXXXX XXXX in florida with American express credit card. The watch was shipped next day under tracking XXXX. 

Upon receiving the watch on XX/XX/2022, I realized there is no warranty card along with the watch as seller states. I insisted return right away. Seller agreed with my return and provided XXXX label under tracking XXXX. 

On XX/XX/XXXX, I dropped off my return at XXXX store located in XXXX. And the watch was delivered back to seller on XX/XX/XXXX with XXXX confirmation. 

On XX/XX/XXXX, I contacted Seller and was told that they had not received the watch. I called XXXX with the confirmation sent to seller to verify. But seller insisted they never received the watch. 


After 3 weeks talking back and forth with seller, I opened a dispute with American Express with the reason- return but no refund provided. 


After first dispute opened, Amex stayed on seller 's favor as shipping weight did not match with the weight on the box. I argued with Amex that seller provided shipping label for 1 lbs. but provided return label for 2lbs. But my actual return is 6lbs because seller shipped my XXXX watch in an envelope. I was nicely putting return in a nice box with all bubble wrap to make sure no damage occurred during transit. Also, the first shipment they delivered to me was 6lbs. Then there is no reason why Amex stayed on seller 's favor. 

After my dispute was closed, I reopened dispute with Amex again but Seller claimed they received wrong item. 

At the beginning of dispute, seller was dispute by stating shipping weight did not match to get my return and money. Now they said they received wrong item with AmEx but did not provided any proof of wrong item. 

Amex closed my case again without explanation even though seller clearly seems fishy on my return. 

After few months back and forth with Amex dispute, I provided everything as proof to support dispute. At the end of dispute, Amex were telling me there is nothing they can do to help me. Because this was the fact that XXXX lost package which can be understood as third party revolved in this issue, they could not do anything. But once I contacted FedEx for claim and verification, they stated that I must be shipper to resolve this issue. 

The fact that XXXX lost package. But to open claim with XXXX, I have to be shipper. But Seller insisted they would not open claim with XXXX. Then Amex always states with Seller sides even though everything was clear to them. And Amex later claims that XXXX is the reason why I lost the dispute. Even they promised that They will help me to resolve this issue. Amex is clearly putting me on the edge of loss with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have inquiries on my credit report that are unauthorized and I have sent in documents to give evidence of inaccurate information. 

Inquiries are listed below : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Alpha Recovery Corp
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 at XXXX XXXX, I received a call from XXXX. I picked up and they asked if I was [ name removed ]. I asked who was calling. The caller said their name was XXXX. I asked what company she represented. She said she could not say until I verified my identity with a date of birth or SSN. I said I would not give out my personal information to an unknown caller. She said that she would give me what information she had if that helped. She then said my date of birth and the last four numbers of my SSN without me first saying I was who they were trying to reach. I then began recording the call, here is the transcript : Me : " Alright, I am now recording the call as well. Please tell me who you are. '' Caller : " Okay, that's fine, hun. So I just need to verify that information and then I can continue on. '' Me : " I am not giving out my personal information until I know who is calling. '' Caller : " Okay, again I can't say until I verify that I am speaking to the right party so I don't give out information to somebody that I shouldn't be giving it out to. So again I do have your date of birth if you could just verify if that was right or not. '' Me : " And what do you have? '' Caller : " I have [ removed ]. '' Me : " That is correct. '' Caller : " Okay, my name is XXXX [ removed ] and I am with Alpha Recovery Corp. This is an attempt to collect a debt by a debt collector, and any information obtained will be used for that purpose. This call may be monitored and recorded for quality assurance. By continuing this call you are providing your consent. This call is regarding our client which is XXXX XXXX, XXXX, for XXXX XXXX XXXX XXXX. They sent an account to our office for collections for [ amount removed ] and due to the delinquency of the account, we just want to know how you want to get this resolved. '' Me : " I'm not familiar with that company, please don't contact me again. '' Caller : " Okay, thank you. '' [ Call end. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: ERC
State: MI
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 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or missing disclosures

Complaint:
on cashapp you can barrow money depending on if you pay back and do direct deposits and I always pay them back after i barrow but I been trying to get in touch with cashapp to let them know my cashapp has been in use by someone else so I havent put the money on there yet cause someone else was using my card and today I paid them back and they didnt let me get my money back which was XXXX $ on cashapp and they didnt say if it was overdue or etc this was gone happen or that was gone happen they didnt say any of that at all so I want my money back and now they took it and not trying to give me my money back at l I did what I was suppose to do. Not to mention how the cashapp was already taking money off my account anyways for the repayment so they still getting over on me I dont appreciate this it says XXXX cause thats when I was suppose to have gave it back but cashapp contact support so bogus they dont get to you right away when you trying to let them know its stuff going on with your account and its under investigation. AGAIN it never said anything about overdue consequences so Im so confused on why I cant get my XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: ONLINE Information Services, Inc.
State: MI
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 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : Intent to file lawsuit, HIPAA Privacy Violation Please be advised I have requested validation { not verification } of an item reported to credit bureaus by TSC A/R solutions. I have received a response that clearly violates my rights according to HIPAA.

TSC A/R Solutions did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against TSC A/R solutions should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is fraudulently reporting on my consumer report without written consent ( signed contract ). XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report 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 2019-07-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving letters from XXXX XXXX XXXX and XXXX XXXX XXXX   regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.

