BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I just accessed ChexSystems ( XXXX/XXXX/16 @ approx. XXXX ) to request my consumer report. Once I entered all my information, including Social Security Number and date of birth, I could not submit the request due to the fact that the system stated the verification code was incorrect. I repeated entering a different code 4 times. After the fourth time I got the message that an error had occurred. 
I experiencd this same problem a few days ago when I attempted to order my XXXX consumer report. 
I would like CFPB to investigate whether this is a tactic to limit consumers from getting their reports.

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 2018-06-25
Company: SYNCHRONY FINANCIAL
State: MN
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 had reported a theft with my former bank account and it was identified that 4 people had deposited 4 checks into a XXXX XXXX account ( totaling {$40000.00} ) that were written from my account. The Bank Account I had at the time was Synchrony Bank ; I steadfastly worked with them including affidavits of theft and XXXX Police reports were filled at the time last year. Recently, I learned I was denied for housing due to these reports within my consumers report which I was cleared of such last year. Now, almost a year later, I have a major issue obtaining housing. It seems that victimization of these checks still reside, when they are not to be listed, this false reporting was to be corrected when I submitted these reports last year.

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 2018-06-25
Company: GREAT LAKES
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX ; I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX debt and derogatory statements were added to my credit reports in early XXXX. I do not owe XXXX nor the XXXX XXXX   the money reported. It is the 80 % insurer 's copay that is on my credit report. I paid in full my 20 % copay to the XXXX XXXX  in XX/XX/XXXX and made them aware that my insurer had originally denied the claim but it was under appeal. I even provided the Plan Document sections to show that the procedure was covered. The XXXX XXXX  was in network and thus has a contract with my insurer and could have easily confirmed with the insurer that it was under appeal, but chose instead to send a collection agency after me for the insurer 's share. In XXXX, I even provided the XXXX XXXX  with documentation that the doctor ( who is part owner in the XXXX XXXX  ) had been paid and suggested they check with the doctor 's staff to see what they did differently to get paid by the insurer. I prevailed on my appeal and the XXXX XXXX  has been paid by the insurer and the insurer is sending a demand letter to the XXXX XXXX  to release me of all liabilities by them and their collection agency. 

I had promptly disputed that I owed more than I had already paid with the original provider AND the collection agency. I had requested the collection agency to provide evidence that I owed more than I already paid in XXXX ( {$450.00} ). They failed to do so, in violation of FDCPA and reported it to the Credit Bureaus in early XX/XX/XXXX. I disputed it with all three credit bureaus and all EXCEPT Experian promptly removed it from my credit report, since it was truly not my debt during the appeal process. I have now sent two additional letters to Experian since the original dispute was filed on XX/XX/XXXX. They have failed to remove the XXXX debt from my credit report. I have provided Experian evidence of my payment of my 20 % responsibility and the insurer 's payment for their 80 % responsibility ( which is the amount shown as my debt by XXXX even though it never was my debt ). 

