BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2019-09-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, XXXX XXXX XXXX placed a collection on my credit report. When I contacted them on 3 different occasions requesting debt validation, they advised me that they were in fact a lawyer. The person who answered the phone took my name and email address stating she would have her manager contact me back about this debt. Not one time did they return my call or send information like I was advised. So I filed a complaint with all three credit Bureaus, providing them all of the evidence that I do not owe the debt. Then I filed a complaint with the BBB against XXXX XXXX XXXX since I could not get a reply. XXXX XXXX XXXX replied to the complaint stating this account is no longer with our company, please contact the XXXX XXXX XXXX  XXXX XXXX. I responded to their response saying I did not accept their response because I wanted to know why my account had been placed with someone else. They responded again stating basically the same thing, for me to contact XXXX XXXX XXXX XXXX XXXX. So they refuse to validate the debt, then also refuse to even give an explanation as to why it was sent to another attorney. They claimed to be a lawyer so why are they sending it to another attorney? During this time, XXXX sent me a letter stating that the account I was disputing was no longer on my account. So I had in fact won the dispute. My next step was contacting XXXX XXXX XXXX XXXX XXXX. I emailed them all of the proof on XX/XX/XXXX, showing them I do not owe this debt, then on the XXXX of XXXX National Credit Systems placed this back on my Credit again. Im still waiting to hear back from XXXX XXXX XXXX  XXXX XXXX, but they have not moved forward since I sent them the proof. There are many complaints of both of these companies online, and XXXX XXXX XXXX has actually been sued successfully for unethical practices. If this company no longer has my account then why are they continuing to place false information on my credit. Companies like this need to be stopped. I have Retained legal counsel and in the process of filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Account XXXX XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. 

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated 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 2019-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 had 2 transactions that I made during the XXXX Holidays and I didn't receive the items. I made a dispute with XXXX XXXX and they never contacted me personally to inform me of a decision being made before denying both disputes and charging me for items they originally credited, pending dispute! I refuse to pay for items that I didn't get! They have charged the money back to me stating that the merchants say the merchandise was delivered to my front porch ( no signature ) and that was enough information to deny the claim. They stated that I need additional information stating that I want them to continue the dispute process through XXXX-but NOT once did they send a letter explaining this process and inform me of this. I didn't find out that my card had actually been re-charged for these purchases until I attempted to use my card and my card was declined. The representative that I spoke with this evening stated that they tried to call me ( there were NO messages left from this company ) which I find hard to believe. I never received this merchandise and refuse to be charged for items I never received! I never received a letter a phone call or message stating that they needed additional documentation to continue to pursue this case! If I had not called in after a purchase is declined, I would have never known- this is ridiculous! I want my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have a XXXX  checking student account with Regions Bank, and I have been charged {$10.00} a month even though I am under the age of 25. These monthly charges began in XXXX XX/XX/2019 and was resolved today. However, I would like a full refund on the money that was charged. I was told I could only be refunded {$30.00}, but I was charged {$180.00} in total. 
I did not know I was being wrongfully charged until a regions employee called me saying I was being wrongfully charged. The reason for this is because I emailed the company and they said I was being charged correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
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:
XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF ED/XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX XXXX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX Equifax is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX NC XXXX XXXX XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX XXXX DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPT. OF EDUCATIO - XXXX US DEPT. OF  EDUCATIO - XXXX US DEPT. OF EDUCATIO - 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 2021-01-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed an inaccurate address on my Experian credit report 6 times with them. They still have not removed the address from my report and have not provided me with a reason why or proof that they have made an investigation. They continue to ignore my requests with no reason provided to me. My identity has been stolen in the past and I have sent them a police report. I want this inaccurate, false, erroneous, invalid, unfair, unduly information removed from my report immediately.

