BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: AR
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:
Hello, I contacted the Experian credit bureau through mail as well as over the phone about a particular Fraudulent creditor on my credit report. I Requested they investigate the creditor. I also requested a signed document or contract showing my signature with this particular creditor. I did not receive any proof or Documents Proving a Relationship between me and said Creditor. Instead they sent me a letter saying the investigation was complete and the credit report is reported correctly. Which this fraudulent creditor is still reporting fraudulent information on my credit report. When I spoke with a representative from the agency. She explained Experian does not have to have proof of a debt or a legally binding contract between the XXXX parties for an investigation to be completed. I told her per the FCRA, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. I then shared Some information about The Fair and Accurate Credit Act. I would like some help getting this matter resolved. Thanks in Advance, 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 2022-10-24
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2019-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 filed a dispute in my credit card from a XXXX  XXXX, the amount was for 3 different transactions, 2 charges which was completely fraud for XXXX and XXXX the other was for XXXX which the item received was damaged and the job grading was not done correctly, capital one not only did not file the charges disputes correctly but they reversed the charges on my account, I called they said that they would reverse the charges being that there was a error, and they never did. I received a letter in the mail today case number:XXXX It says that the case was resolved I called today amd the representative placed me on hold over 1 hour, company, eye silence, the phone went to a fast busy signal, I called back immediately 45 minutes later the same thing happened.the last manager I  spoke to named XXXX id is XXXX As to date this matter is not resolved, capital one is messing up the disputes,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report shows a collection from your firm, Capitol One. Furthermore, I do not feel this debt is accurate. I have the right to request and get debt validation UNDER THE FAIR DEBT COLLECTION PRACTICES ACT. As a result, you have failed to provide proper validation for this debt. Under distress I was forced to pay for this, but after settlement I discovered this is not my debt. Also, you have committed the following FDCPA Violation:15 U.S. Code? 1692d-Harassment and abuse A debt may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You are harming my reputation which is a violation by reporting a false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not receive a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), is plainly stated a that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
I pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( XXXX, XXXX and XXXX XXXX ) accounts, 2 ( XXXX and XXXX XXXX ) have been removed and 1 ( XXXX ) remained. The account was opened in XXXX for a XXXX credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.

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 2017-04-19
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a letter from TCF National Bank and a questionnaire to be completed in regard to money transferred to another bank. The amount of the funds transferred totaled {$900.00}.   They requested from me : " What is the purpose of the transactions? '' " Who are the beneficiaries/originators of the funds? '' " Provide name, physical address, DOB, occupation, and nature of your relationship for the originator/beneficiary of the above mentioned transaction. '' I called TCF to get more info and was told they wanted to get to know their customers better ( I 've been a customer since around   XXXX    ), t hey want to know where the funds went ( they transferred them to  XXXX   XXXX  at my request ). If I do n't comply, they 'll close my accounts.   Told them this is intrusive, that I 'm not doing anything illegal and that I 'm not willing to provide the information.   I was told that they have a right to obtain this information due to  the Patriot Act. This  Act was not mentioned in the letter, or the questionnaire, and was only brought up  by TCF at least 10 or 15 mi nutes into the conversation. The person had no section number or any other info regardin g the Patriot Act. TCF state d more than once to me that my accounts would be closed if I do not comply.There also was a deadline to return the completed questionnaire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Marcus by Goldman Sachs bought out the GM credit card and took over the operation of the card. Once they took over the account i have paid every month in full and NEVER carried a balance. Even though the balance has been paid in FULL before the DUE DATE Goldman Sachs has charge an interest payment every month. this was not part of my original agreement with GM card. I tried calling and resolving this two time and ws told even though i paid the balance in full an interest charge will occur every month how???? 
please call i have all documents thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
Yes I got in contact with Equifax on XXXX the XXXX 2021 about fraudulent information on my credit report the person that I spoke with in the fraud department stated that I should file a FTC report so Im uploading the documents to Cfpb so Equifax can see that I did it so they can remove all the fraudulent accounts thats on my credit report I also spoke with them about the unauthorized hard inquiries that was on my report that I didnt authorize and they told me to write a affidavit of fraud stating that I am a victim of fraud and they told me to get it notarized so I did that now I Will like to get this horrible situation taken care of which is getting these items remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: GA
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 was taking taxi from XXXX airport to the hotel on XX/XX/2023. Taxi driver card machine was not working. He asked his colleague for a different machine, which also was not working well in the beginning. So, instead of XXXX $ for a taxi ride, I was charged XXXX XXXX Obviously, it was a mistake. I didn't get the receipt from taxi driver. I called Chase bank immediately when I came to the hotel & they returned me the money. 
However, today Chase reversed the claim & charged me for XXXX $ again. I called the bank again & explained the situation. They asked for the receipt, which I never had. They said to call taxi company in XXXX XXXX I can't find their information. It's impossible for me to find the phone number for this company. 
I was told previously by Chase that they can track the transaction & take care for it. Now they are refusing to cooperate & basically I paid XXXX $ for XXXX minutes taxi ride. I was a client of Chase for many years & they are not helping at all now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: January Technologies, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received this letter through the email from XXXX whose only guess was XXXX XXXX XXXX sold them my information after the account was charged off and disputed. So not only are they calling which I consistently block them but they emailed me. If I'm not mistaken that violates about 6 or 7 of my Consumer Rights. Please help me maintain my consumer rights so that I may continue with my family in focusing on purchasing our first home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: ZIONS BANCORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
National Bank of Arizona charged my checking account {$33.00} for NSF fee for a " pending '' transaction. My account was never overdrawn as my payroll check was deposited before the item cleared my account. Even my online statement shows that my account was never overdrawn. I called the bank and they refused to reverse the NSF fee.

