BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: NY
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 have contacted XXXX Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now XXXX  Card again posted all the charges back to my account for transactions listed below. 
XXXX resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The XXXX resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX  XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX  MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX  MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG   PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX   XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX   XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX XXXX. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to XXXX since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX OLD XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a hospital bill before due date. Weeks later I received letter from a collection agency saying I owed the same debt so I contacted the hospital system with my receipt and they assured me that it would be worked out because the account was labeled " paid in full '' and subsequently closed. Later the collection agency called me to collect the same debt so I contacted the hospital again and they reassured me that it would be taken care of and would contact the collection agency to stop attempting to collect the debt. Later I was notified the the debt had impacted my credit so I contact the hospital again and they have located the payment and would investigate why the paid bill was still sent to collections. I noticed my credit had recently dropped significantly because the debt so I inquired about the investigation and the hospital representative said they have noted to investigate the payment, not the collection and recommended I come in with the receipt to help clear up the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
First, please see complain # XXXX -- XXXX, to which company replied with an unsatisfactory letter, dated XXXX XXXX, and refused to provide requested interest rate information and on how a refund on one account ( XXXX ) was calculated and what the calculation was on another account ( XXXX ), for which no refund was offered. 

Without the requested info, customers and maybe even the CFPB, are not able to determine if company responded properly.

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 2020-05-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I use paypal for 6 year and all is normal on my account i use to recive and withdraw money to XXXX bank account .A ploblem happen last year XX/XX/2019 i got some little sale for 2 tranaction this sell is from i sell image online my hobbie sell i do this first time and i conversation to buyer through email and i accept paypal as it easy to recive money after i recive money for 2 tranaction i got account limit and paypal ask me what is this sale from i say to paypal this image sale for 2 tranaction they need proof conversation i send to them and after got my proof they limit me and say wait 180 day to withdraw my money but i refund buyer already. .And they say my account limit cause i do gambling and nutcracker and after that i wait about half year before 180 day i see 176 day paypal take all my money and say i m do damage to paypal i lose all money to paypal cause i recive wrong type payment if buyer send money to me by friend or household it not a ploblem it ploblem cause it send money to me by buyer or service this wrong and very gone wrong .I see this it a trap i reciver dont know and press recive and not have track or website he? she lose money for free paypal will limit and take all money in hold cause by this it gone wrong paypal dont care they make a trap they not help user i m tell all what is it from my sale but they anser like bot we decision is final not clarify and not have a proof for i do gambling .i send message and inbox to them but got response like bot and cant help .I see paypal is a trap if user accept service or some little sale and have all conversation but they decline this is a way paypal take user money i dont know how to do cause in XXXX paypal office was gone in last year they gather office XXXX  to XXXX i need help me i m not usa XXXX  but paypal cant do this with other user around the world .i lose XXXX free from my hard work collect i need someone help me to got my hardwork money back i dont like to lose free this money to some bad employee paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. Although there has been a little improvement, I still haven't received this via dispute response from any of the bureaus. As of today I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call this morning on my land line that I let roll over to my voice mail on my answering machine because I didn't recognize the number. The number showing was from XXXX, VA : XXXX. She said the call was from Transworld Systems , Inc., a debt collector company. She said to call XXXX XXXX (? XXXX XXXX at XXXX and gave me a code number to use : XXXX. Since then she is trying to reach me on my cell phone. I believe this is a scam, I am elderly and have no outstanding debts and have never had any. Can you very that this is a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: AES/PHEAA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cojnbase has stolen money from me, I have converted ethrum currency via their app and stored it in their wallet on XX/XX/2020. 

However that amount is missing from my wallet, I have sent 3 written complaint to the company and have just received their automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Contacted Bank of America customer care on XX/XX/20, after discovering link to bill pay tab was down as I wanted to cancel a scheduled check that was still in process. 

When I inquired on why the full site and mobile apps for bill pay self service were down, staff handed off to three separate agents before landing with the last ( XXXX ) who read me a disclosure agreement after stopping payment on the bill pay check I could not cancel online because system feature was omitted. I challenged agent asking for escalation to a manager, as bill pay featured user options were modified by the bank to force users to utilize stop pymt to void a schedule check, rather than self canceling via self service. Agent claims my issue was being escalated, but could not provide an estimate in resolve for restoration on websites bill pay check cancellation feature. 

Today, XX/XX/20, I learned Bank of America reported my new bank card information to an online merchant without my consent and debited two current and two past paid in full installment purchases without my consent. I believe this back acted negligently by sharing confidential info to a third party without my expressed verbal or written consent. As a long standing 30 year customer of this bank I am outraged at the level of negligence in securing customer sensitive information. I am well versed in managing my financial affairs and require no assistance from BOA to facilitate funds to parties I solely have contractual agreements with, and strongly feel this bank has overstepped its bounds and also compromised my account by relaying new card information I had just activated. Please launch an investigation into these matters as soon as possible as this bank needs to be held accountable for the egregious, and self-serving revenue customer, arm twisting practices they are conducting. 

Thanks

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 2020-01-28
Company: JPMORGAN CHASE & CO.
State: IL
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 sick on XX/XX/XXXX and never left my house for 5 days when I saw MANY false charges on chase i knew they were false and called right away charges totaled XXXX and chase denied the claims for no good reason someone stole my credit card, chase said that because this person knew my pin number that chase has NO liability they changed the rules of my account and were somehow allowed to take out XXXX in one day from ATMs when my limit is XXXX my chase debit card was noticed stolen on or around XX/XX/XXXX I called right away they reversed the charges temporaily and have since denied ALL of my claims XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay them, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter. And if you are unable to do so, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. Please forward an updated credit report after you have completed your investigation and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citi checking and savings account on XX/XX/XXXX directly from their website. They were advertising a {$400.00} bonus if {$15000.00} was deposited and held between both the checking and savings account for 60 days. I deposited {$15000.00} to my checking account and {$25.00} to my savings on XX/XX/XXXX and held it there until XX/XX/XXXX. The terms stated 60 days that the funds had to be there. I kept it there for over 100 days. 

After the 60 days passed, I heard nothing. I reached out to Citi and chatted with several agents who promised that my {$400.00} bonus would post on XX/XX/XXXX. After not receiving it, they said XX/XX/XXXX. After not receiving it again, they said they would open a dispute and would hear back within 5 days. 

Fast forwarded to today XX/XX/XXXX after not hearing anything. I chatted again and they said that I was not eligible for the promotion. I signed up for it directly on the Citi website, and even took screenshots of it showing the {$400.00} bonus as proof. 

This is false and blatant advertising in an attempt to lure consumers in for false promises. This is highly illegal and should not be allowed.

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 2020-09-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have  got into the hands of the wrong person.

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 2020-09-18
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX Balance Owed : {$150.00} - I am a victim of identity theft and this is not mine. 

XXXX  XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was cause by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XXXX  XXXX, 2019, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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:
checking my credit file ive noticed alot of invalid data I am intrested in disputing all incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
in XX/XX/2020 I pulled my credit report and my XXXX XXXX in hope of purchasing a new home to find out someone has opened accounts in my name with out my authorization I contacted them but they refused to remove this fraudulent erroneous item from my report. below I will attach proof that I was a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck

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