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 2023-11-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
I do not know why I have so many inquiries - I DID not authorize all of these please remove these inquiries from my credit report i have custody of my XXXX XXXX  and i am desperately trying to buy a home

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 2017-10-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
A hold was put on my cashier 's check and when i called the local Wells Fargo branch I spoke with the branch manager XXXX. XXXX manipulated government regulation and made it sound like she was giving me {$5000.00} of a cashier 's check as a courtesy. When actual regulation requires the bank to give me the XXXX  dollars. Needless to say I feel like I was misled by what actual Federal Regulation is.

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 2023-10-04
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen on Friday XX/XX/XXXX around XXXX. Saturday when I woke up I noticed on my banks transactions that {$970.00} was sent to a XXXX name that I have no knowledge of. I then called my bank to put in a dispute and I was told that I would receive a temporary credit by Wednesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-12-15
Company: GOLDMAN SACHS BANK USA
State: TN
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:
XXXX XXXX online request for refund system is not validating the ticket number leaving my only recourse as this option. 

It looks like instead of canceling the return portion of my flight, the entire flight was canceled and then reissued, causing it to become non-refundable. 
The new receipt explicitly lists that its a nonrefundable airfare. 
The agent was able to do after getting assistance from the ticketing department because of an error code in the system that was showing a {$3300.00} change which didnt make sense but was corrected. 

However, instead of getting refunded, the agent alerted me that it would be travel credit. I asked why it would be travel credit on a return flight that was booked at first-class rate, not upgraded, and the agent replied that it was booked as a non-refundable ticket. I was told this after the ticket was re-issued. After the exchange was done in the system. 

Filed dispute with my credit card Apple/Goldman and its been over 30 days with no resolution. In fact, Apple/Goldman just sent me an email for more information. When I filed my claim I submitted a detailed XXXX page report of the entire transaction and interaction with XXXX XXXX representatives. If I had used XXXX XXXX this issuse would have been resolved in days, not weeks. I am not confident that my credit card issuer is looking out for me, their customer and instead going to find an avenue to side with the merchant ( XXXX XXXX ) when I have provided more than enough proof for the dispute to have been researched and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my credit record, I have identified several closed accounts that should not be included. This dispute letter serves to bring to your attention the violation of consumer protection laws and request the immediate removal of these accounts from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-25
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was defrauded by an online scam posing as selling a XXXX tractor. They had a website XXXX I lost {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit because of my Experian credit score and the score in the notice showed it was more than XXXX points less than my other two scores. I went to Experian and tried to log into my account. I couldnt remember my user name so I selected Forgot user name. It took me to a screen to enter my birthday and social security number. When I did it said they didnt match. Theres no reason they wouldnt matchI double and triple checked. So, I then tried to create a new account ( I tried about ten times over two days ) and I kept getting an error and the message said Please try again later. 

After all that I tried to call them to tell them I couldnt access my information. All I got was a recording saying they can only put me through to an agent under a very few circumstances. I tried everything I could think of with the automated system. I said Fraud, and a few other similar terms to try to get an agent and it would not connect me to anyone. I also could not find an email address. 

This is causing me tremendous stress. I should be able to talk to this company, especially if theres a big problem with my report and suspected fraud. However, there is no way to speak to a human about fraud or helping me to create an account there. This is an organization thats had a data breach and if they are going to give out this kind of information, they should be available to speak to consumers. I have no way to fix this issue so Im appealing to you to see if I can get some help. 

I have attached the error I keep getting when trying to open an account. 

Thanks, 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 2023-12-09
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Sub-product: Store credit 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/XXXX I was double billed XXXX, or billed twice. I spoke with XXXX XXXX id # XXXX ) who said she could not remove the charge off of my account for at least 60 days. She explained that was the amount of time it took to dispute the charge. 

I did on XX/XX/XXXX purchase a shed from Lowes, but I did not want to be doubled billed for the cost. And it is not fair to me that this amount sats on my credit. They are sloppy. I want this credited back to the account as quickly as possible.

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