BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2015 I was in XXXX at a sales presentation in a neighborhood my wife and I did not feel safe. The salespeople were pressuring us heavily and we were uncomfortable and trying to find a way out of there safely. I decided to call American Express to see if we could cancel or dispute the charges if we signed the agreement and was assured this would be no problem. I was told just to contact American Express if we changed our mind. In fact American Express even approved a charge in excess of our limit. Needless to say we signed paperwork and got out of there as quick as we could. I called American Express when we got back to the hotel and explained our situation again. I was told it would be no problem and to follow up with a formal dispute when we returned to the United States. Wow what bad advice as if they would have told me how their dispute team works, I would have risked going back to the merchant and provided written notice of a cancellation request. 

What I found out after returning home is that American Express refuses to honor their promises to me. Since we provided written notice 6 days ( instead of 5 days per XXXX law ) to the merchant there is nothing they could do. They didnt care if we made the charges under duress, they didnt care if the American Express representatives mislead us. I was told they are just a middle man and if the merchant demands payment we are out of luck. I have disputed this charge multiple times with no resolution. Finally after a year I disputed the charges as fraud as I have never even received access to the timeshare in question. To my further disbelief, the merchant responded that there are no refunds and that 's the paperwork I signed and American Express accepted that answer even though no services have been offered or provided. 

So not only did American Express not honor their promise to protect me when I called immediately before and after the purchase. Now a year later they refuse to help me when I have never been delivered the services purchased. Their stance is they cant do anything. XXXX they earned foreign transaction charges and interest on and they ca n't do anything. The only reason I signed the agreement in the first place was I was assured I could reverse the charges and felt it was my safest way out of a dangerous situation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-03-23
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was left out of the 2022 CFPB & ( Mr. Cooper ) Nationstar Mortgage even though I had been complaining about their unfair addition of a {$170000.00} penalties fee to my mortgage after it was transferred from Aurora Loan Services when they went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/2021 I entered into the XXXX XXXX XXXX XXXX XXXX with the intentions of purchasing a new/used vehicle .Upon making the decision on which vehicle I wanted I sat down with a sells rep to speak about my options. I advised the sells rep that I would be using my own funding from my credit union. A few months later I received a copy of my credit reports at which time I contacted the dealership as well as all companies that I had inquires from via phone, mail, as well as speaking with the Finance manager at XXXX XXXX XXXX XXXX in person who would constantly advise me to call the other companies. Many of the companies have stated that they have never had any of my personal information on file. The companies as well as the credit bureaus who said to contact the dealership. I have strong belief that my credit information as been leaked. Since then I have had multiple credit inquires report on my credit. Although I have tried to solve these problems on my own and have followed every protocol these companies have shown me less that the minimal customer service. During this entire process I have felt very unvalued as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed several times about the derogatory marks on my reports which include XXXX  ( XXXX XXXX in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) XXXX  ( XXXX amount : {$670.00} ) and Experian (  XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed several times about the derogatory marks on my reports which include Transunion ( XXXX  XXXX  in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) XXXX  ( XXXX amount : {$670.00} ) and XXXX  ( XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.

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 2022-03-23
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:
In accordance with the Fair Credit Reporting act 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 2016-07-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from Transworld dated XXXX XXXX claiming I had not paid custom fees for a XXXX shipment. However, I had paid those fees to XXXX on XXXX XXXX with my credit card. After being contacted by phone by Transworld, I let the representative know that the payment had already been made. I was instructed to email her the proof of that payment ( credit card statement ), which I did as we were talking on the phone. I remained on the line until she confirmed that received the email. She told me that was sufficient. However, I received another collection notice dated XXXX XXXX. I do not have any outstanding debt towards XXXX therefore this behavior from Transworld is unjustified and I am feeling harassed, not to speak of the time it takes to deal with them every time I receive a notice to avoid any negative impact on my credit history. Thank you for your assistance in resolving this matter and ensuring that Transworld does not treat other consumers in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Impersonators contacted me claiming to be Capital One then got me to transfer money. I lost over {$2500.00}. 
Today I called XXXX to see about starting an account and was told I already had an active account. Someone used my SSN to create it. I got that cancelled and asked XXXX to flag it so they can not re-open it. 
My old gmail, old phone number and SSN are on the dark web, I am told. I changed to a new phone number yesterday and I am deleting my gmail account. 
The transfers to XXXX XXXX on my XXXX file are the fraudulent transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I have an XXXX XXXX XXXX Synchrony credit card. I have been paying it every month around the same time. Apparently, sometimes the payment would end up in the same billing cycle and synchrony would send me a late fee for paying a few days early. Telling me that I was late when I was not. Making me call to have address the issue and having the fee removed. This has happened multiple times and when I called each rep provides different dates to apply my payment so this would not happen. Last month I called and this issue was told to pay at the end of the month. So that was what I prepared my lself to do until I received a call today saying I owe XXXX or XXXX some dollars for missing payments and a late fee. I asked the rep why and they told me it is because I was late. The payment was applied to the last month. Hence, I needed to pay for last, this month, and the late fee. I explained that was not fair and I needed that month to pay other bills. Then, they removed one month payment and decided I needed to pay the late fee because technical I was late. I dont believe I should pay a late fee for being early and that late fees should be for those you are actually behind on their bill not ahead. No other credit card I have does this only this one. And they believe they are following the credit card act of 2010 because they are using the billing cycle that I am not falling into when they cash my check for my payment. That is what the account manager told me today.

