BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: WI
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:
As of XX/XX/XXXX the balance on my XXXX XXXX Auto loan account was {$770.00}, this has been the balance since XX/XX/XXXX. I have asked XXXX and Experian several times to update the amount. Since XX/XX/XXXX Experian shows my balance was {$2300.00}. This information is incorrect! This is the balance Experian still shows I owe. I have disputed this amount numerous times with Experian and XXXX and they never updated my credit report. Note XXXX and XXXX completely removed this account. I have sent Experian proof of my payments and they still updated nothing. On XX/XX/XXXX I paid this account in full by paying the remaining {$770.00} due on this account and Experian still refuses to update or remove this account saying XXXX XXXX keeps telling them the {$2300.00} is still due, is past due and no payments have been made since XXXX and they state XXXX XXXX validated this despite numerous phone calls, web messages to XXXX and several letters with proof of payment sent to Experian proving I paid but no one for years will listen to me and it caused me to not get a mortgage I needed and has adversely effected my quality of life and I demand answers! No person should be held XXXX via a company lying to the credit bureaus lowering humans credit scores, no one deserves the torture XXXX and Experian has put me through. I want every copy of documents relating to the validations to the investigation and re-investigations Experian sent to 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 2023-08-20
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX the phone company has stated that I owe them money for a phone bill while I was on XXXX XXXX XXXX. Not only was it illegal what they did since I was on XXXX XXXX XXXX  and I actually went into their store to pause our services during XXXX time. They were charging me {$120.00} so I went ahead and paid it. Theyve continued to sell the debt to different collection agencies. Ive now paid the same debt twice. A new collection agency Jefferson capital systems is now hounding me to pay this debt. I have sent them receipts of other transactions that Ive paid for the same debt. I have called their office. They never have anyone that answers the phone and they instruct me that my account is to be handled by a different phone number, which is not a working number. I have emailed them and texted them copies of the receipts. No ones gotten back to me and they continuously add the negative debt to my credit report. I feel as though theyve broken many laws and rules both Jefferson capital and XXXX XXXX. Id like this debt removed from my credit ASAP given all of this evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXXXXXX has appeared on my credit report showing as of XX/XX/2023 states original creditor XXXX XXXX XXXX XXXX for the amount of {$3200.00}. I have requested for several months validation of this debt and the original debt the original creditor opened, closed and payment history for the account they are reporting and as of XX/XX/2023 I have received nothing in the mail, text or email. This is a violation of the FDCPA for a collector to refuse to send validation notice or fail to respond to my verification letter. This XXXXXXXX XXXX XXXXXXXX account needs removed from my credit reports as soon as possible.

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 2023-05-19
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving harassing calls

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 2017-05-15
Company: Harley Davidson Financial Services Inc
State: NJ
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:
XXXX  reports my acct past due, this is inaccurate i get no reply from  XXXX  the credit agencies are ignoring my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
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:
CRA  continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22 I authorized a payment for {$1400.00} to be made to my mortgage company out of my house account. On XX/XX/22 I checked my accounts and saw that they deducted that payment but also made the same payment amount to a different part of my mortgage company out of my other account with Wells Fargo. I called Wells Fargo and spoke with two different people and they just kept repeating that I have two payment amounts to my mortgage company. I explained to them why I do and that that wasnt the reason for my call. After them telling me to delete one of the payment amounts with my mortgage company I got frustrated and disconnected the call. Wells Fargo basically refused to correct a {$1400.00} error made on their end and I am now stuck with the hassle of trying to get my money back.

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 2023-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a refund issued on XXXX from XXXX for ORDER # XXXX in th e amount of {$280.00}. I contacted the bank and was told this refund was rejected on the account closing on XXXX and to contact XXXX. Today is now XX/XX/20 and XXXX still does not see this refund.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open a checking account with Wells Fargo Bank by online system, but they asked to walk in and have 2 form of identity, I take with me my California Driver License and my Social security card. 
The banker started my application but after 2 or 3 minutes she told me she is not able to open basic checking account for me, I asked the reason and she didn't have any answer for me.

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 2023-01-24
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I left XXXX in XX/XX/2022. When I left, I still continued to make some type of payment to them every single month. I was assured multiple times when communicating with them that as long as I continue making some type of payment my account would not go to collections. I made consistent payments. They lied and still sent account to collections as of XXXX with Receivables Performance Management LLC. I call the collection company and the phone call immediately drops. I had someone else call ( not from my phone number ) and the call went through. It seems like they have this block so that the person who owes the debt cant reach them! This is very unprofessional and a setup. Definitely not a trustworthy company!

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 2023-11-17
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been dealing with these last XXXX disputes since XX/XX/XXXX. I have reasserted them at least XXXX or XXXX  times. I requested on XX/XX/XXXX via phone conversation to send me the evidence they are using to come to the conclusion that these disputes are not fraud. I have yet to receive it. These disputes are of their own making from incompetent staff putting in the wrong case numbers. Now I would also like to complain about Goldman Sachs specialist they need training for sure. I was told by a Goldman Sachs specialist supervisor that these disputes were going to XXXX XXXX and this was on XX/XX/XXXX. This is all on their recordings that they love to do.You should also hear babies crying on those tapes. What kind of bank is this they are trying to take care of babies while trying to take care of customers! What a mess!! Then they added the charges for the disputes to my closed account. What happened to the XXXX  Arbitration? It is a LAW that after 2 reassertions of disputes they are to go to XXXX XXXX. XXXX has a rule that for fraud you will not be charged for unauthorized charges. They should not be issuing a card with XXXX name on it if are not willing to stand by it. That is corrupt business practices. My evidence is the same that I sent for the XXXX disputes that were ruled in my favor. This is called harassment. I have to agree with other customers that have filed complaints about Goldman Sachs. They are corrupt and you cant get away from them and they cant be trusted!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previous complaint resulted in case #  XXXX  and is closed but not resolved.     This  XXXX  account was opened on  XXXX / XXXX / 12  under my ex-wife 's name and address, but using my last  XXXX  SSN digits. There were {$280.00} charged in unreturned equipment, and {$100.00} in 'other ' charges ( service ). She called a few weeks ago, confirmed that this is her responsibility, and said she paid the {$100.00} and is making arrangements for the remaining amount. However, this is still showing as a collections account on my  XXXX  report and needs to be removed.     What do I need to do to have this account removed 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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 found accounts in my credit profile that are not mine. Also I found unknown inquires. I am very sad due to this fraud. They are fake accounts and do not belong to me. What to do? I can not move on at all now, could you please investigate and after you finish delete them and report Identity theft?

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 2023-11-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal, without my consent, has signed me up for automatic payment. There is no way I can cancel autopay. When I tried contact customer service, I was put on hold for over an hour and never got a chance to speak to a customer service representative. 

I would like Paypal to go into my account, today, and cancel any forms of autopay which they signed me up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Earlier this year, I purchased two XXXX XXXX tickets, which I initially mistakenly disputed with Chase. I called Chase right away. They said they were going to stop this dispute from reaching XXXX XXXX so that I dont lose my reservations, and that they would rebill me for the initial dispute credit that was automatically given to my account. 
A few weeks after this happened, XXXX XXXX canceled my flight reservation. I called the airline, and they told me that Chase requested the money back, and they processed the cancelation. 
I called Chase, and they told me they didnt have that money. I then went back to XXXX, and they were kind enough to research the charges with their accounting team, confirming that money was sent back to Chase upon their request. 
Since then, Ive reopened the case many times and spent a lot of time with Chase without a resolution. XXXX XXXX confirmed they sent money back to Chase and has never gotten the rebill amount, but Chase wont credit the {$380.00} back to my account. 
I lost my reservation due to Chases mistake, and in my latest conversation, Chase told me that if I had a problem with those charges, to handwrite a letter to the Executive Office at Chase. 
I am writing today to CFBP begging for help with resolving this situation. I am in a vicious circle where Chase is not responding to my inquiries anymore, XXXX confirmed they dont have that money to credit me back, and I spend time on the phone with people from Chase who arent willing to help me. 
I dont have a way to access the transactions and see where the money is and to get it refunded, and I hope CFBP can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: United Shore Financial Services, LLC
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
In response to complaint XXXX Discover Card failed to respond to written request for documentation and proof to support the data being reported to the XXXX credit bureaus. This account has been disputed initially with the XXXX credit reporting agencies and came back verified each time without any of the requested documentation to substantiate the data being reported to XXXX, XXXX and XXXX. CFPB closed the complaint on XX/XX/XXXX without resolution allowing my consumer rights to continue to be violated. The initial attached letter requested under the Fair Credit Billing Act copies of the following : Original Contract with signature, Copies of all billing statements from inception reported as XX/XX/XXXX, and Full Accounting of account since reported inception until reported as charged off and afterwards. Discover after 60+days has not provided any of the supporting documentation listed above or any proof that it provided to the CRAs during their investigation. If Discover Bank is unwilling, unable, does not have accurate records pertaining to the debt, then they must remove the negative information being reported monthly to the XXXX credit reporting agencies. In response to complaint XXXX Discover wrote a letter with no supporting documentation and attached a corrupted file that could not be opened. None of these documents addresses the initial FCRA 623 investigation. How can I or anyone else including the XXXX CRAs validate or verify the accuracy of the balance, status, dates opened, closed, payment status, etc if Discover can not provide proof of the information it 's reporting to the CRAs? Also Discover Bank failed to provide written notice to me that it that furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. Another violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted  XXXX  and Early Warning regarding inaccurate information being reported on my consumer reports by them. They asked me to provide proof of my Chapter   XXXX   Bankruptcy filing and discharge and stated that they would remove the negative marks on the consumer reports. I provided these documents several times and even had my attorney contact them and they have not cleared these reports up for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: WELLS FARGO & COMPANY
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:
15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: AZ
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 have 2 hard inquiries on my experian credit report. I have send them and XXXX XXXX several letters and mails with no response from either of them. I have send to your attention as well in the past with no proper response. Please instruct experian to remove both of these hard inquiries as I don't acknowledge them or ever applied for them. Hope you will comply. 

XXXX XXXX XXXX You applied for a credit card on XXXX XXXX XXXX XXXX XXXX XXXX You applied for a credit card on 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 2017-05-15
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On  XXXX / XXXX /  XXXX   @  XXXX  i activated a transfer to  XXXX   XXXX  Ban k in  the amount of {$400.00}. As of the date of this complaint, the funds have not been received. I spent  two h ours on the Phone with  XXXX   XXXX  who would not assist me in researching the wire because I was not a customer of the bank. After speaking, with the  Card Servicer, it was identifi ed by  XXXX  the supervisor  that " Unforutnately it  was a manual wire done online and can not be tracked by the card servicer '' Please help me resolve this and get my money back.      XXXX

Company response to consumer: Closed with explanation