BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: AMERICAN EXPRESS COMPANY
State: VA
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 need help resolving my issues with American Express. My last follow-up to American Express on this matter was on XX/XX/XXXX/XXXX ( EDT ) -contact with several American Express customer service representatives regarding an unauthorized transaction and a letter stating the proverbial " ..be responsible for '' to my credit card-again- on XXXX XXXX, XXXX in the amount of {$730.00}, '' which has taken an inordinate effort on my part, at least 10 times in writing and via phone calls since XXXX XXXX. Through XXXX, I made reservations for the XXXX XXXX. Since this has unfolded as an unnecessary series of frustrating events, it was unbeknownst to us, that the transaction was not processed by XXXX, but sent to a THIRD PARTY, XXXX. A family emergency necessitated cancellation of our reservations, which we did directly with the XXXX XXXX well in advance of the planned stay. Nonetheless, the next AmEx billing statement included the FULL charge of {$730.00}, which we both have we now have disputed multiple times as my husband IS AN AUTHORIZED USER and through multiple platforms since the charge hit my bill. Im very concerned about the toll this is taking on me and my MANY attempts to rectify these issues with all three parties through email and endless hours on the phone over the course of almost seven monthsseemingly to no avail. At no time did I/we conduct business with XXXX. XXXX  recitation of their contract is invalid ; it is not a contract to which we were a signatory. The XXXX has been steadfast in supporting a full refund of {$730.00}, waiving any cancellation fee, and MOST IMPORTANTLY, the XXXX never charged XXXX virtual card. XXXX is prospectively attempting to be unjustly enriched, without having provided a product/service/merchandise. Regardless of XXXX ( undisclosed to us at the time of the XXXX booking ) policy, it is incomprehensible that XXXX would get to retain the full amount. We were not a party to XXXXs engagement with XXXX, therefore can not be bound by what is effectively described as a contract. Finally, nothing XXXX did in the performance of their work warrants retaining the full {$730.00}. They have not demonstrated any costs incurred no cancellation fee charged by the merchant ( XXXX ), no reduction of abilities to secure rooms in the future at the XXXX short, no actual or unrealized costs. Below is the official position of the merchant-the XXXX XXXXreiterating their advocacy of my reasonable requests and pleas, along with documentation the XXXX directly contacted XXXX on several occasions and conveyed the same set of facts and proofs. Thanks in advance for a positive result in this investigation. XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company for years to report that this is fraudulent, attempted disputing, sent letters, emails and they are now sueing me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: MA
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: Old information reappears or never goes away

Complaint:
Ever since Experian added incorrect name and address and employers on my credit report per Score sense. Upon farther research this names and address and employers does not belong to me at this moment in time. I have only 1 address and 1 name I do not have any aliases, and only one Employer what these Credit Reporting Agencies are doing is criminal in itself. Because by receptively and despitefully continuing to criminally behave like this what this Credit Bureaus are criminally putting my reputation on the line, even after multiple attempts on my part to contact them for them please update my name as it clearly shows on my Government issued Docs and for them to please remove and aliases because I never had any aliases and to please remove any old addresses of my credit reports. Since I have been a victim of identify theft in the past I am extremely afraid of falling victim of identity theft again lost the identify theft filings documents in a fire that completely ravaged our house years ago, because our family house had caught on fire so I lost all the documents that I had. Notwithstanding these Credit Reporting Agencies have completely ignored my multiple Request to them to please fix these major issues that are constantly showing my credit report profile on the contrary these agencies are frivolously subjecting my credit profile to fraud. According to the FCRA, ( Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove these names and addresses employer 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 2017-06-20
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I recently learned that XXXX has a special financing relationship with Santander Financing, which is the primary loan sponsor for XXXX, and I may have been given a loan by XXXX that was fraudulent and usurious. <P/>I bought a car from XXXX XXXX, XXXX, GA on XXXX. I was told that Santander was the only company that would finance the loan since I was coming out of bankruptcy. I was not shown the credit responses and believe that I was given a loan of 24.99 % over 6 years in order to support XXXX 's relationship with Santander. I was told that the payments of {$260.00} were over 5 years, but it turned out to be 72 months, 6 years, but I did n't notice the change in the paperwork. <P/>When I became unemployed in XX/XX/XXXX, I asked for a reduction. I was given a {$100.00} reduction for 6 months for only a {$600.00} reduction. Then the payments were stretched out until XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then  XX/XX/XXXX. I kept getting different payoff dates from CSRs, so I stopped making payments in XX/XX/XXXX. I recently settled for a final payment of {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from XXXX saying that I owed $ 200.00+ on a US Bank account from an over draft. I do not currently have a US bank account and have not since prior to 2006. I asked for more information on the debt, and asked for the number where I could reach out to US Bank to confirm the outstanding debt and make a payment directly with them. When I refused to pay over the phone, I was called and " ignorant XXXX XXXX, '' and was promptly hung up on. I called back to speak to a supervisor, and ended up in a voicemail box. I left my information to have a supervisor call me back so I could get more information on what was going on. After a couple of minutes, another number, this time, XXXX called me back. At first it seemed somewhat normal, we went through verifying my information, none of which, except the phone number and first and last name matched my identity. At this point, I was threatened with a warrant being filed on me ( or the other person bearing my name ) and that they " would see my XXXX in court. '' After this call I called US bank to confirm the information I got from them, as they had given me an account number. The account was not found at US bank, and I was told this was likely a scam.

