BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
In regards to an XXXX benefit requested for two accounts the maximum APR interest rate has not been credited to either accounts. Personal card has been open for 54 months Business account has been open for 34 months. Both accounts were approved for XXXX relief and moved to a 0 % interest rate however the balances which include over {$12000.00} in interest over the past 5 years combined was only credited ~ {$450.00}. American Express conducted two balance transfers to the new interest rate of 0 % in effect claiming that these balances are now new balances not subject to interest rate reimbursement, although they were compiled over the past 5 years prior to entering XXXX XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: OH
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:
1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXX XXXX XXXX  {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} 6. XXXXXXXX XXXX XXXX  {$37000.00} 7. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} 8. XX/XX/XXXXXXXX XXXX XXXX XXXX {$940.00} 9. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NY
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Cardinal Financial has been trying to collect a debt not owed. My current mortgage was aquired by XXXX XXXX. on XX/XX/2023. This was confirmed by XXXX XXXX  on XXXX. 

I wrote an email to Cardinal Financial letting them know that I dont have an active account with them and to stop the collection calls ( which they never stopped ) XX/XX/2023 I received mail dated XX/XX/2023 that I owe mortgage payments for XXXX and XX/XX/2023, which again, I do not have an active account with them Also, I received mail stating they will share my personal information. ( which I do NOT give consent )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Chime Financial Inc
State: CO
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:
This is about a dispute i filed with chime dispute number XXXX on XX/XX/XXXX it was a XXXX XXXX order i never got and chime keeps denying the dispute even tho i sent proof and a police report they are not even investigating the claim they close the apeal within 24 hours this in unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: OH
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 account number XXXX I have paid this account off with a pay to delete letter. Sent letters to the credit bureaus which still nothing has not been done nor updated. A file is attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Affirm Holdings, Inc
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called AFFIRM pertaining to an item that I did not purchase. They ( AFFIRM ) in return asked me to contact the merchant and dispute the charges. So, I called the merchant and disputed the charges from XXXX. XXXX then sent me a confirmation that i was correct and needed AFFIRM to communicate with them in order to resolve and remove this purchase from my account. To date, AFFIRM has not removed this charge and is hindering me from obtaining any other needed loans and continually harassing me to pay an overdue debt that has been confirmed " not to be responsibility '' by the actual merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
American Express ' response to previous complaints is unsatifisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
You have my information incorrect, I cant log into aidvantage so that I can set up my automatic payments. When I enter my social and my birthday, name number etc you all have it incorrect so I am unable to log in my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX I've sent a letter to the 3 credit bureaus XXXX, XXXX, and Transunion explaining my concerns about my credit report. Asking them to verify some negative items on my report to make sure they are accurate and correct, as I am unaware of them. 
Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX In response from 2 credit bureaus, have done their investigation and told me everything is accurate and correct, but they did not review all account numbers, I requested or sent proof of their investigation. XXXX has not sent me anything back in the mail, concerning my letter. I have also requested the 3 credit bureaus if upon their investigation they find everything to be accurate and correct, they forward me a description of the procedure used to determine the accuracy and completeness of the items listed below within 15 days of their completion. As it is my right to do so by the Fair Credit Reporting Act. They have not done so. 

I will upload all documents concerning the letters I've sent as well as dates, receipts, and response letters from the credit bureaus. Upon their investigation, I've double-checked my credit reports and found the information is still reported as incorrect or inaccurate. 

I will also upload documents that show inaccurate and inconsistent dates of the information being reported on my account. 


By the Fair Credit Reporting Act XXXX, a few Account numbers listed below have violated my rights. 
# XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items and correct the negative information you reported in my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EdFinancial Services
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:
0n XX/XX/22 I submitted a refund from Edfinancial services and I can not get a clear answer as to when that balance will appear on my account. 

Per the Federal Student Aid forgiveness program, I am eligible to have monies forgiven since I paid off my account during the XXXX freeze. The first step is getting XXXX refunded to my Edfinancial account. Then I'm supposed to fill out some paperwork through the federal student aid website. That's fine but... 

No one at Edfinancial will give me a consistent date ( or even an approximate date ) as to when the amount will show up on my account. I've spoken to multiple representatives and no one will give me a straight answer. Some say two to three weeks, others several months, 150 days. It's all over the place. Also, there is no email confirmation or receipt provided to confirm a refund request. How do I know the refund request has been submitted?

