BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: DISCOVER BANK
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 am writing to request an investigation regarding my dispute for XXXX XXXX merchant for {$70.00}. I was told by several Discover representatives over the phone that kind of dispute was not something discover does. I spoke to two discover reps and they were rude over the phone and did not want to proceed with the dispute or reopening such dispute. On XX/XX/21 at XXXX I called and representative XXXX did not want to discuss dispute and was rude and refused to let me speak to a supervisor. XXXX said that a supervisor would call me within XXXX hours but nobody did. I think she did not put the request. About the dispute XXXX stated that this kind of disputes was not something Discover did. She advised me that the food was provided and since I had stated that food was not as described and defective is not something she could help with. She advised me to call the merchant and request a letter from them stating that they will provide a refund. XXXX was so ridiculous. I mean who is going to request such a letter. Then on XX/XX/21 at XXXX I called Discover again to discuss dispute and to see why a supervisor had not called me. XXXX a supervisor took the call and she also refused to discuss the dispute and told that such dispute with food quality we dont dispute that kind of issues. She also stated that the hamburger was not cooked well and had bones in it and ribs were dry. She abruptly said I chose to get food and I took it therefore I am responsible for it. Very unprofessional and rude representative as well. Some of these reps are not all that knowledgeable about the rights of customers. I was never also provided with documentation from the merchant for my own review. 
Surprising that I was told this by two representatives taking into account that this is not my first time filing a dispute regarding food that is defective or not as described. I told both reps that I would file a complaint and they reacted as they did not care or that their job was not in jeopardy. Totally arrogant attitudes. I believe that my rights as a cardholder were violated. I request that my dispute be resolved in my favor for {$70.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one reporting a balance on a sold charged off account asking for a balance and collections also asking for a balance. I never said the account was not mine I asked for validation. Please focus on you reporting a balance on a charge off sold account. Where is my 1099? You can't report income on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion negligence insure the accuracy of my consumer report has caused me a great deal of emotional distress and a master of trouble to clean up on my own. I have reached out to Transunion in writing for 2 years straight trying to get this matter dissolved the company refuse to comply by my demands and request to the extent that they have not comply by the federal statues and codes stated in my letters. Transunion have not made any effort to clean the delinquency account from my consumer report belonging to XXXX XXXX. Transunion continues to report the transactions between me and financial institutions that does not belong on consumer reports. Transunion has defamed my character and reported inaccurate information. Transunion has not abide by the federal statues that apply to reporting and insuring the accuracy of consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2021-12-08
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter, who turned XXXX on XX/XX/XXXX, had a medical issue in XX/XX/XXXX and used a wheelchair service belonging to  XXXX XXXX XXXX ( XXXX  ), an ambulance company. Several months later, I her father, received a bill for about {$450.00} for that wheelchair use. I contacted their customer service and notified them that I was not responsible for the debt and why. They took my information and said they would investigate. About a month later I received another bill from them, and I contacted them again and explained the situation to a different customer service rep. I DEMANDED that they send me proof of the debt, knowing they would have nothing since I was not even there the night my daughter entered the hospital to sign any sort of paperwork whatsoever. They assured me the issue would be sent to their advanced investigation team.

About two months later I began to receive calls from a " Credence Resource Management , LLC '' a debt collection agency on behalf of XXXX. I explained to them on my one and only phone call the situation and that if they wanted to get wrapped up in the suit I now intended to file against XXXX, to keep attempting to collect this debt. They requested that I send an email to them explaining the situation- which I did - and their response was that they would cease attempting to contact me regarding the debt. I know the FCRA requires them to stop calling if requested, but it doesn't necessarily mean they will stop attempting to collect on the debt or foolishly begin to damage my credit. If they do, I will be reporting on them as well and initiating a suit against them for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: NEW YORK COMMUNITY BANCORP INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Ive applied for XXXX assistance and it have been approved and the funds had been sent and I was able to confirm that it has been received from Flagstar. The payments has not been applied. The payments were suppose to be applied for XX/XX/2023 XXXXXX/XX/2023 plus to the escrow owed and then 3 payments going forward and the payment has yet to be applied as listed on the breakdown. Im so stressed. I have XXXX children and I do not want to lose my home.. Everytime I call I get different responses but they all see the funds are still sitting there.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

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 2021-02-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I have been an American Express Card Holder since 1989. Over the past year, I have disputed several fraudulent charges to my card and had to spend numerous hours on the phone with American express to resolve. American Express customer service is highly inefficient and customer service representatives are no trained. Most customer service representatives don't speak English. Their on-line web site has issues which has resulted in me spending hours, and sometimes weeks on the phone with them to resolve. Some of the discussions have become heated because every time I call back to discuss a dispute I need to start from the beginning. American Express has been inconsistent with resolving disputes, and in most cases sides with the merchant. One charge I disputed, all the merchant needed to provide was my name and address which was sufficient for Am Ex to side with the merchant. After months of going back and forth with Amex, they contacted me and told me my account was black listed and my card was cancelled, despite I had not missed payments and my account was current. As a result of Am Ex cancelling my account my credit score dropped 30 points. I am being taken advantage of a large corporation who has ruined my credit score and black listed me for no good reason. They claim they black listed me because of negative conversations I have had with their offshore customer service representatives that can not speak English. I am requesting my account to be reinstated until the balance is paid off. I don't think it's fair for me to have a negative impact to my credit score just because a major corporation black lists me when I had the account for over 40 years and in good standing. I don't care to use the card, but doing this to me during a global pandemic is cruel and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection. The information on this collection account is extremely false and fraudulent. It states a date of service of XX/XX/XXXX with an innacurate service address. The apartment I reside at was yet to be built in XXXX. The account now states that it was in collection on XX/XX/XXXX. This original creditor has tried to open a collection in my account in the past which I also disputed and was taken off my credit report and is now reopening a collection under a different agency. 
This is against the Consumer Financial protection bureau and this collection agency is violating the Debt collection practices. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this collection account from my credit report if it is found to be inaccurate. 

I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. Sincerely,

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: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been unable to view my Equifax Consumer Report for over a year, either via XXXX or directly at my.equifax.com. Upon attempting to access same, I constantly receive this error : " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX. '' Equifax provides no further explanation. 

On XXXX XX/XX/2023 at XXXX XXXX, I called Equifax at XXXX and spent 90 minutes on repeated holds, and talking to a representative located outside the jurisdiction of United States. Despite the lengthy and unproductive phone call, Equifax 's representative refused to connect me with anyone empowered to resolve the issue but provided XXXX # XXXX and a promise someone would contact me. 
To date nobody ever called the phone number I provided. At XXXXXXXX XXXX XXXX, XXXX  while on the phone, Equifax sent me email claiming the issue was resolved. This is false. Nothing has been resolved. On XXXX XX/XX/, Equifax wrote me an email instructing me to reset my password, just as the phone rep did without success. Attempting to reset my password repeatedly yields the same " " Please give us a call. We can't complete your request at this time ... '' message. Instead of resolving its issues, Equifax instructs me to follow the same steps repeatedly and expect a different result. 

I write in sheer exhaustion of trying to deal with a broken company that operates offshore and can not provide mandatory consumer credit reporting information, and refuses to provide me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I feel that BB & T intentionally applies debits to my account before they apply my credits. I was told when I call that there pending charges for today ( XX/XX/21 ) would be processed at XXXX XXXX XXXX but my paychecks which are also scheduled to be applied to my loan overnight tonight would not be applied until after XXXX. In my opinion this causes consumers to be hit with overdraft fees. I noticed today that my automatic payments have already been applied as pending charges this morning and my account is overdrawn. Those charges are not scheduled to come out until overnight tonight when my check is scheduled to go through. I called the bank and I was told that they would apply my check first and then debits and there would not be fees. The next breath I was told there could be fees applied. I do not feel that their customer service representatives are clear on how automatic deposits are handled on Thursday evenings in connection with how debits are applied on Thursday evenings. The only way to prevent {$140.00} worth of overdraft fees is to come up with {$340.00} before 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 2023-10-13
Company: CITIBANK, N.A.
State: FL
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:
I reported fraudulent charges on my Citi credit card account in the amount of {$2500.00} over multiple transactions. The CC opened a disputed and was supposed to remove the charges from my account. They did open a dispute and never removed the charges. They called and asked me about the charges, which I explained appeared shortly after I had made a purchase on XXXX. The billing on my card looked similar to the billing for the valid XXXX purchase but I did not make them and they do not appear in my XXXX transaction history. 
The dispute was closed stating I owed the money because I provided the merchant my card. I called on or about XX/XX/XXXX  after received the dispute closure letter ( dated XX/XX/XXXX  and postmarked XX/XX/XXXX  ) explaining that I did not authorize the additional charges and was told a new case would be reopened. I offered and sent my XXXX transaction history, the CSR I spoke with assured me that would drive rapid resolution of the problem. I have called twice in the last two weeks for status to find nothing has occurred. No new case has been opened and the charges have not been suspended. On the call today I was told I was responsible because I gave the merchant my card ( assuming they meant number ). I fail to understand how I can be responsible for someone fraudulently using my card number without my authorization whether or not I had provided it for a valid authorized purchase. If that were the case the entirety of the credit card, bank card and virtual payment systems that businesses in modern day socitey rely on would collapse.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES NOT AUTHORIZED BY ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am attaching police report and from AG

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 2019-07-17
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A garnishment was presented to my credit union for a judgment against my wife, whose sole source of income is social security XXXX, which is protected from garnishment. Since it is a joint account, they took my savings. I contacted the law firm and explained this to them but they stated that they intended to collect the debt even though they know that its not her money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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