BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023, I ordered furniture from XXXX, my order glitched and somehow duplicated itself, making a double order for the one product. I reached out to XXXX via the app to request a cancellation on the faulty order. Instead of a cancellation, the order was shipped out to me, against my will, since I had previously tried to cancel the order, the next day on XX/XX/2023. The package arrived and I requested a return through the XXXX app. On the XXXX of XXXX. XXXX XXXXXXXX came to return the item, but it had no XXXX label. I was told that they couldnt ship the product back without a XXXX label. The product did in fact have the label present for the third party seller. I spoke with XXXX again, letting them know that there was a label for the third party seller and she satiated that they would come back out and pick it up. They came out on the XXXX of XXXX and got the unopened extra package. The lady from XXXX XXXX  sent me screen shots and information regarding the tracking and delivery of the package. It was an 86 lb, rustic brown dining room set item # XXXX The package was delivered to the third party, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ga XXXX on XX/XX/2023. I then called XXXX XXXX XXXX to clarify that the item was delivered. It was confirmed by an employee that the item had been delivered safely and that my refund would be posted to my card in 10 business days. She gave me the date of XX/XX/2023 as my refund date. Once that date arrived and there was no refund, I called and spoke to someone else, exact same thing happened, except this time I was told that my refund would be sent to my card in 24 hours, which never happened. After calling and being lied to and deceived for another week, I filed a dispute with my cardholder ( American Express Serve ) XX/XX/2023 whom claims to have done a dispute investigation, but in the favor of the merchant, who has their product and my money, which isnt right. So i asked to be sent a copy of the investigation documents that supported their decision and I have yet again not received any information. I am writing this complaint because this situation is causing me extreme mental anguish. I have been working with these companies to the best of my ability to get my money back and its like no one is taking this serious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Dept of Ed/ 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

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 2022-09-20
Company: Experian Information Solutions 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score dropped XXXX points overnight. I paid for my credit report but only saw genealogies nothing specific to indicate what was affecting my score by almost XXXX points. I called customer service but after collecting all my personal information was told they can't discuss my report over the phone just wanted to sell me credit reporting. I don't know what to dispute because I'm not sure what to dispute or what is affecting my credit based on what I can see.

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 2022-09-22
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$2300.00}

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 2022-12-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Both our online checking and savings accounts with Citibank were hacked into the night of XX/XX/XXXX. A fraudster posing as a Citibank XXXX first called our son, then got us on the line. Using XXXX, he managed to empty our checking and savings accounts first. 
Then a personal loan was immediately opened in my name, and that money was also sent out through XXXX. 

XX/XX/XXXX : the following transfers were made to XXXX : {$2400.00} {$2400.00} {$2400.00} XXXX : {$2500.00} {$2400.00} {$2500.00} {$2400.00} {$2400.00} {$1200.00} Also, on XX/XX/XXXX, they opened a personal loan thru Citibank under my name for just under {$7000.00}. 

Our entire savings account and checking accounts with Citi were emptied, and this personal loan was also spent. I spent countless hours calling Citibank on Saturday XXXX, trying to figure out what had happened. Finally on Wednesday, XX/XX/XXXX, again after being transferred from numerous Citibank departments, I was connected with Disputes. It was then we were informed that the " initial Citi XXXX XXXX '' had been the one perpetuating all of the fraud. Obviously I was sickened to hear that we were scammed this way. We are not wealthy people by any means. I then had to file dispute charges on every XXXX charge that had been put through, and was told it could take up to 45 days to have resolution on this case. Also no guarantee that these funds will be restored to us. 

I was also told that I had to contact the Citibank loan department separately to dispute the personal loan taken out in my name. That was more hours spent on the phone being bounced from department to department. Finally on Friday XX/XX/XXXX I spoke to someone in personal loans who said an identity theft package would be mailed to my home hopefully within a week. So in addition to losing all of our money, I am now being held to repay a loan of {$6800.00} that was granted in my name to these criminals. 

Citi did " provisionally '' reverse {$4900.00} of the above XXXX transactions to our account. But we have no idea what that means, and can't spend money that XXXX be taken away from us yet again. 

