BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 sent a billing error dispute through US Postal Certified mail on XX/XX/2021. The customer service team confirmed that they received my I have called several times for an update on this resolution and they have not sent any correspondence through the mail acknowledging that they are still working on this matter. It has now been 3 billing cycles ( 94 days ). I am now demanding that the late payments AMEX submitted to the CRAs be removed for the months of XXXX and XX/XX/2021 as AMEX went against their own terms and tried to collect on a disputed amount and reported negative activity to the CRAs. I am also demanding a lawful refund of all payments made toward the disputed amount in the total of {$3400.00} as AMEX received my dispute and chose to not respond to my dispute. Pursuant to federal law, CFR XXXX ( f ), AMEX did not resolve this dispute nor send an explanation or provide documentary evidence as requested in the debt validation letter sent on XX/XX/2021 as well. Therefore I am demanding the remedies set forth in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Bankruptcy on my credit inquiries close account. I have a fraud alert on my file but the still is not working. I have ask for validation is never done. All I get is variation from the Credit report agencies. These is my second time reading to you guys asking for help nothing have been done I need these credit agencies to validate or remove these information thats not mine out of my personal 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 explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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

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 2023-06-30
Company: EQUIFAX, INC.
State: NC
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 reached out to XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 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 a account without my written instructions. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: HCFS Healthcare Financial Services of TeamHealth
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY ARS ACCOUNT RESOLUTION TO XXXX FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER 10 YRS NOW. ARS KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. ARS HAS JUST FLAGGED MY ACCOUNT WITH XXXX THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? ARS HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE ARS OLD CHARGES RE-APPEARING AS NEW

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: VA
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:
Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 : Also, states a consumer reporting agency can not furnish a account without written instructions.

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 2020-01-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, 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`m not sure about exact dates unfortunately but I have tried to contact Equifax many times about this problem. I tried to get a home loan about a year ago, the bank associate printed out my credit report and explained to me that there was an error on my credit report and I couldn't complete the loan without the credit number. 

I then tried to contact Equifax directly and explain the problem, they never once explained to me what was wrong with my credit score and or how to solve it. They would tell me to submit proof of documentation never explaining why they needed it. Then would tell me that it would take about 30 business days to verify it and they would then send me a letter. They sent me a letter that they received it and then that they needed to review the documents. I waited for many weeks in between each interaction and they would just ask for the same documents or and then the other credit reports from XXXX and XXXX and still never explained anything. I`m not sure what to do I'm not sure what is wrong with my credit report and they will tell me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent communication to XXXX, XXXX, and XXXX  credit reporting agencies with a dispute about an item that I did not recognize and had never entered into any agreement with. After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it, I was then told that it was verified. Soon after, I received a letter in the mail from Portfolio Recovery Associates, LLC  stating that I somehow owe them money on a XXXX XXXX  account I had. They showed me old statements that I had with XXXX XXXXXXXX, but I never received a single document stating or showing that I entered into an agreement with Portfolio Recovery Associates, LLC, even after asking for proof. 

After numerous illicit calls from them, I found out that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed upon not being able to verify it, my request just came back verified and was not removed. As I stated earlier, I have never spoken to, dealt with, or entered into any agreement with Portfolio Recovery Associates, LLC. They are illegally trying to collect money from me, and they are hurting my credit and my livelihood by reporting this illegally on my credit report. I do not want to sue anyone but I also take this seriously, and breaking the law to harm me financially is something that I do not take lightly. 

According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new Wells Fargo CC with promotional 0 % interest rate for 18 months. Part of the package I received was a check that could be used to do a balance transfer, which was also at the rate of 0 %, however, after using the check, Wells Fargo is charging me {$150.00} fee for making a balance transfer. While i was explained that they apparently charge a fee for balance transfers, that FEE was NOWHERE disclosed around the check that used. Had I known there was a FEE to transfer balance, I would have NEVER used that check. When I called the customer service, they told me the letters and verbiage that spells out the fee is in the same location where the check is and in the SAME letter size as the other stuff. This is a total LIE. Typical bait and switch practices. 
Please stay away from Well Fargo and watch out if you HAVE to go with them. 
Their UNFAIR business practices should be looked into.

