BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
Equifax : I am disputing why my credit score dropped XXXX points in XX/XX/2022 for my XXXX XXXX mortgage account upon coming out of my CARES Act Forbearance. This is unfair & detrimental to me given that my mortgage company offered me NO normal alternatives for coming out of my forbearance. Contrary to what they told me when I entered into the forbearance, they would not allow me a deferral nor a loan mod. I had to fight and escalate this matter for over ONE YEAR to get them to take the appropriate action and now my credit has suffered as a result? XXXX XXXX has known instances on record where they do not honor normal remedies for coming out of the CARES Act forbearance which has caused many of their customers to lose their homes. I am thereby requesting that this be remedied & reflected appropriately on my credit report. I do not understand why my score took such a drastic hit given that I have no late payments recorded and was able to make partial payments throughout the duration of my forbearance period. The loan mod was not under a federal government plan simply because XXXX XXXX would not allow it to be as such. The only reason the mortgage amount had increased by {$10000.00} was because XXXX XXXX wouldnt remedy the situation sooner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to a letter I received from Equifax, they were unable to locate a XXXX XXXX for me. The stated reasons were : You have not applied for credit recently. You have not actively used credit in the past 10 years, or You have not lived in the United States or have not been issued a XXXX Social Security XXXX. 

This is the second time they have been unable to locate a Credit profile for me despite identifying information being sent through this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: PREFERRED CREDIT INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a real person with federally protected consumer rights that you are required to follow under FCRA. 

XXXX Preferred Credit account is inaccurately being reported as late for the month of XX/XX/2022. I have had this account for 3 years and have never missed a payment. Information systems are not always accurate as consumer case law has proven. I am a XXXX XXXX and this inaccurate info is hurting me. Can you please improve this reporting the paid as I was paid and I have never been late. Why be so stubborn and committed to dishonoring my request for a fair reporting? I should be honored as a loyal paying client. Much larger companies have been more fair and ready to correct inaccuracies. Please be reasonable. It will be greatly appreciated. 

Please I am begging you to consider that the system can be in error and an removal of the late payment record is in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: CT
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-03-10
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inaccurate information being reported on my credit file- showing old late payments-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
Bank notified me of suspicious activity on my account Fifth Third Bank credit card. 
. XXXX charges popped up in a few minutes. XXXX were paid out before the bank stopped the transactions. and the next XXXX charges were pended and not paid. 
Fifth Third Bank, XXXX, XXXX Date of Charges - XXXX XXXX of Charges : XXXX XXXX XXXX {$640.00} Get Your Guide Operations {$260.00} Total of XXXX charges - {$900.00} I immediately called the bank on XXXX and they said yes they were fraud and made over the internet by someone who must have gotten my acct number. 
Fifth Third Bank cancelled the credit card on XXXX and said they would forward the {$900.00} charges on to the Fraud unit of Fifth Third Bank. 
I called 3 weeks later to find out the Fifth Third Bank employee did not forward to fraud unit. They again told me they would forward it to the fraud unit. 
I have called every week since XXXX. I have been on hold and passed around each time I call and told that they are behind and would get to it soon. It has been 4 months since the fraud event. I also called branch bank XXXX miles away, on XX/XX/XXXX, and got the Branch Mgr involved who said he would get it fixed. He has not gotten it fixed. They state they are behind, well, They did not pend these charges they stated were fraudulent, and Fifth Third is billing me interest each month on the {$900.00}. Every other company pends these fraudulent charges, and Fifth Third is the one that told me about the fraud charges. After XXXX  months they have not even started looking into the fraud, and they are not pending the charges on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: AMERICAN EXPRESS COMPANY
State: TX
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 own an American Express XXXX XXXX XXXX and have been a customer of American Express for over XXXX XXXX 

My credit card account is always paid in full and has been on autopay. For some reason, it was not on this month and the payment did not post immediately I was charged a {$29.00} dollars fee on XX/XX/XXXX. I did not receive any notification of the set fee. While checking my accounting two days later, I discovered the charge and immediately paid my entire balance and contacted American Express. I explained what happened and requested the fee to be refunded since I am a long-time customer and even have a significant amount of cash in their savings account. 

The response received was " you don't qualify '' as I inquired as to why I was told that there are many variables and the system just denied it. 

