BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: AMERICAN EXPRESS COMPANY
State: GA
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 started a {$1000.00} dispute with American Express back in XX/XX/XXXX, reference number ( XXXX ). The dispute was about a painting job done at my house from XXXX XXXX. The reason I tried to dispute part of the payment was that XXXX XXXX didnt do a good job, and they ignored my texts, calls, and emails when I requested them to come and fix their mistakes. I tried to dispute with AMEX, but the dispute was rejected 3 times for 3 different reasons!!! 

Ive provided AMEX all the documents and proof they needed, but they kept rejecting my dispute without trying to understand that I have received bad service. There is no consistency about how they handled the dispute since AMEX kept providing me weird reasons why they rejected my dispute. The dispute department have done a horrible job, but AMEX don't allow me to talk to anyone that works in the dispute department. AMEX also ignored my complaint on CFPB ( Complaint ID XXXX ) about how poorly they have been handling my dispute, they didn't provide any response in terms of the dispute and closed by complaint. Instead of trying to help, AMEX just delayed the whole process for more than 6 months. 

I am filing a complaint about American Express because this company has been falsely claiming on its website that they " promise to understand, respect and back our customers ''. This company is actually trying to trick its customers by saying it will protect the customers ' interest, but ended up rejecting their dispute when customers reach out, and then charge interest on the disputed amount. As a loyal customer with AMEX since XXXX, I have been very disappointed with this company, especially when they are making promises they can not keep and trick the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
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:
I am refinancing my home. I was working with both XXXX XXXX and XXXX. The XXXX ran my credit without my consent. I only found out when this ended up on my credit report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, my car was broken into and my wallet stolen. I received a fraudulent text from Truist bank and replied NO to NOT authorize the transaction. Yet there were nearly XXXX $ of transactions that were attempted between my business and personal cards. Some transactions were denied on my personal account, but my business account was heavily used. There was a gas station amount for XXXX and a XXXX transaction for XXXX that were allowed to go through. After filing a claim with the bank ( XXXX hrs after the crime was done ) I then contacted the XXXX XXXX ( XXXX XXXX police department and filed a report with them. The police have the suspect and WILL be pressing charges. Yet Truist bank sent me a letter saying my claim was denied and I authorized the transactions. I did no such thing, and they found the person who broke into my car and took my wallet. I am dumbfounded how the police has the perpetrator yet the bank is denying the charge. How is that even possible? I was at home sleeping and have ring camera footage that I was home during the transaction period and the police have footage of the suspect in the merchants using my card UNAUTHORIZED.

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 2017-05-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : two addre sses in Louisiana not mine.     Though a  XXXX   XXXX  (  XXXX   ) a t  XXXX   Fraud Management Dept inf ormed me in   XXXX   XXXX   that I am not responsible for a fraudulent purchase at a  XXXX  store in Louisiana,  two Louis iana addresses are now on my consumer credit files. I have never lived nor worked in Louisiana. I have been an Illinois resident since   XXXX  .     Both Louisiana addresses should be deleted from my consumer credit files. They are :  XXXX   XXXX   XXXX ,  XXXX   XXXX , LA  XXXX   XXXX   XXXX   XXXX ,  XXXX , LA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: GA
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

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 2019-12-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2023-04-01
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I went online to look for a rental car and I found somewhere he said his name was XXXX XXXX the phone number was XXXX he said American Express cards had a special with his company at 50 % off per day but it expired that day I said that I didn't have one he said I could go buy a prepaid card I gave him the information and my card got charged {$240.00} on one transaction at XXXX {$0.00} at another transaction to XXXX and {$45.00} at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my inheritance check from grandparents death on XXXX into my Capital One checking account. 
The funds were withdrawn from Chase on the XXXX. 
I got returned payment notices on the XXXX, called Capitalone, & XXXX they lied, & said XXXX would not release funds ... .then they finally told me that a supervisor, who they would not name, put a hold on my check until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: NY
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 DON'T HAVE XXXX XXXX FOR THE PAST 10 YEARS!!! ON XX/XX/XXXX  EXPERIAN FILED AGAIN A FRAUDULENT COLLECTION FOR {$380.00} ON BEHALF OF XXXX AND AGAIN DECREASED MY CREDIT SCORS BY XXXX POINTS : FROM XXXX TO XXXX. 

MY CREDIT REPORT AND PAYMENTS WITH XXXX AND XXXX IS ALWAYS EXEPTIONAL! IN THE LAST 3 YEARS EXPERIAN PLACED 4 TIMES ON MY REPORT A FRAUDULENT COLLECTION FROM 4 COLLECTION COMPANIES ON BEHALF OF XXXX FOR THE SAME AMOUNT : {$380.00} S. EXPERIAN DECREASED AGAIN MY SCORS BY XXXX POINTS EACH TIME, FROM XXXX POINTS TO XXXX POINTS. 
THIS IS A REVENGE BY EXPERIAN : 1 ) I REFUSED TO SIGN UP FOR THEIR " MEET EXPERIAN XXXX XXXX '' TO PAY THE XXXX THE FRAUDULENT {$380.00}. AND 2 ) IN THE LAST 3 YEARS I REFUSED TO FILE A REVIEW- TO RATE EXPERIAN EMPLOYEES ' HELP - THEIR EMPLOYEES ACTED WITH REVENGE. 

I FILED A NEW DISPUTE # XXXX WITH EXPERIAN FOR THE SAME ISSUE {$380.00} XXXX COLLECTION. DESPUTE-REPORT # XXXX DATED XX/XX/. I MAY NOT HAVE A CHOICE BUT TO SUE EXPERIAN.

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 2019-12-30
Company: UMB FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir or Madam : I am writing to complain about UMB Bank and their unsatisfactory and unprofessional customer service regarding the delayed rollover of my Health Savings Account ( HSA ) totaling approximately {$4500.00}. I began the rollover process in early XXXX around the XXXX, but it has yet to occur. I have repeatedly called their customer service phone number and mailed them numerous forms to get my HSA rollover to process. Unfortunately, they have never completed this rollover despite my best attempts to provide them with each form that they mailed to me and I completed and mailed back to them. UMB has given me no less than four different forms to complete this process. Today, XX/XX/XXXX, I once again contacted their customer service and was told that the rollover can't occur without yet another form. UMB has not been transparent during this process and has never reached back out to me to help facilitate the rollover process whenever a new form was needed. Each time, I have had to call them after numerous weeks of no contact from UMB during the rollover process. Thank you in advance for your help to investigate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I open a dispute with Experian after I had my chapter XXXX public records remove from XXXX XXXX report every time i dispute Experian say the information has been verified on XX/XX/2022 i reached out to Experian because i got a alert that says dispute was completed. I call and talk to a dispute rep and they verified that the information showed it was correct i sent in a report from XXXX XXXX showing the accounts was removed and Experian verified that from the document i sent over Experian has violated my fair credit rights because they refused to remove the public record that was report by 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 2018-01-08
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/17 I transferred {$21000.00} to Coinbase Inc to be deposited in my account. I received an automated response that it would be delayed by 2-4 days. My account has still not been credited for the amount after 12 business days. I submitted 2 support tickets, and reached out to other representatives and still have not heard anything back. 
Coinbase support ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$100.00} Amex gift card. I have used it 3 times for the amounts of : {$39.00} on XX/XX/2023 {$15.00} on XX/XX/2023 {$26.00} on XX/XX/2023 This leaves {$18.00} on the card that I have been unable to use. Amex says the card is on hold, but when I call their number there is no recourse to activate it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: GA
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:
My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. 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 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 

I also have a Ftc Report and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery associates claim I owe an old auto debt for which I called for a voluntary repossession to its original creditor who goes by the name of XXXX XXXX XXXX. At that time I lost my job and couldnt pay for the car. Unbeknownst to portfolio recovery associates, XXXX XXXX XXXX has already made their money back through an auction. I know this to be true because XXXX XXXX XXXX sent me the bill of sale. So if they got their money back, why would XXXX XXXX XXXX get a third party to pay them extra money that they already received from the auction? According to my attorney, since the repossession happened roughy 15 years ago, under the statutes of limitations, portfolio recovery associates are not legally able to sue me after 4 years after the repossession happened. Besides, even if they could sue me, I dont make enough money to pay them because I only make {$600.00} a month through my pension and Im struggling as it is to take care of my elderly mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am conservator of XXXX XXXX estate per the signedloan dated XX/XX/02, I am also trustee to her accounts far before Wells Fargo Wealth Managment and wells Fargo removed a total of XXXX and XXXX disappeared and they will not give me access to these accounts because they are guilty of imbessaling XXXX from a XXXX woman who could not read statements but relied on wells Fargo wealth management to do just that manage he ; f ; wealth without stealing half of i. There are so many accounts one printout shows 14 accounts and 10 active Brokerage, Buisness, 4 open PMA accounts, high yield savings, annuitys, life insurance policy, the trust had XXXX and came back to us at XXXX want forensic acco ; it's. Why would a bank have 11 open accounts for a woman who has lots of money and XXXX. Perfect victim, every notice on the back of statement stating if you don't notice what we stole in 30 days then we assume your ok with it do not apply to the 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 2017-07-29
Company: Bread Financial Holdings, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
See attached series of emails sent to   XXXX   XXXX    customer service. I purchased a diamond ring from   XXXX   XXXX   in  XXXX  and was promised on the day of purchase a 8.9 % money back within 30 to 50 days. I was later told by  XXXX  's customer service that the payback period is 90 days. It has now been 148 days and I am now out of pocket over {$600.00}. This is fraudulent promises. My internet research shows that I am not the only one with this complaint. I realize that the initial promise was made in  XXXX  and may be out of the US jurisdiction, but I have hopes that a complaint can be generated since  XXXX  home office is in New York. Their address is   XXXX   XXXX   XXXX   XXXX    XXXX , NY  XXXX . I also realize that the money back program is a  XXXX  government program. But,   XXXX   XXXX   is surely well aware of the problems with this program while making false promises to US citizens in order to make a sale. I have also attempted to contact   XXXX   XXXX   XXXX   as they are the ones who vouched for   XXXX   XXXX   as a reputable company prior to me making the purchase.  XXXX  has been non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: DISCOVER BANK
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Written correspondence received on XX/XX/19 and they followed up with a phone call to me personally and also contacted a family member and disclosed confidential and personal information regarding the debt owed. Spouse passed away on XX/XX/19 and held a Discover card. When I contacted Discover about the death I was told by them that I am not personally liable for this debt and if there was an estate the estate would be liable. I told Discover there was no estate. Discover has given this account to a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX # XXXX. They called a family member and disclosed confidential and personal information about the debt. This company said they found the information about the family member from the internet. How did they know who they were talking to -to disclose this information. This company could of verified that there was no probate proceeding by contacting the XXXX XXXX in the county where the decedent lived. They were asking even what the decedent had for vehicles. If they were told there was no estate that should take care of the account. It was embarrassing to have the family member contact me and disclose what personal and confidential information they related to the family member. If there was no estate why harass the family trying to collect this debt from persons not financially liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We have a debt collector on behalf of Citi Bank repeatedly calling in reference to a credit card debt that was discharged in BK. 

We have, now on three separate occasions over the last year and a half called them and explained this was discharged. 

They continue to call me. They have also started calling my wife at her work place asking for me. My wife is not on this debt. The collection rep was also indignant and mildly vulgar when my wife told him she was not me.

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