BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have an auto-pay with XXXX XXXX for my monthly service. Due to a cyber attack I did not receive my XXXX bill. The last bill I received from XXXX XXXX was on XX/XX/XXXX ( auto-paid on XX/XX/XXXX ). On XX/XX/XXXX, I was charged by XXXX an amount that is {$10.00} more than my normal amount. My attempts to contact XXXX have been unsuccessful. Their site is down so I can't access my account ( attached is a screen shot of their current site ). I've tried to call several times and their call center is overwhelmed so my call is either disconnected noting they are experiencing abnormal amounts of calls and to call back or put on hold with a hold time of 50-59 minutes. I waited on one of these calls for 55 minutes to finally talk to a person who put me back on hold. After about 20 more minutes, the call got looped back to the normal customer service. I have even tried to send a private message on XXXX which fails. 


In good faith ( since I know my normal amount due ), I only disputed this additional charge with my Credit card company ( Capital One ). 

- After the first call on XX/XX/XXXX, I received an update letter with the incorrect dispute amount and asking for the information I gave over the phone. I promptly sent that back. 

- On XX/XX/XXXX, I received an update stating I didn't provide the necessary information. I called again on XX/XX/XXXX & was told they'd update my dispute amount and start the investigation again. 

-On XX/XX/XXXX, I received XXXX Dispute update letters. Two were the same as I received on 3/13 in different amounts ( one with for {$1.00} and the other for the correct {$10.00}. The third was to disregard the letter I received on XX/XX/XXXX. I filled out the one with the correct amount of {$10.00} and sent it back. I noted I don't have access to my account and can not contact the vendor. I put the website ( mydish.com ) and phone number ( XXXX ). 

-On XX/XX/XXXX, I received a resolution letter for the amount of {$1.00}. I called Capital one on XX/XX/XXXX and was put on hold for 45 minutes only to be told there was nothing they would do about this dispute because I failed to provide my bill showing I was overcharged. I tried to explain again that I didn't receive a bill and they refused to do anything. 
Credit card companies are supposed to protect consumers from issues like this & they did nothing to assist me. Im not sure what else to do except file a complaint since I cant get anyone to help me with this issue. 

Attached is the last Dispute letter I sent back to them and the screen shot of what I get when I tried to access my Dish account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
An eviction was filed against me by XXXX XXXXXXXX XXXX in XXXX and that eviction was dismissed via XXXX XXXX XXXX XX/XX/XXXX I have supplied the proof of dismissal to the 3 credit bureaus and this item is still being reported on my credit report despite the information being inaccurate. I have attached the court records which state the item was dismissed with a XXXX  balance. This debt is negatively affecting my ability to attain credit. I have called and requested that someone call me from the agency and they refuse to resolve or remove this item. They continue to call me asking for someone else and when I explain that that person does not have this number and explain I requested a call back I am told that my account is still under review. I was told my original dispute was received in their office XX/XX/XXXX and to date it is sill under review????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The Chase Sapphire Rewards credit card is a premium product that charges a {$550.00} annual fee. One of the benefits it offers is a Collision Damage Waiver for rental cars. Chase manages claims under this benefit through a website, XXXX XXXX XXXX. Upon submitting documentation of a claim, customers receive an email from XXXX stating that " your examiner will review documentation within XXXX business days. '' My experience below suggests this timeframe is misleading. 

On XXXX XXXX, I returned a rental car with a small scratch and was charged approx. {$300.00} to my Chase Sapphire Rewards card. After confirming with Chase that the incident would be covered under the Collision Damage Waiver, I requested reimbursement via XXXX on XXXX XXXX On XXXX XXXX, XXXX requested more documentation ( such as a copy of my credit-card billing statement ), which I provided on XXXX XXXX. 

On XXXX XXXX, XXXX requested a document that I had already provided on XXXX XXXX ( an " itemized estimate of repair '' ). 

I re-uploaded this document on XXXX XXXX with the file name " XXXX, '' along with a written explanation of my claim. 

Since then, I have received no formal updates, and my claim has not been paid. It is now XX/XX/XXXX - XXXX weeks after the last documentation was submitted. I've had to pay the cost of the damage out of my own savings. XXXX 's customer-service representatives have confirmed by phone that they have all the documentation needed and have attributed the processing delay to a supposed surge in claims related to the pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: GOLDMAN SACHS BANK USA
State: OH
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 have an Apple Goldman Sachs card. I booked a hotel XX/XX/2022 for a stay at the XXXX XXXX through their XXXX XXXX XXXX website for XXXX XXXX XXXX The cost was {$1000.00} I canceled this reservation on XX/XX/2022. The cancelation deadline was XX/XX/2022 ( 1 day before arrival ). The hotel charged me anyway and I disputed with Apple Goldman Sachs. The hotel provided their stance on the dispute which was that there was no cancelation allowed due to it being the XXXX XXXX XXXX  and also that I booked from a third party and there is not cancelations allowed. I did not plan a stay at this hotel for the XXXX XXXX XXXX and a quick XXXX will show you that the XXXX XXXX XXXX was in XXXX. My stay was in XXXX. I also did not book through a third party. I booked directly through XXXX XXXX XXXX website for XXXX XXXXXXXX XXXX stay. Another quick XXXX will show that is the only way to directly book at this hotel. I provided screen shots of all of this to Apple Goldman Sachs and they have not done one ounce of research for me at all. The dispute gets denied and I open it up again. I ask for proof from the hotel and each time they state they investigated yet they still send me the same notes as the first dispute. This has been going on for months now. I am so upset that Apple Goldman Sachs has not done anything on my behalf. I do not carry a balance on this card and I also have amazing credit. I need help with this investigation and Apple Goldman Sachs to do their due diligence on my case. They have done nothing. Every time I call, Apple agrees with me, they send me to a Goldman Sachs rep and they also agree with me. What is going on???? You are allowing this specific hotel to rip people off and Apple Goldman Sachs is not doing any investigation when I am showing fact and the hotel is not!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding the Wells Fargo settlement. 
Appreciate the help in advance. 

Hello- I currently pay my mortgage through XXXX XXXX XXXX company. 
Several years ago I had inquired about refinancing when rates were low and they mentioned how XXXX was a serviced but Wells Fargo owned my mortgage- felt like such a scam from the start. 
I am simply inquiring if perhaps I am eligible for a settlement. 
Eventually I hope to refinance once rates come back down. 
Please feel free to email or call- my home address is : XXXX XXXX XXXX XXXX, XXXX MD XXXX. 
Thank you much XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XXXX XXXX, 2023 my Ally auto payment went 30-days past due. The next due date was XXXX XXXX, 2023 in their payment app ( XXXX ). I made the payment in full ( {$1700.00} ) including late charges, on XXXX XXXX, 2023 via their phone system. Theyve reported the payment 60-days past due, although all contact through app and text shows a due date of XX/XX/2023 ( 30-days from XX/XX/2023 payment date ). 

When contacted they said the payment doesnt need to be 60-days past due and they can mark it on the XXXX. I requested information and they were reluctant to provide, but said they would mail something between 10 business days. Looking through the contractual terms of the loan, it says clearly its a 30-days from due date reporting system. This means my payment would be marked 60-days past due on the 58th day, with a payment deducted on the 59th day. 

Reading through the federal law of the Fair Credit Reporting Act, it states A late payment can not be reported to the credit bureaus until it is at least 30 days past due. An overlooked bull wont hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. 

Any assistance will be appreciated and I would like to engage the complaint process.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late. 

DEPT OF ED/XXXX - XX/XX/XXXX XX/XX/XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX days late XX/XX/XXXX XX/XX/XXXX days late XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX days XX/XX/XXXX XX/XX/XXXX days I was never late.

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 2023-03-20
Company: WELLS FARGO & COMPANY
State: IL
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:
I am submitting this complaint as a XXXX Bank customer in which Wells Fargo allowed a washed check to be cashed. XXXX Bank as followed up but has not heard back from Wells Fargo regarding a fraud claim filed. Please find the following details below. 

On XX/XX/XXXX, I noticed a check clear from our bank account for an amount that was not recognizable. I pulled up a copy of the check online and saw that the writing on the check was not my husbands handwriting. Everything on the check was changed, the name was changed from Wednesday XXXX to XXXX XXXX, the date was changed from XX/XX/XXXX to XX/XX/XXXX, the memo was changed and a picture of a XXXX tree was drawn, my husbands signature was written over, and the amount was changed from {$50.00} to {$500.00}. I proceeded to my local XXXX bank and informed them of the situation. They instructed me to file a claim, which my husband and I did right away. After following up with XXXX Claim services several times, I finally received word on XX/XX/XXXX that they did not get a response from Wells Fargo regarding this matter. My husband and I found ourselves very frustrated by this. After dealing with many life circumstances, I finally took further action. One Wednesday, XX/XX/XXXX I filed a police report with the XXXX XXXXXXXX XXXX XXXX The report number is : XXXX. Upon speaking to the XXXX, he agreed that this indeed was a washed check. On XX/XX/XXXX, I filed an Identity Theft Report with the United States Postal Service as this check was taken from the mail. I am writing you to please give our {$500.00} back to us. Your bank has allowed this check to be cashed when it never should have been. 

Enclosed you will find all my correspondence with XXXX bank including the claim I filed. You will also see copies of the check before and after the altered check so you can examine the writing and signature. I have included copies of the XXXX  business card and an email confirmation that I filed a identity theft claim with XXXX. 

Feel free to contact me with any further questions to resolve this matter. 

Thank you-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: AL
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:
After I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts ' Late payments will be removed. 
XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX Balance : {$5700.00}

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 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I am writing to dispute the following information that Capital One provided to XXXX and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This Capital One account opened XX/XX/2017 is inaccurate because Its not in collections, it has a XXXX balance and has not been active in quite some time. This needs to be removed from collections section on my credit report. 

I am requesting that Capital One have the inaccurate information removed from the my credit report. Enclosed are copies of of my credit report with the account in question supporting my position. 

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 3rd 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/1972 Balance : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-03-20
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed my personal name with XXXX because, they are not reporting me accurately However, they decided to not correct the error and remove any other aliases they have of me. I only have one name, XXXX XXXX XXXX . XXXX has profile under anther name XXXX XXXX A.K.A XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had filled out an auto loan application and was denied. So I went and checked my credit. On my credit was Ability Recovery Services who I have never ever heard of. They were saying they were collecting for a medical bill from XXXX XXXX XXXX. I have never recieved a bill from XXXX XXXX XXXX  because I am on XXXX and the XXXX  program. My XXXX should of paid the invoice. So I called up Ability Recovery and a XXXX answered. She was so rude. I explained to her I have no record of them sending me an debt collection notice nor had I ever recieved a invoice from XXXX XXXX. She told me to bad and that if I would take care of my bills then I would not have to worry about Debt Collectors. She kept interupting me. I also tried to tell her that according to there record the bill was a new bill and I believe there is a no surprise act toward medical bills. The XXXXXXXX XXXX can not turn over to a collection agency until they send me a bill I believe it is called the NO SURPISE ACT. I asked this XXXX to please provide me with a copy of the bill and a copy of the Debt Collection paper the sent me. She told me that I need to look around my house and find it and then she hung up on me. I am XXXX and I tell you this lady made me cry. .She really did. I noticed on some reviews of this place this lady is pretty awful to seniors. They want remove the debt from my credit 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 explanation