BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Credit Karma, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I had numerous cards saying I was pre approved and I tried a few and it denied me and put hard inquiries on my credit report, everytime I tried getting some where with credit karma I was told there was nothing they could do. I applied quite a bit for cards that I had ALREADY BEEN PRE-APPROVED on and I was still denied. So they advertised false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
XXXX XXXX Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2019-12-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed accounts listed on my credit report with Equifax. I have sent certified letters for tracking purposes. I sent a letter in dispute of listed accounts of XXXX, XXXX XXXX XXXX, and XXXX XXXX. I had requested verifiable proof that I owe these debts to these companies ; I requested copies of the original consumer contract with my signature on these contracts showing that I owe these companies these debts. I have asked for first and last names of the end users at Equifax that have been working my file. I have provided sections of the FCRA proving I am entitled to all the information that I have requested. Equifax has failed to supply any of my requests. On XX/XX/XXXX, I sent a certified letter to Equifax ( XXXX ) and as of XX/XX/XXXX, they have not responded. I sent a follow up letter on XX/XX/XXXX XXXX XXXX ) stating they must remove all accounts that have been disputed due to a non response within 30 days of the dispute. Equifax still has not responded. I am demanding these derogatory accounts be removed immediately due to continuous, multiple violations. 

Who performed the independent investigation? How did they come to the conclusion that the debt is valid? Explain exact methods and how the " reasonable investigation '' was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
i went to get my car appraised and the guy ran my credit to al these creditiors after i respectfully asked him not to do such!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Account status incorrect

Complaint:
XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of 2022, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Account status incorrect

Complaint:
Account is too old to be on credit report. First date of delinquency is incorrect. Account was opened in XX/XX/2016 and no payment was ever made and it was sent to collections.

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 2023-04-01
Company: AMERICAN EXPRESS COMPANY
State: CT
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 am writting to complaint about unqualified interrest charges by AMerican express in the amount of {$180.00} on XX/XX/23. I made payment prior the due date but because of american express website issue, the payment didnt process. Soon as I realize the issue, I called American Express customer service and was promess of a reversible of the fee. So far, I haven't received any refund of the fee after reapeatidly calling many times. 

Sincerely, interest charges of {$180.00} on XX/XX/23 by American express

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: SC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2023-05-22
Company: WELLS FARGO & COMPANY
State: NY
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:
Hi, To summarize : 1. I required a NY State Inspection Emissions test 2. I paid a mechanic located at an XXXX that offered to conduct my test once certain criteria was met 3. The mechanic has since disappeared and could not finish my service.

4. Wells Fargo denied my claim despite a provided invoice and first time raising a dispute chargeback in my years of banking. 
Claim is decision is attached with email support.

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 2022-03-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 2 unauthorized charges happen on my account over night. Wells Fargo are saying they will fix it but I dont have the money back in my account. This is ubsurd. I dont even have my card in my possession.

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 2018-08-15
Company: JPMORGAN CHASE & CO.
State: CA
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 XXXX18 my wife noticed a charge for {$1500.00} on our Chase credit card for a purchase from XXXX & XXXX XXXX. We had not placed the order, so we called Chase to inform them and cancel our cards. The purchase had been made on XX/XX/XXXX but did not post in our online account until XX/XX/XXXX, when my wife caught it. 

We still had possession of both credit cards, so whoever stole the information got it digitally. They also had my name and billing address, etc. 

Later, when Chase called to tell us we were going to be held liable for the charges ( we had assumed they'd cancelled the order when we filed the claim ) I found the order confirmation and shipping information in a junk email account I no longer use. 

The reason I no longer used the account was that on XX/XX/XXXX, my inbox immediately filled with hundreds and hundreds of junk email subscription confirmations. My phone and computer wouldn't stop *ding*ing with incoming junk mail. So I jettisoned the account, assuming it was some sort of prank. Turns out they used it to cover up the XXXX XXXX XXXX Order information that was ALSO sent to the inbox at the same time. 