Needless to was this is very disappointing and difficult to accept that a company like this is not willing to provide high-quality customer service regardless of whether you have been a very long-term customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Integras Capital Recovery LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collections agency of XXXX XXXX XXXX, file sue me for the wrong debt with out presentation to the court. We never set /see to the court Hearing date, the judge is bought his judgments by XXXX XXXX XXXX XXXX there wasnt court / hearing or set the date they already made by them self, The amount/ credit reporting is incorrect When I went to the courthouse I ask when the court/hearing, they told me there no date, I write responded to judge letter counter lawsuit against the interrass Capital Recovery asking the info is incorrect credit. There no response I find out there Judgments, is there is no date and is not correct debt, the collections agency never presented to me. Since my husband is already deceased, this Collections angency shouldnt looking our personal information I didnt owned to him. He should not looking our personal information/ property without our knowledge he used his attorney powers, and abusing collections tactic I didnt owned to him. I want him to be remove his attorney license. So he can not be abuses to other. XXXX XXXX is already deceased and he still suing him. I m so stressed on this situation. Pls help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-09-10
Company: EQUIFAX, INC.
State: MA
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:
I am writing to request the immediate removal of certain information from my consumer report, which has been identified as a result of identity theft, in accordance with 15 U.S.C. 1681c-2. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report, and I believe they are inaccuracies resulting from identity theft. 

As required by law, I am enclosing the following documents to support my request : A copy of my identification ( ID ) to verify my identity. 
A copy of the Identity Theft Report issued by the Federal Trade Commission ( FTC ). 
A detailed statement specifying the information I want to be removed from my consumer report. This includes [ describe the information such as account names, account numbers, or any other relevant details ]. 

ACCOUNTS & ACCOUNTS NUMBERS XXXXXXXX XXXX  : Account Number : XXXX Date : XX/XX/2021 XXXX XXXX : Account Number : XXXX Date : XX/XX/2021 A sworn statement, under penalty of perjury, confirming that the identified transactions are not related to any transaction made by me as the consumer. 
Under 15 U.S.C. 1681c-2, I understand that you are required to block and remove this information from my consumer report within four days from the date of receipt of this notice. I expect prompt compliance with this statutory obligation. 

I kindly request that you provide me with written confirmation once the requested actions have been taken, and the information has been removed from my consumer report. 

Your prompt attention to this matter is appreciated, as it is crucial for the protection of my credit and personal information. Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-06-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo has completely frozen my business account without reason. It was a new account and I had two ach payments from customers ( my company does data storage services ). Apparently one of the ACH payments flagged something on their automated system and they froze my account, stating they were closing it on the XXXX of XX/XX/2023. 

I then had a other ach payment hit. This was already in the process by the time they froze my account and I could not cancel it from the customer. 


Now they have prolonged the freezing of the account and refuse to either lift the freeze and give me my money 's or close the account. They are purposefully delaying the closure of the account beyond what anyone would deem a reasonable time.

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 2018-11-28
Company: Ability Recovery Services, LLC
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : ABILITY RECOVERY SER Account Number : XXXX Date : XX/XX/2016 Amount : {$1700.00}

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 2023-06-09
Company: GOLDMAN SACHS BANK USA
State: FL
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:
On XX/XX/2023, I made a purchase for {$8700.00} on my Apple Card at a retail store on XXXX XXXX XXXX XXXX XXXX XXXX. The sale representative called for an approval because there is no physical number on the Apple Card. On XX/XX/XXXX, XXXX XXXX put through the charge for {$8700.00}. A pending charge for {$8700.00} dated XX/XX/XXXX and a purchase for {$8700.00} dated XX/XX/2023 both showed in my transaction history. On XX/XX/XXXX, the pending charge had not fallen off of the card, so I disputed the pending charge. On XX/XX/XXXX, I called Goldman Sachs customer service and spoke with a representative who assured me that the situation was being worked on. On XX/XX/XXXX, a member of the Goldman Sachs `` tech '' team contacted me to say that they received the complaint and the situation would be resolved. On XX/XX/XXXX, I received an email from Apple Card Support stating that my pending transaction case had been resolved because I requested to withdraw the dispute. I did not at any point request to withdraw the dispute. I contacted Goldman Sachs again on XX/XX/XXXX and spoke to a supervisor that said she would " expedite '' the situation as the pending charge should have fallen off. On XX/XX/XXXX, I received another call from a representative of the Goldman Sachs `` tech '' team that stated the problem had been pinpointed and would be resolved. Both the pending charge and the actual charge were still showing on my card, so I contacted Goldman Sachs again on XX/XX/XXXX. I was told by a supervisor that my issue would be expedited. After contacting Goldman Sachs again on XX/XX/XXXX, nothing has been done to correct the issue with my Apple card. Additionally, my card balance reflects the amount due to include the pending charge. My credit card statement shows the correct balance and does not list the pending charge of {$8700.00}, but the balance showing online and in XXXX XXXX app lists the pending charge in my current balance due. I am concerned that Goldman Sachs is charging me interest on both the pending charge and the actual charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
This is XXXX XXXX Paypal account email address is XXXX. 

I Received A Response To My PayPal Message Center Chat With A PayPal Representative On XX/XX/2021 At XXXX Saying That I Will Be Receiving A Email Around XX/XX/2021 Advising Me That I Can Withdraw My Funds. 
It's Now XX/XX/XXXX And I've Already Received The Email From PayPal Informing Me That I Could Withdraw My Funds But As I Expected PayPal Is Giving Me A Run Around Saying I Still Have To Wait 180 days. I've Already Waited 180 days, I HAVE Proof, One Is Actually Saved In My PayPal Message Center Incoming Box/ It Can Be Found As It Is Dated XX/XX/2021 At XXXX And It Was Sent By XXXX XXXX PayPal Representative. 
Also I Have The Email That I Received From Paypal Informing Me That I Could Withdraw My Funds Now. 

Even Though I Have Documented Messages Saved On PayPal 's Customer Service Message Center and A Email From PayPal, PayPal Has Told Me That I Still have to wait 180 days. PayPal Has Incorrect Information Regarding My Accounts Limitation, The Records PayPal Supposedly Saves Is A Joke. Every PayPal Representative I Talk to Tells Me Different Information About My account And Different Withdrawal Dates, PAYPAL obviously Can't Manage Their own Customer Account Data records. But PayPal Somehow Still Acts Like I'm The One Who Is Incorrect And I'm The Reason My Account Was Limited. 
The last response I received from paypal was a executive Escalations Department Representative Agreeing And Validating That A PayPal Representative Instructing Me To Create A New Account And Told Me When To try to Transfer Money, Knowing My Account Would Be Permanently Limited By Doing So. 
AGAIN The Representative Confirmed That It Was True That A PayPal Representative While On The Phone With Me, Instructed Me To Do Actions That PayPal Knowingly Knew Would As A Result Cause A Permanent Limitation. 

No Other Business Operating In The World Today Activity And Knowingly Persuades And Instructs Account Holders To Do Actions That Would Cause Said Account Holder To Have His or Her Account Locked. THIS SHOWS THE INCOMPETENTS, DISGUSTING BUSINESS ETHICS, AND FRANKLY FRAUDULENT WAYS PAYPAL OPERATES THEIR COMPANY. 
PayPal Knew The Actions They Instructed me to make would Cause my account to be permanently limited. 

PayPal should have a investigation Performed On Every Department And If An Investigation Were To Be Done On PayPal, I'm sure PayPal Would Be In Hot Water And Be in a lot of trouble. 

PayPal should be Shut down For Their Own Customer service representative Fraud And INCOMPETENTs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my credit report that I do not recognize. Also, there is numerous addresses and names or the spelling of my name that are reporting that I do not recognize as well. The only name and address that should be listed on my credit report it is the one below. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have contacted Experian, XXXX and XXXX over 10 times to have them deleted so that I have a accurate credit profile but none of the credit reporting companies have respected my rights. 

XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2023-10-13
Company: FC HoldCo LLC
State: OH
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 am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted FLAGSHIP CREDIT ACCEPT about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and FLAGSHIP CREDIT ACCEPT. If no contractual obligation exists between us then how could I legitimately owe them for any debt? 

If FLAGSHIP CREDIT ACCEPT continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see FLAGSHIP CREDIT ACCEPT 's info in identity theft report attached

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