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 2017-03-16
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was bought by XXXX. The new company Vanderbilt reported me as 30 days late on a payment. I asked Vanderbilt home mortgage to send me my payment history which they did and it shows I was never late and never missed a payment. They will not remove this derogatory finding from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 we issued a check from our bank ( Huntington Bank ) to XXXX XXXX Bank for payment of a credit card bill in the amount of {$3600.00}. 
On XX/XX/22 we received our next credit card bill from XXXX XXXX and noticed that the old balance was not showing as paid. Upon checking out Huntington account we saw that the check had cleared the bank. The check was endorsed by a different party, not closely resembling XXXX XXXX Bank ( copy attached ) and Huntington had paid the check with funds from our account. The bank obviously paid no attention to the endorsement. 
On XX/XX/22 we brought this issue to the attention of Huntington Bank in person at the local branch. We filled out a " Statement of Fraud '' as provided by the branch ( copy attached ).

It's now been over one week and we have not heard of any progress or status on this issue from Huntington Bank, despite several in person visits to the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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: Account status incorrect

Complaint:
I'm reporting Experian because I have reason to believe that my score is being targeted. I pay my reporting accounts on time and never late, I have one late payment reported from a fraudulent account that I tried to dispute but they refuse to delete it, which is from a credit card company XXXX XXXX Bank. The late payment is over six years old. There are no other delinquencies on my credit report but for some reason my score will randomly go down drastically, and Experian can't justify why. I called Experian to get an explanation of why and they could not find a reason and told me to contact XXXX. I work so hard to keep a good score I pay everything on time and they decreased my score by XXXX points with no explanation. This is the third time this has happened.

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 2020-10-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My vehicle was total loss in XXXX. My Insurance paid out the vehicle to the finance company but still had an amount owed which the gap insurance I purchased from them should have covered. The gap insurance did not want to cover the rest of the amount which was about {$800.00}. XXXX My GAP contract has been cancelled without my authorization ) I was advised in the contract it states that we're interest not covered by gap insurance which was not disclosed to me at the time of purchase or when I filed the claim. I reviewed my gap insurance contract and I do not see that statement on there. I have called the finance company multiple times and no one can give me an answer on a why it's not covering if it doesn't state it on the contract they tell me to call different phone numbers which refer me back to the same line and no one can give me answers. I have also sent out a message through my inbox on my account and no one has responded and that been over a month when it states they would get back to me within 2 days. They are damaging my credit Now by saying my payments are late and reporting that to the credit bureau meanwhile they can not answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On 2 separate occasions I have advised Navient of my claim of identity theft. My credit report reflects student loans of appx $ 70k which were opened by my ex-wife without my knowledge or consent. I first provided the information to Navient directly in XX/XX/XXXX - which included an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number. I advised Navient that XXXX County PD has an 8 month backlog to produce the actual copy of the police report. Navient closed the investigation but not before forwarding the fraud account to XXXX XXXX XXXX for litigation. On appx XX/XX/XXXX I contacted XXXX and advised that this was a claim of Identity Theft and per their request, forwarded an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number - and again advised that there is an 8 month backlog to produce the police report. XXXX advised that they would investigate. On XX/XX/XXXX I received a call from Navient which my wife returned on XX/XX/XXXX. During this conversation we were advised that Navient would again close my claim of Identity Theft because there is no police report. This is despite the SIGNED and NOTARIZED statement from the perpetrator indicating that she opened the account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BTH Management
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
The customer service number for HSBC personal credit cards is not reachable. I can not cancel the card if lost or stolen, nor can I reach any person to discuss my account. When I called the business line, the representative I spoke with tried reaching the personal credit card customer service number ( XXXX ) XXXX, and she informed me that she could not get through either. This is not the first time I have not been able to reach HSBC. Supposedly, their hours at XXXX - XXXX ET. There have been multiple instances I had been " transferred '' and hung-up on. Their phone system is absolutely deplorable. This is not how a company operating in the US should be conducting business. Please help, I have multiple issues I need to get resolved but am unable to reach anyone at HSBC who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland funding is not the original the original creditor and they are attempting to collect on debts that are WAY past the statue of limitations for the original debt. If this is not against the law it should be. I did not sign a contract with Midland or any of it affiliate to pay them, so why are they able to submit to the credit agency 's as the the original debt creditor. How are they able to submit this when the original debt is WELL past the statue of limitations for this kind of debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My information is wrong, social security to start

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 2018-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX pulling my credit XXXX XXXX XXXX XXXX and experian having isssue removing my fraud alert with all 3 's experian, XXXX, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines 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 2019-08-14
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went into XXXX XXXX today to check my credit report and noticed I had a debt from Debt Recovery Solutions for {$150.00} from my understanding this debt came from a pay day loan. I have never ever used a payday for money especially for a {$150.00} I have an husband and family members I could have gotten a {$150.00} from. I had this problem once before someone had use my information for cell phones and cable company. I am pretty my information was used but it wasn't me and this need to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.

Company response to consumer: Closed with explanation