I understand they have a heavy call load. Despite this, other student loan companies are processing refunds in 1 to 2 weeks. I don't want to miss my window to apply for forgiveness. This will have a huge impact on my family and finances. 150 days or several months is way too long and completely unreasonable. Turn around should only be a couple of weeks.

Where is my refund Edfinancial?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted the business via telephone on XX/XX/2023 to submit a billing dispute in a timely manner. I was provided case number XXXX. This is for a purchase dated XX/XX/2023 for {$1000.00}, the merchant is XXXX XXXX XXXX. Attached is proof of delivery from XXXX showing proof that the merchant received the merchandise. Per the merchant website and attached sales receipt, the merchant has a 30 day return policy.

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 2022-09-29
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:
On XX/XX/2022 two letters were sent out by me to XXXX and Transunion ( fraud victim assistance ) I let both companies know that my Identity has been compromised as the addresses, account information, names, employment, phone numbers, are wrong on both Trans union and XXXX and I also have absolutely no knowledge of the inquiries on my XXXX and Transunion. According to the law both companies have 4 days to respond once received. ( 15 USC 1681-2 ) A consumer reporting agency shall block the reporting of any information as a file of the consumer that the consumer identifies of information that resulted from an alleged identify theft ) ). As I sent these letters through certified mail I seen that both companies XXXX and XXXX did indeed receive my letters but did not respond within 4 days now it is 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 2023-02-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
State: NC
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:
XXXX I filed a dispute for {$77.00} regarding an Amazon return and the fact that Amazon put the amount of refund on an Amazon Gift Card instead of this Amazon XXXX Chase Credit Card. I was advised that the {$77.00} would be immediately credited to my account and that Amazon had 15 days to respond. 
The credit of {$77.00} was not placed on my account. On today, Wednesday, XXXX the representative stated to me that I was trying to get the gift card and credit. This is not true. I have repeatedly requested that Amazon transfer the {$77.00} from the Amazon gift card to Amazon XXXX Chase credit card. The supervisor was antagonistic and would not transfer my call.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: W&A Intermediate Co., LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding COMPLAINT ID XXXX, the issue remains unresolved as I have yet to receive any statement or evidence verifying the existence of the debt. The original letter I received stated that " XXXX XXXX XXXX XXXX  '' does not appear to exist. If Wakefield can not provide any company information or furnish a bill statement to substantiate the debt claim, I kindly request that all further calls and mailings cease, as they are causing unnecessary disturbance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On the XXXX of XXXX, I was told a replacement card would be given for funds being used without authorization in the amount of {$500.00}. It has been much longer than the 7-10 business days they said it would take, and I do not want to end up waiting up to six months like many others have had to do. Representatives did seem helpful at the time, but it is becoming clear that they either have no intention of correcting their mistake, or wasting time and causing emotional duress through redirection. I feel like I am being given the runaround and will be speaking to Incomm representatives soon. I think this company should have been investigated long ago and should have to pay for incurring damages beyond the scope of what the value of the cards were at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 

I have already disputed with each bureau, but they did not remove nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened a paypal business acount to fund my business in XXXX, i made XXXX purchases totaling XXXX $ paid that in payment, my account was and card was stolen i was locked out of paypal could not communicate until Port folio co sent me a letter and manyyyyyyy phone calls i requested itemized statements XXXX times only got final page of each statement spoke to them a year ago ask them to leave me me alone and quit reporting to credit bureau i just got a nother letter I have a formal report reporting the theft of my wallet the cops dont care.. but i reported it in XXXX  they want mw to pay XXXX $ im not responsible.My husband is XXXX i am XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine but is reflecting on my credit report. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$5900.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Experian any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2023-01-24
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This servicer actively makes it extremely difficult, if not impossible, to get to a customer service agent when calling their phone number XXXX. I was locked out of my online portal this morning ( XX/XX/XXXX ) when trying to retrieve my XXXX tax document for the XXXX tax year. I spent over XXXX minutes on the phone pressing various options to attempt to get to a customer service agent to try to fix the issue. None of the options were applicable to an online account issue so I kept repeatedly pushing XXXX and saying " agent '' and the phone tree kept responding that it was an invalid selection, then ultimately hung up on me. Even if an option were theoretically applicable to my situation, I am someone in their 30s who is fully fluent in English. I am not sure how seniors or people with more limited English skills are able to interact with this lender.

For a servicer to be this opposed to having borrowers actually speak to someone is appalling. I am unable to actually speak to someone because this lender thinks it's appropriate to hang up on someone when none of their options are applicable to their situation.

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