BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XXXX at XXXX and XXXX Pacific time XXXX I was on a two way conversation with XXXX XXXX executive officer mister XXXX ; to resolve my Consumer protection complaint/credit dispute regarding the incorrect information placed on my credit report. I asked mister XXXX where did the balance from because, Prior to moving the city government disbursed approximately four different payments to XXXX XXXX. 
Mister XXXX stated I have not paid the bill in approximately four years and that is why the balance is so high. I replied, that is untrue sir .... For the record, the incorrect balance reflecting is {$6000.00} The account number in question was XXXX and the service address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. To make a long story short ... .. 

Mr. XXXX stated on a recorded conversation ( which I have saved in my email ) that if I can prove one payment he will RIGHT the WRONG and remove it from my credit report. I begun digging deep into my archived paperwork, and was blessed to find a payment the government made of approximately {$400.00} dollar.. 
And a running balance sheet which also showed many payments. XXXX  XXXX  have been doctoring and fraudulently creating running balance statements and bills which have never been sent to us customers. Moreover, mr. XXXX reneged, and went against his word.

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 2021-05-05
Company: EQUIFAX, 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:
This is my second complaint against equifax. I have asked that this company take XXXX XXXX off of my credit report since they did not respond to my previous dispute. This is the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive tried 2 or 3 times to open an account with this bank in the past 2 years and was denied. I was completely confused when I closed the account on good terms. Never had an overdraft, this was at the time I found out of the data breach on my business Tax ID XXXX that cant be found and of course I was receiving child support from my daughter XXXX XXXX XXXX from her dad XXXX XXXX XXXX back in XXXX before closing it. Finding out me and my kids had been victims of crimes I couldnt afford an attorney to assist in fighting for our civil rights privacy rights etc. Not only have I been denied opening an account with this bank but I realized every since SSA sent me and my daughter social with just our first and last name ( XXXX ) my son keeping his middle name my drivers license issued on XX/XX/XXXX was replaced with a another drivers license with my face but the issued date is wrong using just my first and last name only not the drivers license with just first middle and last name. Im well aware that my IP has been intercepted foul business practices has been taken against me due to being framed before I realized me and my kids information was exposed illegally since before XXXX when I found out we were victims of ID theft. XXXX XXXX has my name spelled XXXX XXXX XXXX I am just XXXX the dectectice found reports under XXXX XXXX XXXX and Ive never been married.nor used my son father last name for anything. I noticed XXXX XXXX had reported my info used at XXXX XXXX  XXXX  XXXX XXXX, all medical debt is linked to this address XXXX   has my daughter and my son XXXX XXXX XXXX and my name linked to XXXX XXXX XXXX  just our first and last name as if XXXX XXXX XXXX  and XXXX XXXX XXXX are two separate people. I dont care what records shows Ive been framed for financial fraud with XXXX  XXXX XXXX Wells Fargo and possibly XXXX XXXX XXXX Ive been trying to get an opened account with. XXXX reporting to other creditors I dont have kids is false misleading and misrepresentation of my home and my household. I have had 2 kids since their birth. XXXX XXXX doesnt show the birth of my son any longer as if I never had him but its been there since XXXX. XXXX XXXX XXXX shows false records of time me being incarcerated as if they are covering up for someone running from the law someone impersonating me and my kids. Ive been denied rights to my kids records and Ive never EVER DONE NOTHING TO HARM OR CAUSE HARM TO MY KIDS PERIOD.

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 2021-12-06
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
SP * XXXX XXXX XXXX XXXX {$500.00} Ref. XXXX I purchased camera bags from them. It supposed to arrive within 2-3 days. It never did. They then sent me an email that they shipped something 2 weeks later or so. I was not waiting at home. Then eventually I got message from XXXX saying " delivered ''. Nothing was there. Then I got another email from company, again shipping. I thought ok, maybe they reshipping the same item. It then said again dropped on the street in the middle of the day.By the time I got back, nothing was here. Checked with neighbors, they said nothing was delivered to them either. The street here is lets say like XXXX XXXX, lots of people, lots of XXXX as well. Its main street of the neighborhood which has lots of stores. XXXX drops it off on the street if signature is not required.And you can ask them not to do it, they dont care. Then I contacted XXXX to check if they could provide any details, they said, its most likely " misdelivered ''. I contacted American Express, filled a non receipt claim. Claim was denied each time. After initial claim, i got email from XXXX from XXXX. I explained what happened. No more correspondence was received. However, Amex again denied my claim. About two weeks ago I spoke with supervisor. Explained the situation, supervisor said that he or she fully understood the situation and putting the noted. Spent 2 hours on chat. This morning I am getting email, saying claim was denied again! 

So basically with Amex right now, I have to pay for packages that are not received. Chat customer service promises to resolve. Then few weeks later case is denied. And game starts over. Is this normal with billing resolutions? 