We are just beyond ourselves that nobody at Citibank or XXXX caught all of this suspicious activity going on. And of course I am very embarrassed that I was taken in by this scam, I thought that I was a much savvier consumer. These crooks were very sophisticated, calling from a XXXX number, sending " Citi '' security codes and texts " reversing '' the XXXX charges to our accounts, etc.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Tri-State Adjustments, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am on the NJ State Medicare QMB program where I do not have cost sharing of coinsurance, and deductibles. or co-payments from all/any healthcare providers. When I see a health care provider I give them my NJ state Medicare QMB letter which states the above and is a volitation with sanctions under four sections of the social security act to bill me or put me in collections under this Federal Medicare billing agreement. I also submit to them my Medicare card and Medicare XXXX XXXX XXXX 
I am being harassed by collection bills, and have been put into collections. and have also filed a complaint with Medicare.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX ] Account Number : [ XXXX Reason : [ account is closed need late payments remove I'm not responsible of this account info, can I get this off my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX 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 2023-03-26
Company: Experian Information Solutions Inc.
State: IN
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 do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. 

I request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditors and credit bureaus that would prove that my payment was not submitted on time. 

I sent each of the credit bureau/s the letter attached and certified on XX/XX/XXXX, certified made it to them on XX/XX/XXXX and they have yet to respond. 

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

Both the creditor and credit bureaus have failed to provide and verify these items for accuracy and unable to provide proof, as well as lacking proof of these payments being late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED Acct # XXXX ] Thank you

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 2023-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had an account with XXXX XXXX that went into charge off status in XXXX of XXXX. Due to XXXX nothing was moving accurately in the economy. The company offered me a settlement in XXXX but they were charging interest on a charged off account. I made 2 payments towards the {$600.00} but realized they were not updating my account. I submitted a complaint with CFPB but no action was taken. It is XXXX I have disputed the error with the credit bureaus and now XXXX is reporting the account as closed every few days. Every week I received communication that XXXX has reported my account closed as of XXXX. This account was charged off in XXXX and they are reporting the account as charged off every month with an incorrect amount as to what balance is That is not FCRA legal. I have disputed to company XXXX and credit bureaus of the inaccuracies. They are not properly investigating my disputes with this company. I have sent certified letters to be able to track my communications costing me money and the discrepancy if affecting my livelihood. How can the same account be closed this many times. This company is practicing illegal reporting practices. It has severely lowered my score because it looks as if I just closed an account and I have not the account has been charged off since 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 2022-09-20
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
Letters were sent to the respective Bureau requesting to validate the information that they have reporting on my consumer report on XX/XX/XXXX. A copy of that letter is provided. The bureau responded simply stating that at the items in question were certified as accurate by the furnished. As they did not provide me any documentation of how this information was verified and they did not provide any documentation on what they requested to verify. I sent the following letter on the following dates XX/XX/XXXX and XX/XX/XXXX and more letters following on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX a copy of this letter is attached. These letter letters show consistent negligence. I asked multiple times to provide me with documentation, I asked consistently to verify and provide these items on my report and to show me what was given to them to prove the validity of these items. This bureau reports a bankrupt public record that is verified I request that you the court 's proof and show me who verified this item. I have never received any documentation or proof this has been over a year of negligence and violation of my consumer right over and over.

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 2022-09-20
Company: Experian Information Solutions 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: 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 orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 2022-09-20
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase puppies online and then never received them. The payment was made through XXXX and Navy federal credit union and they refuse to refund my money because I got scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I tried to take {$1000.00} out of TD Bank 's ATM where I had an account. It was around XXXXXXXX XXXX because the bank had just closed. Only {$800.00} came out, and it was after a long wait. The bank tellers would not help me because the bank had just closed, so I waited over 40 mins on the phone to make a complaint. They took my info, but never contacted me to discuss, and just sent me a denial letter that said the reason they denied was " We have determine that an error did not occur and the claim is denied. '' This letter was sent on XXXX XXXX, 2023, which was just the first business day after my complaint. They did not send me any evidence that they reviewed, and therefore just stole my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26
Company: Affirm Holdings, Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit bureaus will start adding XXXX, XXXX and XXXX and affirm. They all allow shoppers to buy now and pay later. These such purchases are not being reported to my credit reports but one. I did the loans with the purpose to give lenders a fuller vision of my financial commitments.This is an easy way for people like me to establish positive credit so that I can start getting my scores up and acquire better and more useful lines of credit. You have yet to report anything to my credit reporting companies other than one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In my previous comments I said Goldman Sachs didnt handle the account correctly and I couldnt get any help Im not even supposed to have a credit card in my possession and mishandled my Apple Card with Goldman Sachs I feel like I was mistreated and I just want an appology for how things went about Im wanting to know why they wouldnt help me with my bill and I wasnt too happy about that I have a major disability and have lots of issues Im working on hope to be in contact soon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
I contacted Experian Monday XX/XX/XXXX about an address on my report that I never lived at.I was told that they couldn't delete the address because a creditor said I had a delinquent account from that address.I asked how was my information verified and she told me the law says they don't have to verify information anymore and I should file a police report and contact the creditor.

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