I filed a dispute with Chase, explaining this to them. 
They just called to tell me that " the merchant provided sufficient evidence that the charges were not fraudulent. '' Because someone had signed for the shipment with my name. ie, accusing me of trying to defraud THEM by making a fraudulent fraud claim. 

Nuts. Context : I'm XXXX XXXX XXXX with a XXXX XXXX  clearance. If I commit fraud, I can no longer have my job. WHY WOULD I RISK MY ENTIRE CAREER FOR A CAMERA? 

I just found the shipping information for the package : The camera was NOT EVEN SHIPPED TO MY HOUSE, but to a XXXX in a different neighborhood. Someone signed for the delivery using my name, but I haven't been able to see the " signature '' they used. 

Chase, during their " investigation '' ostensibly saw that the shipping address was changed AFTER the order was made, somehow, and the camera was delivered to a XXXX XXXX. 

Yet they are trying to hold me liable here. 

We filed the fraud claim the day the charge posted. 
The camera was not even delivered, by anyone 's account, TO ME. 
My wife and I both still had PHYSICAL POSSESSION of our cards. 

And yet they are telling me I still owe them {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX 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 2021-12-14
Company: AMERICAN EXPRESS COMPANY
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:
I filed a dispute with AMEX on XX/XX/XXXX, reference # XXXX, for a {$250.00} charge on XX/XX/XXXX by XXXX XXXX. XXXX XXXX had already refunded {$77.00} so I informed AMEX I wished to dispute just the remaining amount of {$170.00}. XXXX XXXX  ( name per credit card charge ) aka XXXX XXXX XXXX ( name per credit card dispute response ) aka XXXX XXXX ( name per company when I did business with them ) performed an illegal bait and switch scam in which they verbally guaranteed on the phone they could repair the computer module for my truck for {$250.00}. There was no mention of a non-refundable diagnostic fee at the time the company charged my credit card. I mailed the module to them, and received an email from them on XX/XX/XXXX that the module was not repairable, but if I gave them another {$1100.00} they could send me a new module. I attempted to call them but at this point they started ignoring my calls. I then read their reviews online ( hundreds of 1 star reviews and XXXX complaints with identical stories as mine ) and told them to send me back the module. When I received the module back, it had not even been opened up as the sticker was still intact. They refunded {$77.00} and I initiated the dispute for the balance. In the meantime, I had the module repaired successfully by another reputable company. When the dispute was found in XXXX XXXX ' favor, I contacted AMEX to re-issue the dispute with the additional details that their diagnostics ( if done at all, which is doubtful ) were insufficient since another company was able to repair the module, and again requested a refund of the supposed " diagnostic fee ''. The dispute was initially found in my favor, and then reversed again. XXXX XXXX did not provide any additional details in their second response, and did not provide proof of performing the diagnostics such as a diagnostics report. I would expect AMEX to protect the consumer from an obvious case of fraud, as evidenced by the details above and this company 's pattern of numerous disputes, complaints, and lawsuits. I appreciate your help resolving this dispute with XXXX XXXX and AMEX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank improperly removed XXXX  from my account to pay a mortgage payment that was not due. I have done automatic bi-monthly payments on the due date and have been 1/2 payment ahead for almost 5 years.  Although I know its a glitch in their system, they have refused to reverse the payment prior to an investigation even though they are well aware that my regular payment has already been made. I have never missed a payment and this change to their procedure on my account was unnecessary.  Since they will not immediately return the money that was not due them, I think from a legal standpoint, they have converted my money and have committed theft. They have now advised that the funds will be returned to my checking account in 5-7 business days.  I am questioning the method on how this is being handled.  If this was a third party fraud, the funds would have been conditionally returned to my account immediately.  Since it was PNC who committed the fraud, it make no sense that they are keeping the funds pending their own investigation. PNC is well aware that no payments are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Two items that on my Experian report is in collection when I have two documentation that one item XXXX XXXX was settled but still show negative on my report which should be in positive status, and paid for deletion removal letter from XXXX which also still show negative in collection. XXXX and XXXX remove both of these items, so I do not know why Experian will not update this information as all three credit bureau should be working hand in hand.

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