BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I placed an order with my American Express card at XXXX in the amount of {$290.00}. After waiting for two weeks and not receiving my order, I reached out to the merchant and informed them that I hadn't received my order. They checked the tracking number and told me that the order had already been delivered. After conducting an investigation they concluded that the order had been delivered and they could no longer help me. 
I then reached out to my credit card issuer American Express and they told me they would conduct an investigation on my behalf. After reviewing the tracking number, they concluded that the merchant and delivered the order and rebilled me. I contacted American Express and they asked me to provide documentation that the order hadn't been delivered. I asked them what type of documentation I could provide for a lack of delivery and they couldn't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Equifax has cost me several hours, money ( to freeze my credit with multiple bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
XX/XX/XXXX our XXXX XXXX stopped working and my husband XXXX XXXX contacted XXXX XXXX to cancel the account. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX still charged me on my CapitalOne card. Each year I called CapitalOne to dispute the {$59.00} charge and requested I not be charged in the future ; however, CapitalOne refused to refund me. Attempts to get through to a live agent at XXXX XXXX were always unsuccessful. On XX/XX/XXXX my CapitalOne card was once again charged. Once again, I called CapitalOne and disputed the charge, but they said that XXXX XXXX confirmed I had an active subscription. After multiple calls, I was able to get through to XXXX XXXX and the agent confirmed that he could find no active subscription for any of my current or prior email accounts. When I asked if he could trace my credit card to an account, he admitted he had no way to do this. He suggested I dispute the charges with CapitalOne. When I told him I had tried but CapitalOne always said that XXXX claimed I had an active account - he suggested I ask for the details of the active XXXX account - as without that there would be no way for XXXX to cancel it. I called back CapitalOne and asked for the letter from XXXX or some documentation detailing the alleged XXXX XXXX account, but CapitalOne refused because it would violate my " privacy. '' Once again on XX/XX/XXXX, i received another charge on my CapitalOne statement. I disputed the charge by submitting a claim online and then called to give the background. The representative told me that she remove the automatic renewal of the subscription and that I should wait to hear back on the prior years ' charges. Today I received two letters from CapitalOne - one said that they were charging me again for the {$59.00} this year and the other said they were reinstating the automatic subscription to XXXX XXXX because XXXX says I have an active account. When I call XXXX XXXX they said I have no active account. I am stuck in an endless loop here between two giant corporations and no one is willing to give me the information I need to correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted and disputed the alleged obligations that Chase bank has stated I owed, which was delivered to them on XX/XX/XXXX of 2022. While my overnight delivery to them has yet to arrive to their billing dispute center due to USPS delivery disfunction and only arrived to their payment center, this does not disregard the dispute that was placed to Chase bank regarding my accounts. With my disputes, I sent a notarized affidavit of truth dated XX/XX/XXXX of 2022 along with a cover letter, exhibits, and a cease and desist with demands for remedy. 

I am submitting this complaint 8 days after my sent letters since Chase still indicates that I am late on a payment regarding an obligation that I do not owe, which is violating federal law of seeking payment during a billing dispute and using obscene language to have me make a payment with federal promissory notes. I am also submitting this complaint indicating that Chase bank is still communicating with me without regard to the demands that I have made for remedy or settlement or documentation evidence for their claims after placing in a cease and desist with conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: FL
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 have reached out to XXXX and XXXX XXXX, Experian several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..

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 2017-09-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I mailed in two payments on XX/XX/XXXX. One payment was {$500.00}, the other payment was {$3900.00}. I wanted to pay off one loan, and the remaining overpayment of {$1600.00} was supposed to go to the one remaining loan I have. This did not take place. I contacted customer service and they said they would reapply the payment by XXXX XXXX on XX/XX/XXXX. I contacted XXXX again Wednesday, and Thursday. I knew I had a payment due on the XX/XX/XXXX, so I paid it because they obviously do n't know how to reapply payments, refund, or otherwise handle money if it 's not earning them extra interest. Check recorded calls, I never cursed and was very polite with each rep. The rep was polite, but I guess they ca n't figure out how to fulfill a request over at Navient. 

I submitted a payment so I would not be late, and guess what, they marked me as late!!! I 've never had a late payment in my entire life!!!!!!!! The money was debited from my bank and yet, they say I 'm late. The only person who is late here is Navient. They are late to the party on so many levels. GET YOUR SYSTEM FIXED. 

Also, I requested a FULL AUDIT of my loans last time because the amortization schedule navient uses is flawed they have misapplied so many payments its causing so much extra interest to build up. XXXX XXXX included scanned copies of what I can generate on Navient.com ; again this is not what I requested. It 's wrong math. They need to put four loans in and recac how long I 've had the loan open and correct payment dates. Essentially they need to remove all the payments that they applied wrong, and recalculate the CORRECT amount of interest. I DO NOT ACCEPT A SCANNED COPY OF WRONG NUMBERS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debit from XXXX is showing as in collections on my credit report. 
Date Open is stating on XX/XX/XXXX, XXXX creditor -XXXX  for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. 
I have the orginal documentaion available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX IN Account # XXXX, XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX MI XXXX XXXX XXXX Account # XXXX, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2020-10-07
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my mortgage company is Amerihome mortgage, I was working with XXXX a counselor from XXXX XXXX XXXX, for Covic19, did not pay  since XXXX. I return to wor on XXXX asking them to give me permanent Modification, change the term of my loan so I can have repayment plan.we call many times we email they refuse, thanks to XXXX they provide a forbearance plan, will be finished at the end ofthis month. 
my account number XXXX. 
I called the Home Affordable Modification program HAMP XXXX XXXX still did not call me. 
thanks so much for your atention. 
Webside www.amerihome.loanadministration.com. 
email : XXXX phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
Recently heard Equifax has had a breach in confidential information of mine. I do not want to search on there site to find out if I am a victim, because I would give up my rights to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I wired {$4500.00} to coinbase to credit to an associates account. Coinbase rejected the deposit and said they returned my funds. Coinbase has been contacted about the missing funds but they have not returned the money nor have they been in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/2022, I received an alert that there was a hard inquiry pulled on my transunion credit report from SYNCB/PAYPAL. Per FCRA information can not be reported without my authorized consent. I never authorized this.

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 2022-01-18
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: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2017-06-19
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Starting in XXXX 2016, I began receiving emails from XXXX XXXX XXXX, stating they were collecting on behalf of XXXX XXXX XXXX, a debt of roughly {$600.00}. Communication was addressed to XXXX XXXX, which is not my correct name. This is also not my debt, account, or anything to do with me personally. When I responded, stating that this was not me, and there was some kind of mistake, the email rate went up to a level of at least one per day, with different names attached to each email so there was no way to block them. I get no personal response, only continued emails that become more frightening over time. Without the response, I 'm not sure if this was just a mistake of an incorrect email address being used, or if this is an attempt at identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: OH
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 XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX 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 an account without my written instructions

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 2017-09-09
Company: EQUIFAX, INC.
State: OR
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: Problem with product or service terms changing

Complaint:
Due to the Equifax breach, my information is now available for sale. I had to spend {$30.00} to place a freeze on all three companies, and now I will need to deal with the headache of lifting those when I need to do things like finding a new place to live. Not only is that a level of XXXX-salad I did n't want to have to deal with but the service Equifax is offering to protect us from their failure keeps us from being able to sue them if our information is sold and used. That 's absolutely deplorable and I hope the millions of complaints that are going to be coming through actually do something. Likely not, knowing how the government seems to work in favor of corporations and not the people just trying to live, but there we go. I did my part. I 'll be over here watching my credit reports like a hawk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After receiving numerous solicitations including a card for Exec. VP to get the Discover card I applied online on XX/XX/XXXX and asked me to provide all the information including copy of my driver 's license and social security card which I did. I did not apply to get more credit as I am only using 21 % of my available credit lines but they offered interest free balance transfer with no fees which attracted me to their offer. They refused because their letter stated " UNABLE TO VERIFY CREDIT REFERENCES/APPLICATION INFORMATION '' This is a total fabrication as I have verified that XXXX provided Discover with a hard copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I recently went and applied for a car at a XXXX dealership but when ever they ran my credit they hit me with a BUNCH of Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * US SM BUS ADMIN ODA * US SM BUS ADMIN ODA * XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, My car was deemed a total loss and my insurance totaled the car out and sent Hyundai Finance a check in the amount of {$22000.00} that they received and processed XX/XX/22. I checked my account XX/XX/22 to verify that it had been closed but it is reporting as a repossession and saying I owe XXXX, I called Hyundai XX/XX/22 to see what was going on they told me they didnt know and would request for the account to be closed and it will take 5 days, I allowed the days and called back on XX/XX/22 and was told there was no change and they were still unsure why it was reporting thats way. I expressed to them that this has ruined my credit that Ive worked super hard to rebuild and Ive been a good customer with them. They said it could take months for my credit to show it as a total loss. Since then Ive tried to get a new vehicle for me and my children and I have been denied everywhere with every bank due to Hyundai reporting my car as a repossession. This is causing a very huge strain on my life I am the sole provider for me children and I cant get us another vehicle due to this false information being reported. I have a letter from Hyundai stating that my insurance paid the car off and it is a total loss not a repo but even when I have presented this letter to banks or car dealers im still not able to get anything! Im really truly in a tough spot and needing assistance because I get the run around from Hyundai being transferred to different departments and told nothing. Please assist me in getting this information corrected so My family and I no longer have to suffer.

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