BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Reported : XX/XX/2020 {$460.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX/XXXX {$0.00} XXXX XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2023-06-01
Company: GOLDMAN SACHS BANK USA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern, I purchased an XXXX  at the XXXX XXXX XXXX Ca. on XXXX XXXX and I represented my XXXX card for payment. The well programmed sales person offered me an Apple Card instead for a change in discount! So I was surprised with a Goldman Sachs XXXX account unwillingly! Also a difficult option to decline and back to XXXX! 
Following my intuition on the unwanted CC, I returned the XXXX in the unopened box to XXXX XXXX XXXX store on XX/XX/2013, which caught the recipient sales person 's attention, " You haven't even opened the box yet ''! 

A well meditated receipt that will fade out in no time at all and a recycling fee add on for nothing to be recycled on top of all was an enough red flag already! 

My intuition had served me right! 

I received an email yesterday from Apple Card Support asking for {$42.00} initial payment of the taxes, marked passed due and subject of reporting to Credit Bureaus THREAT! As if it matters to a man of XXXX, The XXXX! Lol So I called the customer service provided number XXXX XXXX and a respondent female HUNG UP on me when I said '' That XXXX was returned ''! She had a crying baby in the background! 
Today I receive another email to view my statement of the charges! I DID NOT! 
Note : That I had asked for my Gold [ MAN ] Sachs card to be CLOSED UPON RETURNING the XXXX! 

Is this GoldMan Sachs Bank Apple Card a SCAM OPERATION, or FRAUD?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business selling ebooks since XX/XX/2022 My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of america closed my credit card account and withheld my credit card rewards totalling {$4600.00} and also refused to refund my credit balance on same card for $ XXXX to the recent violations found by federal regulators i believe bank of america violated my rights under the consumer financial protection laws. 

I would like bank of america to issue my well earned credit card rewards as well as refunding the credit balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX account # XXXX, account # XXXX account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, has Violating my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states that I consumer reporting agency can not furnish an account without my Written instructions

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 2021-04-18
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 have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a minority owned business and this incorrect information is ruining the chances of saving my company. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: AMERICAN EXPRESS COMPANY
State: NC
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 made a payment to my credit card company in full for all charges posted on my account in the amount of {$3300.00} on XX/XX/XXXX which is one day late. payment should have been made on XX/XX/XXXX. I called and spoke to a rep and was told that all fees would be waived. Leaving a annual renewal fee of XXXX left on the card. I had previously called and spoke to a rep stating that I did not want the card renewed due to me getting another Amex in my name. Apparently, there is no record of that so I told the rep that I would pay the annual fee on my next billing statement. When my next billing statement arrived, I paid the XXXX annual charge, as well as a future rental car charge of {$130.00}. In total I paid {$380.00}. Which should have brought my account to a XXXX balance. Instead, I had a {$79.00} balance left on my card. I have called Amex several times each time I was told that the {$79.00} charge was due to different reasons XXXX was a late charge on {$7.00} dollar balance ( Which if true would have only brought the charge to {$47.00} XXXX was that I didn't pay the rental car bill in full which I also showed was not true and 3 was oh it must have come from interest which was supposed to have been waived when I made my {$3300.00} payment. Moreover, I pay balances in full on this account monthly I don't carry interest on this card. Lastly while an investigation is being conducted the amount in dispute is supposed to be frozen but instead I am being hit with late charges on money I do not owe. I have gone over all my charges line by line with the representatives and the dispute department, and they acknowledge that I have paid every charge I have ever put on the card and not one of them can pinpoint what the {$79.00} charge stims from. I am at beyond frustrated at this point and actually lost my temper on the last call. You can look at every payment I have ever made with this company, and you will find that I have always paid for charges I make on this card. I refuse to pay money I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
WELLS FARGO ARE STILL REFUSING TO USE MY XXXX MAILING ADDRESS AS INDICATING ON MY ACCOUNT PREFERENCES , WELLS FARGO ARE INSISTING ON USING MY HOME ADDRESS FOR SENDING MAILS REGARDING MY ACCOUNT. EVEN AFTER MORE THAN 2 YEARS OF COMPLAINTS ABOUT THE SAME ISSUE 
TODAY XXXX AGAIN I RECEIVED A LETTER FROM WELLS FARGO REGARDING MY ACCOUNT TO MY HOME ADDRESS. 
 I FAILED TO  PENETRATE MY ISSUE IN THE BRAINS OF WELLS FARGO EMPLOYEES WHO ARE WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION OR MANAGEMENT THAT I DO NOT WANT ANY MAIL TO MY HOME ADDRESS ALL MAILS SHOULD BE DIRECTED TO MY XXXX XXXX MAILING ADDRESS.
FOR MORE THAN 2 YEARS OF C0MPLAINTS TRYING TO MAKE WELLS FARGO RESPECT MY PRIVACY RIGHTS  BY DIRECTING ALL  WELLS FARGO MAIL ADDRESSED TO ME TO MY MAILING ADDRESS WHICH I PROVIDED ON MY ACCOUNT PREFERENCE BUT TILL TODAY XXXX  WELLS FARGO  FAILED TO  RESPOND TO MY ISSUE PROPERLY , FAILED TO INVESTIGATE MY ISSUE AND FAILED TO OBEY THE LAWS AND REGULATION AND MY PRIVACY RIGHTS.
IF I WAS DEALING WITH MONKEYS IN THIS LAST 2 YEARS BY NOW THE MONKEYS WOULD 'VE KNOW WHAT TO DO, OPPOSITE THAN WELLS FARGO EMPLOYEES. 
I HAVE TO KEEP COMPLAINING EVERYWHERE HOPING  AT THE END WELLS FARGO WOULD ACCEPT TO UISE MY XXXX MAILING ADDRESS FOR ALL THE MAIL AND TO RESPECT MY PRIVACY RIGHTS AND DIRECT THEIR MAIL TO MY MAILING ADDRESS AS INDICATED ON MY ACCOUNT.
THE WELLS FARGO EMPLOYEES WHO ANSWERS HERE SEEMS TO BE UNPROFESSIONALS AND  NOT INTERESTED IN SOLVING MY ISSUE , FOR THAT I HAVE TO KEEP COMPLAINING HERE AND EVERYWHERE TILL WELLS FARGO FOLLOW THE RULES AND REGULATION AND MY ACCOUNT PREFERENCE.
ALL THE ANSWERS FROM WELLS FARGO ARE MISLEADING, THE ANSWERS   ARE SORRY WE CANNOT MAIL TO YOUR XXXX MAILING ADDRESS BECAUSE OF COVID-19 OR BECAUSE OF USA PATRIOT ACT OR BECAUSE OF THE WEATHER OR THEY MISLEAD AND SAY IT HAPPENED ONE TIME ONLY OR ..... 
NOT ONE TIME WELLS FARGO TRIED TO FIND A SOLUTION.
 READ AT XXXX HOW MANY THOUSAND OF CUSTOMERS ARE COMPLAINING ABOUT SIMILAR ISSUE.
I ATTACHED XXXX OF LETTERS THAT WELLS FARGO SENT TO MY HOME ADDRESS FROM THE TIME I COMPLAINT HERE TILL NOW.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} 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

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 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
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:
Ive noticed there are several items on my credit report that do not belong to me. Ive contacted all three credit agencies asking for further information verified. I have not received any information.

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 2021-09-15
Company: Coinbase, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX I tried to log into my conbase account and I was unable to do do. When I called customer support, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: GFS II, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C.1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is a follow-up to my previous complaint in which I urgently requested the removal of fraudulent accounts and associated information that the XXXX XXXX XXXX have been erroneously reporting on my Credit File. I am aware that, according to the Fair Credit Reporting Act section 605b, the Credit Bureaus are legally obligated to expunge any and all accounts and information resulting from fraudulent activities. I implore you to assist me in promptly eliminating the following items from my Credit File : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. It is imperative to emphasize that these items are entirely unfamiliar to me and should never have been included in my Credit File. If the Credit Reporting Agencies contend that these disputed items legitimately belong to me and that they possess the legal rights to report them on my Credit File, I demand that the Credit Bureaus provide me with copies of the documents they have purportedly discovered to substantiate these claims. In the absence of such documentation, I expect nothing less than the immediate removal of the disputed items.

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 2021-08-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I asked Wells Fargo to close my account, they refused to do so on the basis they said I still owed a fee, I withdrew all my money from both accounts, business and personal, ,I believe they are stealing my money, when I pay a bill from account, the bill is paid at the time, deducted from balance, then a week later it comes out again, ,they say dont post until a week later, its been happening to long, they are charging me twice, this is a corrupt bank system, ,.I was over charge from cable company 5 months in a row, I disputed charges, XXXX XXXX said they could not find charges, Wells Fargo did investigation XXXX they credit me 1 payments {$41.00}, but payments should have equaled 5 months a over {$110.00}, why would they credit me {$41.00} and not all, I requested to shut account down, ,they refused, and still running up {$35.00} from same account for 2 months, and that account only has 1 payment, not 3 separate accounts, this bank needs to be shut down,, need to be investigated at once

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 2020-06-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately XXXX/XXXX/3020 I called Specialized Loan Servicing regarding my mortgage. I have gotten laid off on XX/XX/2020. All I wanted was some information. All the had was a recoding forbearance information only.I never signed for one and never spoke to a human being. It automatically put me in forbearance. When I got an email regarding it I called back right away to try to tell them no I do not want it yet I just wanted to know what my options were. Since that day its been a nightmare. They will not take me off forbearance. They also took me off my automatic payment through my checking account at XXXX XXXX. I called several times but these are the dates Ive documented XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Every time I call they say theyre taking care of it and getting me off of it its been well over two months and Im still not off of it. I continue to get emails and letters telling me I need to make my payments or schedule something. I have made sure each payment has been made each month I am up to date. I have asked for a supervisor several times but none will call me back. It seems to me theyre keeping me on this forbearance so that they can get funds from our government. I also found out on XX/XX/XXXX my payment has still not posted and today is XX/XX/XXXX. I also have to keep watching my accounts they keep telling me they have me automatically taking my mortgage payment out. Not true. I keep watching that. This is the worst mortgage company Ive ever had to deal with in my whole life and Ive had several mortgages. I guess they believe theyre above the law. I want to see where my signature is for a forbearance.Thank you for your assistance in this matter

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am interested in processing disputes on my credit report with transunion that is effecting my credit report please delete all items listed that are hurting my file asap.

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 2020-06-10
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:
IVE BEEN A VICTIM OF 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