BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a credit card with American Express. I am going through hardship and need some help from American Express. I contacted them several times asking for help, and was told I didn't qualify for assistance. I then received a letter from American Express on XX/XX/2023 that my account was turned over to a collection agency, XXXX XXXX XXXX. They gave me their contact information, I wrote a letter to XXXX XXXX on XX/XX/XXXX asking for help and asked that they contact me via mail, not phone or email. 
On XX/XX/XXXX, I got a collection letter in the mail dated XX/XX/XXXX from a company called XXXX XXXX Firm stating they were representing American Express. I was very confused and assumed this was a scam. They gave me an email address so I wrote them an email on that same day ( XX/XX/XXXX ) explaining my concerns that American Express told me I was working with XXXX XXXX XXXX, not with them. I asked for clarification on who I was to work with on this matter. I never heard from them again, so, I assumed I was correct that it was fraudulent activity as they were never mentioned by American Express. Then, last night around XXXX, I answered my door and was served a summons that I was being sued for a debt I owe to American Express, filed in XXXX XXXX MN. 
I never got clarification on who was handling the account. American Express never XXXX time mentioned this law firm, and they never bothered to reply to my email. So I was waiting to hear back from XXXX XXXX. Now, I have a summons even though I clearly stated in my email that I was confused and needed clarification. How can this be legal? I was never told that my account was going to be sued. 
I have always paid my bills on time. I do not want to be in this situation, but I am. And I can't do anything about my financial situation at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Information belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}

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 2023-09-10
Company: Synovus Bank
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I want Synovus to immediately close my Synovus First Digital Credit Card Account and immediately my personal information from their records database. I want my Synovus First Digital Credit Card Account immediately closed. Additionally, I Synovus to send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the Synovus First Digital Credit Card Account from my credit report. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Cascade CISS Holdings, LLC
State: IL
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:
I checked my credit and there are multiple inquiries on there that I have no clue about I did not give consent to anyone or I did not authorize any of the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, my Apple Card account through XXXX  XXXX  was restricted and spending was blocked from my account. Over the last XXXX weeks I have talked to representatives from XXXX  XXXX  over XXXX times about what I needed to do to lift the restriction on my account. They will not put me in touch with someone who will resolve the issue on the spot. Instead, they say I have to wait until they review it and wait for one of their representatives to call me. Ive repeated this process several times but XXXX  XXXX  has not called me back or attempted to unrestricted my Apple Card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
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 FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX- {$13000.00} XXXX {$4400.00}

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 2022-07-11
Company: EQUIFAX, 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 FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX {$13000.00} XXXX  {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I NEED CHASE TO DO A CREDIT REVIEW ON ALL MY ACCOUNTS IN DATA BASE ON XXXX CREDIT REPORTING HISSTORIES AND VERIFICATION OF PRPOER CREDIT FINANCIAL PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2022, I was searching for a moving company to move me from XXXX XXXX XXXX XXXXa. After speaking to a number of companies I spoke with a man named XXXX XXXX from XXXX XXXX. He was wonderful! He quoted me a very good price and I gave him my credit card number. I should have known something was wrong because I couldnt do it on my XXXX but rather, I had to go to the library to use a computer. That night, when I had some time to think, I XXXX the name of the company XXXX XXXX XXXX XXXX on the email. XXXX XXXX name was all over the reviews. The word scam appeared a number of times. XXXX, I thought XXXX was my friend and had given me his cell number. I texted him. He never responded. I called capital one immediately and reported that I had been scammed and cancelled my credit card before they took the money. I was told the transaction was pending and that I would be OK and not to worry. All of this happened within XXXX hours. I was told that they credited my account the {$1600.00} and I was much relieved. I was told I needed to report fraud initially and then, I was told I needed to file a dispute. 
Dealing with capital one was a nightmare. I spoke to one XXXX  person after another in the dispute department. I spoke with a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX other people whose names I did not write down. I was told I couldnt go past them when I asked to speak to a supervisor because I was told I had to use their secure site which was a complete joke. After hours of frustration I finally met a man who allowed me to fax what documents I had to prove that this company had taken my money with my capital one card. 
On XX/XX/XXXX I received a letter stating that my dispute was denied because I hadnt responded to their requests which was XXXX XXXX XXXX  I have done everything that they told me to do and wasted hours of time and energy to say nothing of lost sleep over this matter. 
Please help me. I believe capital one is as fraudulent as the moving company who scammed me. This can not be happening in XXXX. I am XXXX XXXX XXXXXXXX, a XXXX   and on XXXX XXXX. I have no one to help me but you. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: PA
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:
Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name : XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Auto Lease Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only Equifax and XXXX, not XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name : XXXX XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Credit Card Reason : This account is reporting inaccurately to my credit reports. It only reports to Equifax and not XXXX  and XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name : XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people have been trying to contact me through email, calls, and emails constantly. They've sent scores of snail mail, and hundreds of emails saying things like, " Hello XXXX, There is some important information for you. New York law requires that consent be provided before additional information can be disclosed via email. Click the link below to provide your consent today. GIVE CONSENT WITH A CLICK. '' I've told them for the past year or two to stop contacting me, but they email me several times a week still. I'm tired of it.

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 2022-05-23
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX, as 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 instruction.

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 and any other adverse items 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 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 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2017-11-22
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid {$1200.00} on my credit card. it was not credited to the balance which did not change. as I enquired further, I learned wells fargo would still charge monthly interest on the {$1200.00} I paid for the full month. this is fraud. I discussed this with a banker at wells fargo on XXXX.17 as well as a person-by phone- from XXXX credit casrd

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 2022-05-23
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar bank mistakenly paid the real estate taxes on my property even though the loan agreement clearly states that I would pay the taxes and that there was no escrow requirement for taxes or any other expense. 
I paid the real estate taxes on time. 
Flagstar is increasing my payment to cover the taxes they paid in error. This is 100 % their error, yet they want me to reimburse them for the taxes they paid in error, and which I also paid to the tax collector. 
I have spoken with them 3 times and the first two times was told this would be resolved. Today they called me and said this is the resolution, that I reimburse them via a payment increase for the taxes they paid and have not received back from the tax collector. 
They at this point are unwilling to do anything different. 
My request has always been and still is that they take this off of my account and that they seek a refund from the tax department. The tax department shows an overpayment and they have said they will gladly refund the money to Flagstar upon their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: LA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them from my file immediately : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has two fraudulent accounts open in my name on my transunion XXXX XXXX XXXX credit card and XXXX credit card, I want these accounts removed from my transunion, j did not open these accounts I am a victim of identity theft, my information was used to open these accounts, both credit cards were open due to fraud, I have filed a ftc identity theft report, I want these account to be deleted and blocked,

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 2022-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$900.00} Status Closed. {$88.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3900.00} XXXX Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} written off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 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 response to consumer: Closed with explanation