BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: AMERICAN EXPRESS COMPANY
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
On the evening of XX/XX/, I was contacted by someone claiming to be from the American Express fraud department. The number on the caller ID matched the American Express phone number XXXX, which is why I thought the call was legitimate. The man claimed they had detected suspicious activity on my card and asked if I'd made any large purchases in XXXX XXXX. I was immediately very concerned. 
He had my card number and read to me the balances I had paid on the last three statements of my American Express Credit Card Account, which matched the information I had in front of me- another reason why I thought he was calling from the fraud department. 
He said his name was XXXX XXXX. He also provided his phone number should the line get disconnected. The number he gave was XXXX 
He then proceeded to suggest I implement additional fraud alerts. He asked for my mother 's maiden name and social security to confirm my information, which I gave. He asked me to press *-something to activate a fraud alert on my phone. He also said that he was setting up alerts on my email. 
Only when I received my card statement this month, I realized that I had been scammed. The fraudster made three separate charges at the XXXX XXXX XXXX XXXXXXXX XXXX, in XXXX XXXX, totaling {$29000.00}. ( I live in Maryland and have not traveled to XXXX in years. ) I contacted my credit card company, American Express, right away. Initially, they credited me for the unauthorized transactions and said they would immediately send me a new card, which they did. 
On XX/XX/, I received an update from American Express stating that I am responsible for giving my card information to the fraudster, which I did not, and responsible for the balance. The scammer ( s ) already had my card number. I noted that there was no verification from the card company authorizing the transactions. Apparently, the fraudster had verified it through my email ( I'm in the process of setting up a new email account ). 
I requested that American Express begin an investigation and file a chargeback as I did not receive the items they claimed I purchased. They said they would investigate further and recommended I contact the FTC and police. Today, XX/XX/XXXX  American Express closed the investigation and stated I must pay the total amount of {$29000.00}. I am writing to state that someone from American Express with my information was able to illegally make purchases in another country using my credit card information. I am in the process of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-27
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 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 2022-04-21
Company: Experian Information Solutions Inc.
State: NJ
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I am requesting that the following account be removed immediately from my credit report. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. 
Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as PACER, e-Oscar or 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 2022-11-22
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
I want to ask the CFPB to open an investigation so Credit Collection Services does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am going through a very stressful time with Credit Collection Services. I filed an arbitration case against this company, who is reporting the accounts involved in this matter. CCS has refused to arbitrate the matter thereby violating the contractual agreement that was in place with the original creditor ( XXXX ). 

The case I filed is based on several violations that CCS has committed : excessive phone calls, unfair and deceptive business practices, collecting on account with fraudulent charges account. I was called excessively by creditor and Ive kept on getting calls and letters despite me telling them to stop communicating. In addition the account incurred fraudulent charges and prior to that I tried to close account numerous times with the original creditor but to no avail. They also failed to forward me any notices to my forwarding address. 

Now the XXXX XXXX XXXX tells me that CCS is out of compliance with them and failed to comply with the XXXX  policies regarding consumer claims, which means that not only my contract with them, but the contract terms of each and every consumer that has been sold to Credit Collection Services will now be upheld.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: WELLS FARGO & COMPANY
State: FL
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:
Returned a gold ring on XX/XX/XXXX by XXXX  to XXXX XXXX XXXX total of XXXX and this company recieved my package but never issued a refund and never helped me with my issue. Called Wells Fargo and they opened a dispute after 2 months they closed my case and sided with the company. This is wrong and unethical. I provided Wells Fargo with the XXXX  tracking number of the returned package. I provided the proof that the company never issued my refund with the XXXX return tracking! I will be closing my account after 3 years of having Wells Fargo. I do not want to bank with a company that cares about profit from a company rather than my loyalty and doing the right thing!

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 2022-11-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been disputing items on my credit report without any response or update from the credit bureaus. My rights have been violated and I should be compensated for their neglect to do a timely investigation per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Citi DoubleCash credit card for which I requested a cash back check in the amount of {$620.00} in XX/XX/XXXX. When I didnt receive the check by mid XX/XX/XXXX, I called the Citi customer support line. After several calls over a two-month period, I was eventually told the check had been cashed and that a copy of it would be sent to me. Since I never received and/or cashed the check, a crime was committed. 

I eventually received a copy of the check from Citi and I reiterated to Citi that it wasn't my signature on the endorsement line. In XX/XX/XXXX, Citi asked me to provide additional information ( by filling out a fraud form ) and affirm that it wasn't my signature on the endorsement line. I did as requested. But in the ensuing months as I've attempted to resolve this issue, Citi has only responded to me with additional copies of the check and letters saying that the check was cashed. An example of the responses I've received since XXXX is provided by the XX/XX/XXXX letter that I've included with this complaint. 

No one at Citi has been willing to provide me with information to report this crime. I would like to file a police report with my local police department. Ive asked Citi, both over the telephone and in a letter, how I can get additional information about this transaction such as where the check was cashed, was it deposited into an account and whether any identification information was recorded when the person cashed the check. 

As I stated, in response to my written and telephonic inquiries, Citi simply responds with another copy of the check and another letter stating that the check has been cashed. The company seems unwilling to make me whole ( by remitting the amount of the check ) or to even provide me with any information about this crime.

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 monetary relief
Consumer complaint received 2023-06-27
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00}

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 non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-06-10
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TD/TARGET is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: United Resource Systems, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A few months ago I went to XXXX XXXX  because I have three XXXX XXXX  that were causing me issues. I did not have the adequate insurance, so the dentist was kind enough to offer one of the services for free, while I paid the remaining balance with a credit card. A few weeks after that, I received a bill from XXXX stating that I had a balance of about {$100.00}. I called XXXX, and told the young lady that they had sent me a bill accidentally because I did not owe anything. The young lady agreed and stated that she will ensure that the billing department fixes the issue. I received a second bill, and I called again. I was told that the issue was resolved and it was evident I had a {$0.00} balance. Today, on XX/XX/2021, I received a bill from XXXX XXXX XXXX stating that my XXXX account was sent to them and that I owe {$130.00}. The account # on the notice is XXXX. I contacted the collection agency and they told me that if I can obtain paperwork from XXXX, the debt would be removed. I have called XXXX and left voicemails. I have not been able to speak to anyone as of yet.

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 2022-03-12
Company: JPMORGAN CHASE & CO.
State: MO
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:
Hello, I have been a JP Morgan Chase Bank card holder for several years now and I have XXXX credit cards with them at this time. I have a Chase Freedom Unlimited # XXXX and a Chase Slate # XXXX. I do not carry balances from month to month so Chase has decided to put me on a blast mailing list where they send me promotional checks urging me to transfer balances or to make purchases with the promotional checks. I have called them 3 times now and asked them politely to stop mailing the promotional checks to me and the representative has reassured me each time that they will no longer send the checks to me, but they are still continuing to send me the checks for both accounts. I would estimate that I receive the promotional checks 2-3 times a month for both accounts which means I get 4-6 mailings from them per month with these promotional offers. I then submitted a message to them XX/XX/2022 from my online account asking them to stop and stated if they didn't stop, I would be filing a complaint and yet I received 2 more promotional offers in the mail today so it seems as if they think it's funny. I am concerned that with them sending so many of these to me that someone will get their hands on the checks and have a hay day at my expense and I also do not have any need for them so I just want the mailings to stop. Is there anything that can be done to get them to stop besides closing my accounts? I use the cards, but payoff the balances each month so I would prefer not to cancel the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: ID
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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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