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 2018-02-11
Company: Snow and Sauerteig LLP
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This complaint is regarding Snow and Sauerteig LLP. Not only are they calling me sometimes 5 or 6 times a day, but are now taking money from my business account which is a registered LLC account. 

This is for a debt for a medical test done once I found out I had XXXX XXXX XXXX XXXX. I am a veteran and there was confusion as to where I was supposed to have this test done. I have told this company repeatedly that I am on XXXX and a fixed income and can not pay this debt at this time. I have been deemed unable to pay by the IRS! 

Now this company is taking money from my account that I never agreed to! Not to mention the repeated calls. I will be putting a stop to the payments taken from my account but my fear is they will just find a way to continue to take money. I can not afford this, at this time. If my situation changes with my health I will pay the bill when I start back to work. 

They just took a withdrawal from my account for {$20.00} in XX/XX/XXXX and another in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They charging me for a mortgage thats already paid for thought my trust account. I signed paperwork with XXXX XXXX  not with a 3rd party debt collection company name thats on my credit is XXXX  I never signed with them.. They dont have the original documents.

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 2022-10-07
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone has stolen my identity/information and is using it everywhere for various nefarious purposes. There were fraudulent charges on my credit cards that chase temporarily removed, then reapplied to the account. I reported the fraud as soon as it was discovered, but they put it back on less than a month later. My information is being abused, and chase refuses to do anything about it. I need these fraud charges removed from my account immediately. I have reported this to the police. 

XX/XX/2022 - {$1800.00} XX/XX/2022 - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I paid XXXX XXXX  to remove this from my account it's still showing me all the way back from XX/XX/XXXX! I paid sometime in XXXX in XXXX to 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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I charged {$80.00} on XX/XX/23 at XXXX for groceries on my Capital One Quicksilver credit card. I used my Capital One checking account XXXX XXXX XXXX to pay the {$80.00}, and {$80.00} was deducted from my checking account. The payment had not registered on my credit card by XX/XX/23, so I called Capital One to find out why. They started an investigation, meanwhile crediting my credit card with the {$80.00} payment subject to their investigation. On XX/XX/23, the bank informed me that the payment had been processed correctly and my claim was denied. They then took back the {$80.00} credit that has been temporarily issued to my credit card. The {$80.00} payment made through the XXXX XXXX XXXX never showed up on my credit card, but WAS subtracted from my checking account. The bank refuses to accept any responsibility for where my {$80.00} went, instead bouncing it back and forth between the credit card division and the checking account division with no resolution for me. I want an admission from the bank that they made a mistake and the {$80.00} refunded to my checking account. They stole this money and they refuse to do anything to fix the problem. One more thing : I got one of their XXXX  to get the bank to credit another {$80.00} to my credit card. This action still leaves me vulnerable to their whim regarding taking back that credit. They can have that {$80.00} back as soon as I am refunded the {$80.00} to my checking account where they can no longer access it. And banks wonder why we do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: IN
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My business account has been a victim of bank fraud, and check fraud. The first fraudulent check is from XX/XX/XXXX in the amount of {$35000.00}. {$17000.00} in XX/XX/XXXX. {$700.00} in XX/XX/XXXX. {$5100.00} in XX/XX/XXXX. {$600.00} in XX/XX/XXXX {$48000.00} in XX/XX/XXXX. This fraudulent checks have been computerized made, issued without my consent, without my signature, without any waterMark check safety measures. My financial institution has allowed this check transactions to keep posting. I had advised my bank PNC to not allow computerized checks to be processed since I do not use computerized checks for my business operations. PNC bank, advised me to change account numbers, but I can not afford to do that since my business has many transactions on a daily basis, and I have my account number associated with several merchants, lenders, suppliers, customers. I have been doing business with PNC/ BBVA for over 7 years, but I no longer feel safe doing business with PNC formerly BBVA . As a solution to revolve this very serious matter, I would like my financial institution PNC to investigate this serious matter. I would also prefer for authorities to step and get to the bottom of this very serious matter since its affecting my business operations drastically.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To remove items from my transunion 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 explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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

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