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 2022-09-08
Company: ZuntaFi Corp
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent ZuntaFi an Affidavit of Truth, & invoice, via certified mail in XX/XX/2022, for a multitude of Federally protected Consumer Rights Violations under 15 USC 1692. The bad debt furnished on my Consumer reports is ruining my reputation and is defamation of character under Federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off 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 explanation
Consumer complaint received 2021-09-24
Company: Google Compare Credit Cards Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Almost every month my son-in-law sends me {$600.00} via Google Pay into my financial institution savings account. I received an email from Google Pay that my son-in-law has sent me {$600.00} to my Google account on XX/XX/2021. I received another email from Google that this amount was added to my Google Pay balance on XX/XX/2021. It usually takes a couple of days so I waited. I received another email from Google Pay that the {$600.00} was transferred to my banking institution on XX/XX/2021. I checked my financial institution the following week but it did not show up. This went on for a month and then I contacted Google via a " chat room '' as you can not speak to anyone directly over the telephone. After 77 emails between Google Pay and my banking institution, still no money. My bank blames Google and Google says they deposited the money into my checking account but can not tell me the checking account # other than it ends in XXXX. My bank says they do not have any accounts that end in XXXX. I asked why Google chose this one and only time to send it to checking when all other transactions were deposited into my savings? They just referred me back to my banking institution. My bank sent them a letter ( through me ) via email. Still nothing. I told Google I would be sending this to my attorney. My attorney is working on it but told me to make a complaint to CFPB as well. It is XXXX XXXX, 2021 and no money. My belief is fraud is involved where someone hacked into my google account and added a fraudulent checking account and diverted the funds that way. Just guessing and very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Radius Global keeps calling. I tell them to stop. I don't settle anything over a phone. They refuse to send correspondence. Proof of debt. They need to stop calling me period. Every day they are calling.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XXXX/XXXX/2020

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 2022-09-08
Company: EQUIFAX, INC.
State: NC
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 XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello my name is XXXX XXXX and i will like to make a complaint against the navy federal credit. My reason for making this complaint is due to the unethical conduct that has been engaged towards me by this institution. I applied for a personal savings, checking and as well as for my small business as well. 

The accounts was approved and was funded. After the approval of the membership application on both the personal side and business side. I decided to apply for a business checking line of credit and the application was approved after farther review and documentation review. 

Right after the approval of the business line of credit, navy federal decided to place a security on both accounts and will not allow me to have access to the accounts both online and over the phone.
This is frustrating because every-time that i call navy federal they refuse to give me information on my account status and also refuse to give me the money in which was deposited to fund both accounts.
I am writing the CFPB, because i have not had access to both my personal accounts with navy federal and business account with navy federal for almost 3 months now and they would not allow me to have access to the funds in which are currently deposited in both the personal account and the business account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022 I sent in a letter telling the bureaus that I've been a victim of identity theft bring it to their attention They did nothing in the matter of resolving my issue

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 2022-03-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Absolutely insane, my lease which is one month old, on Hyundai  recording says I owe 3 months, the website says my next payment is due on XX/XX/XXXX when it's actually due in XX/XX/XXXX. I've called dozens of times with no response.

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 2018-02-26
Company: CAVALRY INVESTMENTS, LLC
State: FL
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:
My name is XXXX XXXX. I have an account with XXXX XXXX. I received notification from them on XX/XX/2018 that there is a new collection account on my equifax report for which I have no knowledge. The Company is Cavalry Portfolio Services. I have not been contacted by any means and totally dispute the validity of this alleged unless and until I am provided with proof of the debit and the opportunity to verify or dispute I am requesting that this negative mark immediately be removed from my XXXX   Credit Report. I have not contacted Cavalry but have disputed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Karma says I was pre approved for offers and it wouldnt effect my credit score and it all was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Account Name XXXX XXXX XXXX XXXX  XXXX ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX. As of XX/XX/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 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX and XXXX phone calls were made to Capital One to close the account. At first they sent a statement of much is owed but did not send a letter stating the account was closed. After another phone call to Capital One they stated they can only send a fax and it could take up to 8 days to receive. I am in the middle of re financing my condo and I need the credit card to be closed. They refuse to help. Still today I have not received anything stating the account is closed. A fax should not take 8 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: NY
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:
why are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reporting late 60, 90 days late on XXXX and XXXX? Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX, XXXX, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. It is now over 60 days and I have yet to receive a response. I feel as if I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days so the items should be removed promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. This is totally unacceptable.

Company response to consumer: Closed with explanation