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 2019-07-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving letters from Resurgent Capital Services and XXXX XXXX XXXX   regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Company sold my loan to another collection agency without knowledge of transfer of debt nor a contract with me the consumer.

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 2022-09-02
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for a Discover card mid XXXX, about XX/XX/XXXX. At that point in the application process they asked if I wanted to do a balance transfer and I did so I filled out the online form with my information. I received the card in the mail 2 weeks later. I logged in to their website to activate my card on XX/XX/XXXX. It was at this time, my account was at a XXXX balance and my other credit card was still showing the full balance. There was no indication of anything pending in my account. It was this point I determined that during the initial application process they must have only been asking what my purpose was for applying for the card. So while I created an account and activating my card, I went through the process of doing a balance on their website. During the balance transfer process it was stated that the maximum amount I could transfer was {$8100.00} and that would include the balance transfer fee. So I initiated a XXXX balance transfer from XXXX Bank XXXX Discover Bank. I logged into my XXXX account the yesterday and noticed I had a negative {$6500.00} balance. Just this morning I reached out to Discover to find out what the issue was. And now this morning I noticed in my account that the first balance transfer when I applied for the card on XX/XX/XXXX posted on XX/XX/XXXX and this was 100 % not listed in my account on XX/XX/XXXX or else I wouldn't have done the second balance transfer. Discover told me I need to talk to XXXX to request a refund and they will not and absolutely can not refund the second balance transfer fee. This is absolutely their fault and I should be refunded this money. They misled me and delayed the process to get 2 transfer fees. The fees were {$220.00} and {$230.00} respectively. The second balance transfer posted in 2 days but the first posted 15 days later? That makes no sense. Even if there was a delay in the first balance transfer process, they did not directly indicate this to the customer. They are telling me they absolutely can't refund a balance transfer fee even though this was their mistake. If they can't refund my balance transfer fee then they can certainly give me a credit for the same amount. I will not be a customer of Discover any longer, if they don't fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I can not get information on who owns my student loans. I have not paid on them since XXXX when I became ill and dropped out of school, and yet I still get notices from NelNet. Throughout the years I have had them deferred. I have been very ill and in XXXX came down with XXXX that I am still dealing with the after effects. 

My student loans should have stopped in XXXX. 

I do not know who owns them or how to get that information. 

I need to have the student loans removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 got a call that seemed like a scam. Caller asked for someone and I denied being that person because I am no longer married and had my name restored to my maiden name. In the final document it recorded as " Now Known As '' not " Also Known As '' so I told the caller the truth. But I thought it best to follow up and look at my credit rating. This hard inquiry cost me a point on my score and I request it be restored and the hard inquiry cleared. 
I called XXXX, finally got a human being on the phone. I relayed my problem and I was told to begin a complaint with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my chase XXXX credit card for years now and have always had a credit limit of XXXX $ and have always been perfectly fine with that as it controls my spending habits and i know when i reach my limit as it cancels the transaction. But starting this last statement cycle my credit was changed and increased without any notice. In going to pay off my card this month my balance is XXXX which is far above my credit limit of XXXX my previous balance for this card on XX/XX/19 was XXXX which was paid including interest. In speaking to a chase representative they said that credit limits can vary depending on them but increasing a credit limit without any notification or approval by me is unacceptable and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is against XXXX XXXX XXXX and Trans Union Credit bureau. Although I made payments on time by using XXXX  XXXX XXXX XXXX payment system, XXXX XXXX XXXX claim that they didn't receive payment on time due to post office delays because of covid-19. I called XXXX customer service and was advised that everything should be fine and they will make a note of it and that no reporting will be done if they receive the payment by XX/XX/XXXX, XXXX. They received the payment on XX/XX/2021. However, they reported to Credit bureau anyway and that reduced my credit score. I also made another payment on line as well to pay them twice. The XXXX XXXX XXXX XXXX also talked with XXXX XXXX but XXXX didn't correct the credit report. I am disappointed that XXXX will treat a loyal customer of 4 years so badly and unprofessionally. I also reported to Trans Union Credit Bureau but they have not corrected the 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 2022-09-02
Company: NEW CITY FUNDING CORP.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On or about XX/XX/2022 I received a letter from XXXX XXXX, XXXX XXXX XXXX, advising me of a car that I was supposedly co-signed for. For a whole month I tried calling them to get the information about this car, however still no one called me back. I then called and spoke with the receptionist who allowed me to speak to a lady by the name of XXXX XXXX. I explained to XXXX that I never co-signed for no one, she said that they had my signature. XXXX said that she was not the one who was handling the case and that she would have that person call me. As of today, XX/XX/2022 I have yet to hear from that person. However on XX/XX/2022 I received a copy of the contract in the mail, and as I said I did not sign anything, the signature is not mine. I then called the bank, New City Funding, who told me the same thing it is my signature. I told them that it is not my signature and they said it is a civil matter and I needed to take it up civil court. In the past I did buy 2 cars thru them and paid them both off I asked them to look at the signature on those two loans. I asked them to send me a copy of those contracts and I guarantee them the signature is not the same. The signature on this loan, # XXXX is absolutely positively not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to

me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : WELLS FARGO BANK Account Number : XXXX Date : XX/XX/2013 Amount : {$720.00}

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