I am also frustrated because I can not get a real person at any of the phone numbers for Experian ( I tried three different numbers ). I wanted to ask them what exactly I needed to provide to get it removed. Their failure to have a customer service line with real people rather than just recordings is clearly one of the factors that has contributed to them failing to remove this unverified debt in the 30 days as required by the Fair Credit Reporting Act ( and as was done by the other two credit 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 2021-01-05
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I scheduled a payment of the account balance in full, however, because the payment due date was Sunday XX/XX/XXXX and due to the XX/XX/XXXX holiday, the payment didn't post until XX/XX/XXXX. I called AMEX on XX/XX/XXXX and they refunded the late fee of {$29.00}. On XX/XX/XXXX, AMEX assessed interest and on XX/XX/XXXX two representatives relayed via phone that there is no way to refund interest on an account after AMEX assesses it ( even though the interest posted days after the payment posted ). AMEX also refused to allow me to redeem all of my points, without explanation. By way of background, this account offered a promotional 0 % APR. I paid the balance in full before that offer expired and have been making regular timely payments since, with the exception the XX/XX/XXXX payment because I literally was unable to set up a payment to post that date due to the holidays and the Sunday due date. The representative offered to refund a portion of the interest, but only if I agreed to keep the account open for 12 months. I declined and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a direct deposit form with an incorrect account number for my employer. On XX/XX/27 my first paycheck was deposited in this account for the amount of XXXX. Today was my last attempt to recover those funds with the bank manager of XXXX XXXX Chase Bank, XXXX XXXX, XXXX XXXX XXXX XXXX is the Manager phone number XXXX. She is taking the matter up with her executives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second complaint about XXXX XXXX to their own admission they are acting as debt collectors so my complaint is against a collection agency about their illegal collection activity. A bar will be filed when we pinpoint ethical violation of Bar Rules and that will be against the attorneys If you look at Exhibit # 1 This is a letter from XXXX XXXX informing how to dispute the alleged debt and they gave us till XX/XX/2022 to dispute, but they started Foreclosure before the 30-day period ended.

Exhibit # 2 Will show you we have seen them the dispute and sent copies to alleged servicer XXXX, alleged investor XXXX XXXX XXXX Exhibit # 3 Will show you the response from XXXX XXXX, in their response they show records from 14 years ago they failed to produce the NOTE that the XXXXXXXX XXXX  properly acquired. there was no proof that the current servicer who initiated the Foreclose has the right to service my loan. 

Exhibit # 4 Will show a few unsigned letters from XXXX acknowledging receiving our document, we have 13 days before the foreclosure no single piece of paper to show the proper transfer of DEED and TITLE which can establish the ownership of the right NOTE holder.

In conclusion I would like to state that this dispute has been going on for years now so far, we had 7 plus servicer changes, oddly CEO some of this servicer are serving time for Fraud. There are several court cases against XXXX and class action in New York for violation of TILA RESPA and charging consumers excessive various fees. Because this complain against XXXX XXXX I brought underlying issue with their client to show XXXX XXXX knowingly aiding them to commit fraud and wrongfully Foreclose our property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: JPMORGAN CHASE & CO.
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:
A damaged couch was delivered and returned to company. Chase will not take the charge off of my account although documentation was provided showing the couch was damaged and returned. Chase is charging me for a product I never received as advertised. In addition Chase gave a deadline of XX/XX/XXXX for documents to be sent. However closed the dispute prior to the XXXX stating it takes 3 days or more after documents are sent in to be reviewed. Chase is non- complaint with their own process. Holding the customer accountable for their delays in reviewing documentation sent. When I complained. Chase gave me a email to send proof ( XXXX and after 5 days ( sent in XX/XX/XXXX ) Chase still has not acknowledged receipt of files. Chase received no proof from the furniture company of their claim but sided with the furniture company for XXXX even though I have NO Product. Chase is allowing a XXXX company to scam me and make me pay for couch I dont even have. I cant sue the company i. the XXXX because they dont have a business here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I need to speak to a Human Being at Equifax & I am not able to due to their automated system & with a call back request I still am not able to speak to a human being. In regards to giving them Feedback via their website it is not possible. I need assistance with a Security freeze for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: AMERICAN EXPRESS COMPANY
State: CT
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 rewards from credit card

Complaint:
My Membership Rewards account has been frozen for more than 10 weeks and I 'm unable to transfer them into my registered XXXX XXXX frequent flyer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called Macy 's CS in XXXX to make sure my auto payments of $ XXXX/month would cover the amount owed within the time frame left on the no-interest Special Event balance and was assured that it would. 

On XXXX I was checking my bank checking account and noticed the auto pay had been reduced from $ XXXX/month to {$25.00}!! 