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 monetary relief
Consumer complaint received 2021-04-07
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:
There are XXXX accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX, XXXX. - Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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 have attached an account that was opened fraudulently in my name and I need it removed. I have created a report with the FTC and attached my drivers license and my social security card as identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The banking institution I currently have a checking account with, JP Morgan Chase, has been charging my account exuberant overdraft fees that put my account minus - {$600.00}. at one point!

I do understand that some of those fees I am responsible for but to blatantly over charge my account up to the point of over drafting it is, honestly, unprofessional to the point of shocking! In addition, to add salt to injury ( so to speak ), I have been paying these fees further straining my finances and was only resolved when I called an agent to ask for additional time to pay down my overdraft account ( - {$600.00}, it was much higher before ), unbeknownst to me that most of that was due to overdraft fees of the bank itself. 

The agent I spoke to was polite and actually reversed 29 fees at {$34.00} each! My account was - {$600.00} before I called and after the reversal of fees my account now sits at {$380.00}. How is this fair business practice when the bank was charging me {$980.00}. in fees alone!? 

Although the issue was eventually resolved and my account is now positive I still feel cheated by the bank I trusted to safeguard my money. This is not fair and, how many other instances and customers is this bank over charging their accounts and simply letting these fees accumulate to outrages amounts that solely benefits the bank itself!? 

Again, please imagine that a bank ; an institution that is designed to serve customers and safeguard their money ends up charging you {$980.00}. in overdraft fees alone. Irregardless of the fact that I didn't manage my account properly it still stands that this type of fee hiking is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I filed the tax returns ( XXXX XXXX and XXXX XXXX ) in XXXX and was tax due to both IRS and XXXX XXXX XXXX ( state of California ). The amounts were XXXX $ to IRS and XXXX $ to XXXX XXXX XXXX ( state of California ) I provided XXXX 's American Express Saving account details as the account had ample funds to pay these tax due payments. The same were deducted from the account on XXXX of XXXX ( see the attachment ). On XX/XX/XXXX American Express tried to contact to confirm the charges but XXXX was busy with work and meetings, so we called American express in the evening. We told that the transactions are genuine and they need to pay both IRS and XXXX XXXX XXXX ( state of California ). At that point American Express told me that the transactions were rejected and asked me to initiate the transactions again with both IRS and XXXX XXXX XXXX ( state of California ) ( see the attachment ). 

I went ahead and registered an account with bth IRS and XXXX XXXX XXXX ( state of California ) and payed the taxes due. The same were XX/XX/XXXX and XX/XX/XXXX ( see the attachment ).

Since the first transactions were rejected by American Express ( even though there were funds available ), both IRS and XXXX XXXX XXXX ( state of California ) charged the return fee ( IRS : {$390.00} and State of California : {$27.00} ) I asked American Express to pay for the return fee as they were the ones rejected the transactions without confirming them. But they denied to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Besides the fact that now this company charges {$5.00} each month I make my payment on line, once again when I send an escrow check to cover the shortage, my monthly amount increases and I do not know where my check goes. In XX/XX/2019 I had received a letter regarding my escrow shortage. I sent the check on XX/XX/2019 of {$300.00} to cover the shortage. On my statement dated XX/XX/2019 shows they received the check & applied to " special deposit '' instead of escrow. My XX/XX/2019 monthly payment increased regardless. Same thing happened last year and when I called the response seemed confusing. I let it go because I was going through a difficult emotional time and could not handle another stress. This time it happened again and I am not letting it go. I need to understand where the checks have been applied each year since it is not going into my escrow as it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation