BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
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've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The Experian and XXXX credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove it ASAP! 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXXXXXX XXXX  ; XXXX XXXXXXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An individual and or individuals stole my identity and opened a credit with Capitol one. When I called Capitol one, I was told there is a balance of {$2300.00} that was spend on this account. 
I do not own a capitol one credit or a debit card, nor have a ever placed an application to own or open an account with Capitol one. 

All purchases made on the account are act of fraud. 
I have asked Capitol one to to close the account. I was told by Capitol one that they will follow with an investigation and get back to me as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I noticed that my two Citibank checking accounts had a $ XXXX   monthly fee for the first time in years. Nothing changed with respect to my accounts meeting the criteria for monthly balance over $ 10K and monthly direct deposit, and I called Citibank who told me this was a system error. Citibank did correct the error, but I am raising this complaint since I had to notice and call in to get this issue remediated, and it's important to me that Citibank takes more proactive action to make sure its other customers are not harmed.

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 2023-05-03
Company: EQUIFAX, INC.
State: NV
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-02-03
Company: Payfare International Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
They temporarily suspended my account and said call customer support to reactivate I have tried numerous times to get ahold of them every time I call I wait on the phone for XXXX then it just hangs up on me meanwhile Im stuck at a gas station unable to put fuel in my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: MI
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:
These are fraudulent hard inquiries on my report. I did not authorize all of these hard inquiries. Below is a list of the hard inquiries on Experian that I did not authorize, please delete these inquiries immediately. 
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 Please delete the listed inquiries that Ive listed that I didnt authorize. According to the Fair Credit Reporting Act I'm entitled to an accurate 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 2023-02-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX XXXX credit card was stolen from my car, and was used to purchase the following, resulting in a XXXX point drop on my credit report, and has the potential to damage my credit further : - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX in XXXX, CA {$26.00} - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX XXXX, CA {$270.00} I have already reported the card stolen to Comenity Capital BankXXXX XXXX the account was closed, and unauthorized charges were reported, documented, and are currently under investigation. 

I was told I will receive a letter in the mail with the results of the investigation, once completed. 

I will also reopen my previous police report from the day my card was stolen, and see if they can check the cameras in the above stores to try and catch the person who did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
opened account XX/XX/2022, promised in writing {$300.00} bonus. Never received. Almost 9 months later they are committing fraud on a multi-depositor and interstate basis.

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 2023-05-03
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Since 2000, the XXXX FBI office and Internet Crimes under Attorney General XXXX XXXX and in the past XXXXXXXX XXXX has been allowing Female police in the White Collar Crimes Division, target seniors bank accounts and by using Department of Education employees protected from prosecution by XXXX XXXX of the EEOC. 
I was harassed for reporting females who have targeted other females bank accounts and that were seniors. State Employee XXXX XXXX and Adult Protection XXXX XXXX and several Section 8 housing of seniors managers has allowed this rackateering and hacking of Debit cards. 

My debit card has been hacked by XXXX Supervisor XXXX XXXX in association with XXXX XXXX and FBI agent.

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 2021-06-10
Company: Experian Information Solutions Inc.
State: CA
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:
Freecreditscore company took my information social security date of birth verified my identity then requested my credit card information to give me the free credit score allowing them to repeatedly charge my card with no resolve to my account it was fraudulently taking my information and that was only free to them. That is just wrong there phone number is XXXX I called spoke to XXXX but first they never say who they are just customer service or membership services then when asked he was unable to answer a simple question about who they are its fraud pure and simple

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I previously typed up an extremely detailed complaint and my laptop battey died. I am going to keep it simpler this time. 

I made a purchase from XXXX in the amount of {$640.00} on XX/XX/2023. 
The order took two+ weeks to be fulfilled. I called XXXX daily, and several times per day requesting updates as this was an XXXX XXXX order ( Delivery was supposed to be made the following day, which is why I placed the order in the first place- I needed the order, the next day ). Each day I was given a new estimated delivery time and and another false promise/excuse for the delay. I run and own a business which heavily relied on the timely deliver of the security cameras I purchased. 

To make a long story short : In the end, I contacted XXXX and explained the entire situation to them, I explained that this delivery delay caused me to loose a customer loosing me far more then the cost of the goods. They accepted responsibility and offered a full refund. They said that an Email would be sent to me confirming this, shortly as the reps computer was running slow. Well, an email was never sent and since this was my XXXX time calling XXXX, I went to Amex and disputed the payment instead. Unfortunately, both attempts to receive what I was promised, a full refund, have completely failed. So, here I am, taking yet another step to yet again ask for a full refund. Amex did not research the dispute properly. Amex informed me that the order had been received and indeed, it had been received. The issue is that as a prime member, I was offered next day shipping. I did not receive next day shipping. Things happen, which I understand, so even if it was within the next THREE days that would not have been a big deal. However, this was for more then reasonable, it took over HALF A MONTH. So, in other words, I did not receive the service that I paid for as promised by the merchant. I should have been fully refunded. XXXX is a large company and so is Amex. There are recorded calls regarding this situation. XXXX promised a refund and did not deliver. My business earns {$1000.00} per day. If I am unable to receive a full refund for this transaction, i will be seeking legal remediation to recover the original transaction cost, recoded phone calls and a {$1000.00} per day for every day that the package was delayed. Please, just refund me the originals transaction so I can stop spending all my my time fighting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2023-01-25
Company: Branch Messenger, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am unable to access my XXXX app bank account. I can not login to the application, meaning I can not access my income being paid into this account. On XX/XX/2023 I initiated an online support ticket for help with accessing my account. On the same day, I received a response from an agent named XXXX, asking for some identity verification information. I responded, same day. From there, I didnt receive a response from the company for an additional XXXX  days. The response I received was thanks for your patiencethey will be in touch very soon. During this XXXX  day period, I spent hours on the phone EACH DAY, waiting on hold on the customer service phone line. Each time, I would wait for just over XXXX hour, and the call would disconnect. No one answered these calls, ever. At this point, its been XXXX  days since my initial attempt to contact the company to resolve the issue and give me access to my account and funds. This is unacceptable, and clearly a major oversight by the company. I want access to my account, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacted and verbally abused by representatives from Pro Collect. Numerous times I have told them I am not responsible for the debt and asked for information about the account. I have been berated and falsely accused of owing money and was told that they would continue calling me every day until I paid. When I asked to speak to a supervisor I was told they would not connect me to a supervisor and would note in the account that I refused to pay. When I explained that I'm contacting them for information on howI can resolve this matter I was hung up on. The rep continue to call me by my incorrect name even after repeating several times to her that I was not the person she was looking for.

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 2023-08-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$8900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$6000.00} ; 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 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was with Regions bank for about 2 years. Since I had been with them I have struggled tremendously. It seems every time I would pay bills, my balance would not reflect what I actually had in the account. This would result in them charging overdraft fees. What I found very disturbing was that I had the feature turned off and I was still being charged these $ XXXX fees. I tried to call and explain that I do NOT want these charges on top of XXXX charges or any charges since the feature was turned off and the first go around they refunded the amount. Any time after that? Not so much. I was told through an online chat that they know the feature is turned off but I will still get charged an overdraft fee. What is the point of opting out if I am still going to get charged. I explained to them that I did not want these charges over and over. I simply wanted them to just not pay it. I was in the process of switching cards and sometimes I pay bills with different cards and Regions has refused to give me back any of the fees that have been charged. I have since been locked out of my account so I cant even see what is going on with my account.

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 2019-07-06
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX 2019, I discovered that my AMEX / Bluebird card was hacked for 2 unauthorized transactions totaling {$200.00}. I also received an alert from Bluebird that the same company ( XXXX ) or XXXX XXXX XXXX I couldn't get anyone to cooperate and explain how they blocked 1 unauthorized attempt for {$1500.00} but allowed the same company to hack my account for {$200.00}. I requested 2 dispute resolutions and also requested Bluebird to email a declaration of fraud and they refused. 3 out of the 7 calls I requested a manager / supervisor and after being on hold for 20 minutes I am transferred to someone and phone disconnects. American Express Bluebird is guilty of fiduciary negligence / breach of security and allowing my SSDI direct deposit funds to be hacked. As a  XXXX person I demanded a provisional credit until funds are back in my account and that was denied. This is second time within 6 months that my account has been hacked and I will be shutting this card down and consider taking legal action against AMEX / Bluebird. Complaint also sent to FBI IC3.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation