BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In good faith, rough draft abstract, and with all due respect, I have made payment to my XXXX ( XXXX ) American Express XXXX " XXXX '' ) on about XX/XX/XXXX via our new bank, XXXX XXXX. Payment instruments were XXXX XXXX XXXX XXXX XXXX XXXX 's checks, first thought to be XXXX money orders, since we did not have new bank account checks issued for our new accounts. Prior to XX/XX/XXXX I was unaware of my payments missing if not for XXXX 's rude staff being extremely, unprofessionally, and immaturely disrespectful to my fiancee by phone. Since then per our legally documented calls, XXXX has been unfairly rude, though less so upon me calling XXXX personally and especially after I reported said credible warranted concerns regarding missing payments and disrespectful XXXX staff. 
For context, please note that I have been an XXXX card holder for over 10 years in good standing without even XXXX late payment. Prior to current membership, I was an XXXX cardholder over over 10 years after I voluntarily cancelled my numerous accounts in XXXX prior to the American Great Recession. In footnote, I am a survivor of identity theft as my XXXX Alerts on my credit reports affirm. 
Since in good faith we made payment on time with XXXX, it is reasonable to expect as an equal human being for us to be treated with equal respect, including while we provide XXXX Bank the necessary industry standard time to research the missing payments. XXXX does not want to hear it. treating us as if we are criminals and have a chronic history of late payments or fraudulent claims with XXXX. 
We reserve the equal right to permit XXXX bank the necessary time to complete its investigation, including who cashed the payments, for it could easily be XXXX, for they are not moral saints incapable of making mistakes. Either way, XXXX promised not to charge any late fees, but they lied. Then upon question only credit the fee with the XXXX XXXX. While the XXXX XXXX is still pending a late waiver I cancelled the card without XXXX even trying to respect and preserve the professional relationship despite my incontrovertible innocence. Missing payments is not a crime. Moreover, XXXX is wrongfully demanding full payment on the account even on new XXXX card charges as if we owe XXXX of thousands of dollars. In fact the XXXX balance is {$210.00} excluding the {$27.00} late fee. And the XXXX XXXX is {$810.00}, when in fact the missing payment was only {$210.00} and change that was paid {$250.00} on XX/XX/XXXX. And the only payment due this cycle is {$450.00}, though XXXX is demanding all payment. Again, treating us as criminals. And as if XXXX has the right to disrespect us as if we are unworthy of respect and our equal humanity and rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28
Company: WELLS FARGO & COMPANY
State: AZ
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 would like to reopen case # XXXX which was a charge of {$1200.00} taken by a clinic to do a XXXX on me, XXXX failed and they called the police to force me not to come back to the clinic, so they refuse correction and they even refused to followup on the XXXX. I contacted Wells Fargo and filled complaint against them and at the end Wells Fargo as usual did not do anything and offering {$300.00} instead of investigating the theft from the clinic. I paid this clinic {$1200.00} and the XXXX failed and they called the police to force me not to come to them again, so they refused to correct or even follow up on the XXXX and Wells Fargo did nothing. The lady from Wells Fargo called me on the phone and refused to listen and was in huge hurry to hang up even though my husband tried to explain to her the documents we sent and wants to check if she received them but she completely refuse to listen to him even though I told her I am giving him the permission to talk to her but because she wants to hangup she refused to talk and this illegal because both me and my husband are on the same credit card account. Wells Fargo does not follow the credit customer protection rules which entitle the customer to get his money if the service provider did not do the service as in my case, I got XXXX certified surgeons letters stating the XXXX must be repeated and I have a police report that the clinic pressed a charge on me not to come to the clinic so they refused the followup and the XXXX correction and they sent Wells Fargo a letter saying that they did the XXXX and they scratched with black marker what was the service and guess what Wells Fargo to continue his illegal action did not ask for explanation on why they black marker the procedure and why the called the police instead XXXX offered {$300.00} so I can shut up, but as I said which is expected from this bank she was in sever hurry to hang up, also she promised a XXXX will call me and no one did, I have the information and proof about this lady from XXXX that broke all rules of credit card and called me and not listen to a single word from me or my husband.

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 2018-11-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian and XXXX   were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and 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 2020-11-13
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:
Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with XXXX XXXX I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my transunion credit report instead of 1. I tried contacting XXXX and was told I need to contact the credit reporting agencies. I tried to explain to transunion and was told I need to contact XXXX. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.

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 2018-08-28
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Flagstar Bank in XXXX, MI for an XX/XX/XXXX payment. Flagstar 's system wasn't set up to accept any payments until XX/XX/XXXX. In the meantime, they did the following : 1.  Provided conflicting information about my RESPA protection and not being subject to late fees or credit reporting for 60 days. One customer service rep said that I didn't have to make any payment for 60 days. The other said that I had to meet my regular payments 2. Starting XX/XX/XXXX, they sent me and my wife daily or twice a day robo calls to their debt services line even though I had no debt 3. Sent one letter about my RESPA protections and sent a subsequent letter saying that I would be subject to late fees and reporting to credit bureaus within 30 days. They didn't admit those were conflicting letters I called Flagstar today with my complaint and they did not resolve it.

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. 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 2018-08-28
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I cancelled my Auto Insurance Policy with XXXX and obtained XXXX as my auto insurance holder. XXXX was notified of the cancellation and indicated no charges were pending. In XX/XX/XXXX, I became aware a collection was placed in my name through the credit reporting agencies indicating a balance of {$380.00} was owed to XXXX. The collection agency is XXXX XXXX   XXXX ( XXXX ) based in XXXX, MA. I contacted XXXX on XXXX XX/XX/XXXX and spoke with a representative who indicated if I provided proof of coverage prior to XX/XX/XXXX, the charge would be removed. XXXX provided a XXXX Page indicating auto coverage began in XX/XX/XXXX. This information was passed to XXXX who replied to me via e-mail on XXXX XX/XX/XXXX that the charge was dismissed and the collection would be removed. I noted the collection was removed in XX/XX/XXXX only to return XXXX months later. I became aware the collection had returned after seeking financing on a purchase. I contacted XXXX XXXX XXXX on XXXX XX/XX/XXXX and provided copies of the e-mail correspondence with XXXX dated on XXXX and XXXX XX/XX/XXXX. Their representative indicated the information was insufficient and requested the XXXX XXXX Page. I submitted the XXXX XXXX Page on XXXX XX/XX/XXXX. It is apparent through conversation with the XXXX representatives they did not regularly check the status of this collection to see a zero balance reported by XXXX. I initiated a conference call with XXXX and XXXX on XXXX XX/XX/XXXX to resolve the issue, but the XXXX representative and the Supervisor of that representative were resistant to make changes to the account even though overwhelming evidence was directly at their fingertips and the XXXX   representative stated no pending balance was due to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It is my understanding that you are the regulatory federal agency overseeing the XXXX credit bureau 's. In that role, why has Equifax been allowed to skip out on any responsibility for the data breach XXXX. XXXX??? I paid for a freeze through XXXX and I now contacted XXXX - they want to charge {$5.00} per freeze plus {$5.00} each time you lift the freeze, etc., etc ... ... ... ... ... ... ..this is all due to the vulnerable position we have been put in because of the carelessness of Equifax. My understanding was they were instituting a remedial action or some sort of 'tool ' FREE OF CHARGE to institute a freeze and lift it AT WILL that would work for all three agencies ... ... I find instead, they did nothing and I will have to pay another charge ... ... ... why? They caused the problem - they should pay for the solution - what has your agency put in place to take care of this problem that Equifax caused. We are shopping for a car ... ... entailing credit reports - what is your position? What has your agency enforced with Equifax to remedy this situation. Please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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:
DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Credit Bureau is unable to help me remove this, CFPB please delete the accounts 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 2020-10-13
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
DISCOVERIT CREDIT CARD, I had complained to this company about the XXXX XXXX charged, I never authorize {$99.00} with phone number PH : XXXX response were : " box full '', no matter how many times I called. This is the second month this same charge showed up again and billing me again. This exact same charge was removed last month, but today I received the same company charging the exact same charge again, so I went online as their phone response directed me to go at : Discover.com. I noticed that on my online account it shows the exact same amount but on the next space it shows and it states : '' NO transaction to view ''. I then started to fill up their survey with a very bad review and then their software is messing up my notes I was typing in. Their online CHAT name XXXX started to read and started view the notes I had written, then few minutes later while I was waiting for him, the online chat disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
I have disputed inaccurate information on my consumer report since 2020 and have been told my by XXXX, XXXX, and Experian that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been done.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There should be no late payments in XXXX. Tried to talk to the Department of Education but they are not taking any phone 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 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I reported a fraudulent charge and asked for the credit card to be closed, but instead customer service closed my entire account. Now my credit age resetted and credit score dropped 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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:
DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Credit Bureau is unable to help me remove this, CFPB please delete the accounts 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 2019-05-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
InXX/XX/XXXX I got a loan for {$800.00} from Ace Cash Express and fell on hard times and was unable to pay it back immediately. XX/XX/XXXX i received a call from who identified themselves as part of the XXXX County Court Clerk stating I was being sued for an unpaid debt and that I had been served twice at an address i no longer live at. I explained that i do not live there and have not been notified. He gave me a phone number to an attorney 's office where he said I would need to speak to my attorney to resolve the issue. I called the number and asked for some information and stated I would like to verify the legitimacy since I have been scammed before and she stated that she isnt playing these games and that i need to pay 60 % today and my debt can be wiped clean and i wont have to go to court or else it will be on all background checks that are done and then hung up on me. I called the county clerk office back and spoke to a woman who looked my information up and stated that the county clerk office does not call anyone and that I did not have any open cases or judgements against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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: Account status incorrect

Complaint:
I have disputed the late payments XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed the late payments XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 explanation
Consumer complaint received 2021-08-13
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
OPTIMUM OUTCOMES have been calling my phone for over 6 months now without my consent. I do not know them nor how they got my information but that's identity theft. I have over 30 calls, which I can prove, showing how much they're calling me. I've asked them to stop calling and to remove my number from their system but it's clear they're not listening. As a consumer, they're violating my rights.

Company response to consumer: Closed with explanation