I even had XXXX charge dispute with them. XXXX gave me bill of XXXX $ for 1lb item. Billed me XXXX XXXX ( Ref. XXXX ) Disputed maybe 5 times. Provided copies of receipts. Explained situation each time. Said to use common sense that 1lb doesnot cost XXXX. Told them how to go through their website and it still gives same XXXX bill.. Ok Ok... we willl resolve it for you! DENIED! 

Could you please look into their practice of claims investigation? It does not seem right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit 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:
Note : warning all US consumers about Capital One and their lack of customer service through an extremely stressful process : I made one purchase on one date with a restaurant in XXXX ( XXXX XXXX ) for four drinks, signed our credit card and then left for the night to go home. The charge was on XX/XX/XXXX for XXXX {$90.00} USD. 

When I returned home from our trip I noticed on my Capital One online statement that I had been double charged. When I called capital one the first time, they suggested I go straight to the merchant. I opened up a chat with them online where they confirmed the charge was only made once on their end and suggested I wait a few days to see if the charge was removed. A week later it was not. I then called Capital One and they reversed the charge ( temporarily, as a month later they re-charged me for the duplicate charge ). 

When I called Capital One about charging me again for the duplicate charge, I spent 45+ minutes on the phone ( the first individual I spoke with wasnt comprehending that there wasnt proof from the merchant for two charges, only proof for one ) and ended up being escalated and thus, having to supply additional documentation to get the credit reversed which Ive included in this complaint of the merchant confirming there was only one charge. However, after supplying proof that the merchant confirmed they had only charged me ONCE, Capital One deemed that inadequate as proof and kept the charge on my card. 

I have never experienced as poor customer service as I have with Capital One, and this isnt the first time there was something fraudulent that I have had to dispute and its always been much more difficult than it needs to be. I just want to warn others of Capital One and their reluctance to put the customer first. For me, it isnt about the charge anymore as I am fortunate in the sense that I can financially afford to eat this cost and be done with it, however many are not and this would be a large dollar amount coming out of their weekly earnings and make a large impact on their well-being. I will be closing my card after this payment posts and never returning to Capital One, as well as ensuring my husband does the same. XXXX  has a much better customer service line and much better rewards- good luck to all who bank and do business with Capital One. 

I will also add - I have been a customer of Capital One since 2009, and this is not something that comes up often for me. My credit score is excellent ranging at 780-800+ and I have always made payments on time. However, I am an XXXX  and watch my statements carefully which maybe Capital One doesnt like.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received notifications of bill from the hospital and they agreed to accept monthly payments. Then the hospital turned my account over to Professional Credit Management. I contacted them and they agreed I could make monthly payments. I was told I would not receive any billing statements or phone calls to attempt the debt owed. 
I tried to call the hospital and they had no information on the company to contact. So I patiently waited for some kind of contact or post from them. I didn't know who to pay much less where to send it. My account has a guarantor on it and at first the bill was in his name and then they put it in mine.I am covered by my parent 's insurance although I am of legal age. Initially they spoke with the guarantor, but then refused shortly there after. On or around XX/XX/XXXX and again on or around XX/XX/XXXX, and other multiple dates, attempts were made to contact them. I actually received a post in the mail of a facsimile copy of their bill marked in red " Collection '' .Even the envelope could be mistaken for " junk mail ''. Immediately I paid the account balance in full in XX/XX/XXXX. This collection marked my credit reports and I honestly believe, in good faith I was attempting to pay the debt. I understand collection agencies have policies and procedures they must follow, however my credit up to this point was impeccable. I simply ask the collection be removed from all of my credit reports. Thank You!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/2023 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX  {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: VA
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 privacy and confidentiality under 15 USC 1681. XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BARCLAYS BANK DELAWARE
State: WI
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:
Hello, I applied for a credit line increase on my Barclays Old Navy credit card on XX/XX/XXXX. On XX/XX/XXXX I was notified that Barclays pulled my credit report and did a hard inquiry with XXXX for the increase. The fact that Barclays would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for Barclays to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.

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 2023-10-26
Company: Checkr, Inc
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
My background check results were submitted to my employer with a consideration alert for a false criminal allegation of larceny that was dismissed without charge because it never happened. Why is this information being used against me and why was it flagged for consideration. My employment is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Apple/Goldman Sachs continues to freeze my account. Will not allow for withdrawals. And everyday makes me call and wait for over 1 hour. I have called XXXX  times, each time waiting for over 1 hour to get them to unfreeze it and resubmit to move my money out. They unfreeze it but then the next day it's frozen. I want my money back immediately. 

I have requested my {$100000.00} ( roughly ) back for the past week so I can pay off a line of credit which i'm paying 11 % on. They keep denying it. 

Nobody can provide me with a solution after the XXXX phone calls ( over 5 hours ). I text apple and they keep saying to call and wait again which does nothing. 

I have requested a call back from management every time and still haven't received an email or a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s2- ( 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