Made XXXX attempts to reach a representative at CS. No options were available to connect to an actual person, unless I just hung on and did not input my account number. ( I was later told there was something wrong with the system. ) The XXXX rep I spoke to after waiting over XXXX minutes, XXXX, did not know why it had been changed, but agreed to cancel the {$25.00} auto pay and adjust them so account would be paid off within time framed allowed for deferred interest. I was again put on hold. 

When she came back on the line, she said I had made the payment of {$25.00} at a Macy 's store. I HAD NOT and on my end it clearly stated that it was a web initiated payment. I asked to speak to a supervisor and was put on hold, again. 

When supervisor XXXX came on the line. she explained that the change in payment amount was because of a system upgrade linked somehow to XXXX XXXX and all auto payments scheduled were not carried over. I asked how Macy 's could change contractual arrangements it had with its customers and not advise them of the change?? She said I had made the auto pay arrangements through my bank, which I had not. I asked her how she was going to fix this and was put on hold again! After a lengthy wait, my call was DISCONNECTED. 

This entire unsatisfactory process took at least and XXXX minutes and NOTHING WAS RESOLVED. 

I question both the competence and legality of this behavior on Macy 's part and am therefore sending a copy of this letter to the Consumer Finance Agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: VW Credit
State: IL
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 had a car along with Volkswagen credit the car blew up if you see any news in XXXX theres a major issue with Volkswagen cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synerprise Consulting Services is reporting a charge-off medical account on my credit report that I have no knowledge of. I consider this a case of Identity theft as XXXX  breached my credit information and it only appeared after the breach. I have asked both Synerprise and XXXX   multiple times to provide me detail about this account such as doctor name, full account details, medical documents with my signature, and most importantly a HIPAA release statement required by law. They have not been able to provide any paper trail leading to me to prove their case. They have only tried to verify the account using E-Oscar which has a legal history of being unreliable in court as verifying the debt. I have a right under Fair Credit Reporting and Fair Debt Collecting law to have inaccurate, unverfied information removed from my credit report. Under the FCRA, XXXX  which breached my information to begin with, is required to provide me a method of verification within 15 days of my request and they have not done so. I need this account removed from my file immediately. Synerprise is violating my rights and damaging my credit, and XXXX  is commiting willful non-compliance by not removing the information that can not be properly verified by any means other than electronic file with no backup documents or signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX, transunion and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues

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 2022-10-11
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On or about XX/XX/2022 {$250.00} was direct deposited from my payroll account to a netspend account using debit card XXXX and XXXX. On or about XX/XX/2022 XXXX XXXX attempted to deduct {$140.00} from debit card XXXX for an annual renewal. Netspend declined the transaction and issued an alert via text message. I did not recognize the charge and the card was suspended. After brief investigation I realized my mistake and used XXXX ( same netspend account ) to authorize the transaction which was approved and the funds were deducted leaving approximately {$150.00} remaining in the account. I attempted to access the netspend account but was refused access with a message to contact customer support. I contacted customer support and was instructed to email or fax images of my social security card and drivers license before access to the account would be granted. I refused since I believe this information is extremely sensitive and the means for data transfer netspend was requiring is not secure. I told netspend to close my account and refund the remaining funds to the address on record. I was told this would occur. As of today XX/XX/2022 I have not received the funds and contacted netspend to inquire regarding status of the refund. I was informed that no refund would be issued until I submitted sensitive personal information via an insecure method. I believe this request from netspend is unreasonable, they can simply return the funds to the address of record from which the account was opened but are refusing to do so. Netspend has unlawfully converted my funds refusing me access to my money. I have demanded a refund and they have refused to do so. I believe this may be a scam or ploy to gain funds from unsuspecting consumers since netspend knows this is a small amount making legal action by victims unlikely.

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 2016-08-15
Company: Applied Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Security Collection Agency is trying to collect a debt of {$100.00} that has been paid. This was covered by insurance and I have confirmed with the original creditor no balance was owed. I have disputed this several times and they did delete this account from XXXX, but not from my XXXX credit report. This is a false claim and it is damaging my credit and I want it to be removed from ALL credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation