BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern : ( Regarding : Goldman Sachs Apple Pay scam ) Dear Sir/Madam : I have an Apple Pay account which is custodially managed by Goldman Sachs. 
As of today XX/XX/2021, my official and current balance for my Apple pay account is exactly {$.00}. 
Today XX/XX/2021 XXXX I saw a payment from my bank checking account toward my Apple pay account for {$1200.00} which I did not authorized. 
I used the Apple Pay app to Report a problem with todays {$1200.00} payment which connected me via Chat to a rep that might have been oversees. 
The representative was not helpful ; the individual didnt notice or didnt care my balance was only {$.00} which I pay monthly for Apple XXXX storage. The individual didnt notice not only was this transaction attempting to remove {$1200.00} from my bank checking account but it also simultaneously gave me a false balance on my Apple pay account of owing the same {$1200.00} to Apple. Which basically Goldman Sachs is attempting to fraudulently steal {$2500.00} from me. 
The individual only help was that I must have signed up for automatic payments ( which I did not, I had removed automatic payment, but Goldman Sachs erroneously reinstated it. ) then the individual provided a paragraph of legal language and asked me to agree to it so he/she can remove the transaction. I told the individual via chat I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me a balance of {$1200.00} on my Apple pay account. The individual refused addressing the issue and only repeated he/she only wanted to confirm I Agree which I did not confirm. I only repeated what I previously stated. I agree Goldman Sachs is fraudulently attempting to remove {$1200.00} from my bank account while simultaneously giving me an erroneous balance of {$1200.00} on my Apple pay account. 
The individual continued to insist that I agree at which point I decided to not response anymore. 
The cause of this issue is Goldman Sachs makes it extremely difficult for consumers to pay off their Apple Pay debts quickly. The payment structure attempts to tie consumers to automatic recurring payments and does not allow consumers to make one-time/one-off payments. Without the recurring payments it obviously prevents Goldman from collecting massive interests if consumer defaults or have some other issue. Please help STOP this Scam from Goldman Sachs against consumers. I am now unable to pay my {$.00} cent balance because their system is saying I paid {$1200.00} so by the time this is fixed I would have not been allowed to pay my real balance of {$.00} cent and this will effectively put me in default which they will then have their way in sabotaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First I was out of town and didn't know where a Wells Fargo bank was located. I believe I have signed up for texted messages when my checking accounts ( yes I have 2 ) drop below a certain level. So I ended up paying {$200.00} toward my Wells Fargo Credit Card on XX/XX/18 and then paid {$250.00} on the same card on XX/XX/18. This was a mistake but since I can't see pending transfers in the account I double paid. This threw my whole life in a whirlwind. I was charged {$17.00} because the bank had to transfer money from my savings into my checking acct. But also because of this double payment to one credit card, I never intended to make, i overdrew again. I had set up to pay XXXX, XXXX, XXXX XXXX each {$25.00} on XX/XX/XXXX but they were paid {$25.00} again on XX/XX/XXXX ... again I never meant to duplicate these payments. So I don't know what is going on but at my XXXX bank if you try to enter a payment and you already have a pending one to that same vendor you get an alert immediately that you are about to double pay a vendor! So I am being charged 4 separate {$35.00} overdraft fee charges. These {$35.00} fees are more than the {$25.00} payments. I feel like I have been set up to fail and set up to be charged fees. When I realized what was going on I immediately transferred money from another Wells Fargo Checking and savings account into the overdrawn account. Those transfers are still pending today ( XX/XX/18 ). I do not understand why they didn't happen immediately so I would have avoided the four {$35.00} overdraft charges?? It all my money so what is the deal??? I feel like I was sat up to fail and I was set up to have to pay {$150.00} in fees!!!!! {$150.00} is a LOT of money to me!!! Again I never received a texted alert that my balance had dropped below a certain amount. At XXXX you see your pending payments ... .so you don't have to wonder if you set up for a vendor to be paid. At XXXX you receive an alert message if you attempt to double pay a vendor in the same month. These are both great resources and I don't see why Wells Fargo can't do this except for the fact they want to impose fees on us!

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 2022-11-28
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase has opened 2 checking accounts without my authorization the first debit card was received on XXXX which I called and was told on the phone that the account was fraudulently created and that they would flag my personal information and cancel the account. Then on XX/XX/12 another debit card was receieved ( different number ) calked to report after 36 minutes on hold call was disconnected and secind call placed. Very concerned that Chase is allowing creation if new accounts without customer approval or awareness. Also not alerting they have a fraud issue if that is the case causing this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I called Americollect after seeing an email notice that my credit score went down because of a debt collection. I was shocked because I was not aware of any outstanding bills. When I called the number for the collection agency, they informed me I had an outstanding bill from a hospital visit in XXXX. However, I had never received notice of this bill. I had moved a few times, including out of state. Americollect agreed to send me a paper copy of the collection notice. They never informed me of the option of disputing the claim. Additionally, I called the hospital to inform them I had never received any notice that I had an outstanding charge from the stay. I received financial assistance for that stay ( after my insurance covered part of it ), so I was never informed of any outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022

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 2021-06-14
Company: Duvera Billing Services, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I've attempted to remove late payments in good faith, and company has not complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Account status incorrect

Complaint:
I have attached a letter with accounts that have dispute remarks, I am no longer disputing these accounts and would like to remarks 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 explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
Request for Investigation please. the inquiries that I did not authorized are in the letter already. please review

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 2023-03-04
Company: EQUIFAX, INC.
State: SC
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:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX XXXX XXXX Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX bucks on my credit card and my credit report plummeted down by 20 pts then on TransUnion I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX This account does not belong to me. 

If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, 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 2021-03-13
Company: Experian Information Solutions Inc.
State: IN
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 have contacted experian via phone, online as well as mail asking them to verify 2 accounts on my report. I have asked for method of verification. I have also asked for a contract or anything that states this account is mines. They only respond with account is verified but it has yet updated from 2019 of " last payment status '' Each account has a XXXX balance and no payment history. 
# XXXX last updated status XXXX of 2019 # XXXX last updated 2019

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 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Reporting a bankruptcy without providing any proof only keep saying it has been verified when I dispute. VERIFIED BY WHO BECAUSE courts dont verify or give the company any information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
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: Account status incorrect

Complaint:
I took a car out with XXXX XXXX about 8 years ago..I got into an accident the car was deemed a total loss and my XXXX insurance paid the car off in full amount.XXXX XXXX reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and XXXX XXXX still has a hold on my credit I believe this is based on racial profiling as I been told by many dealers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RECEIVED NOTICE OF " FINAL DEMAND FOR PAYMENT '' WHEN I HAVE NOT RECEIVED ANY PRIOR NOTICE OF THIS DEBT, NOR AN INVOICE FROM THE HOSPITAL FOR THE ALLEGED DEBT. I HAVE ALSO NOT RECEIVED ANY INFORMATION ON HOW TO DISPUTE THIS DEBT OR IF I CAN EVEN DISPUTE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/ XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XX/XX/ Please remove it 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 explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-07-04
Company: Experian Information Solutions Inc.
State: NC
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 recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : 08 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