BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: SC
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 : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2017-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXXI wired {$400.00} from Bank of America to my XXXX XXXX account at XXXX XXXX. When the money did not appear in my account I inquired with Bank of America, Options House ( now apparently part of XXXX ), and with XXXX.
At Bank of America I called every phone number associated with my account, and for hours was transferred to phone menu after phone menu by customer service reps and the automated phone system. Today I went to a branch where the banker experienced the same run around, and could not locate my funds.
When I contacted XXXX XXXX I was informed that the XXXX XXXX account they have been using for years was closed. and that the wire would be rejected. After a week it has not been returned to my account. I had a similar set of conversations with XXXX.
Still no money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several complaints about this company LVNV Funding or Resurgent Capitol Services for a {$1000.00} debt that they keep attempting to collect without providing proper validation materials that I have requested.

For the 3rd time, I have sent a certified mail piece requesting the debt be validated with proof of I am the person they are attempting to collect from. The failed to respond within the 30 days provided from the date of receipt of the certified mail piece, HOWEVER, they continue to report the debt on all three credit bureau? Isn't that against the FDCP law?

I have my certified mail pieces with signed USPS certified return receipts. They are still after 2 complaints reporting this debt, causing me to be denied housing and loans. Now even after going thru the mailbox, written, 30 day validation process, they STILL HAVE NOT produced any of the documents requested or validation. The credit reporting companies prey on XXXX people like this daily. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KY
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:
In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with Equifax, XXXX, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/21 I was approved for a Goldman Sachs Apple MasterCard. On XX/XX/21 I used the cards Iphone apple-pay feature at XXXX/XXXX  for a gasoline purchase at the pump. The charge for {$66.00} appeared on my account and then later it disappeared. I called Goldman Sachs Bank to inquire why and was told it must not have processed properly an that it was up to me if I chased down the merchant to get it corrected. I pointed out this is not fair. The issue is the apple pay feature and I got my {$66.00} in gas so the merchant should get paid. The customer service rep said it isn't their problem and it happens all the time. So Goldman Sachs and Apple are cheating merchants and doing this at a time when these merchants can't afford to be cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Chime Financial Inc
State: PA
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:
On XXXX XXXX my Chime checking account was fraudulently charged {$180.00}. The transaction was listed as having been placed by " XXXX XXXX XXXX ''. I researched the company who placed the transaction against my account and found it they are engaged in massive fraud. Having XXXX  them I found thousands of posts and articles about this company and other names they have been operating under when fraudulently withdrawing money from people 's accounts. 

I contacted Chime providing them all the details on the transaction. Stated I did not engage in any financial transactions with XXXX XXXX XXXX  and never authorized any transactions by XXXX XXXX XXXX. 3 weeks passed and I emailed Chime support for an update. I received a automated reply. I replied to the automated reply and within 2 hours received a notice that they had closed my dispute claim and determined the transaction not to be fraudulent.

I appealed and provided more details on the company and digital printout of various articles detailing the fraud XXXX XXXX XXXX  ( AKA XXXX XXXX XXXX XXXX ) was engaged in. Another 3 weeks passed with no response. I contacted Chime support AGAIN requesting an update to which they replied back in less than 5 minutes that my appeal had be closed and they found no fraud. I have requested their documentation and evidence supporting their finding. I have yet to receive a reply much less copies of the evidence they claim to have based their decision on. 

I have run out of options where Chime is concerned. After searching for help through XXXX I found that filing a claim with your offices is my best course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I CONTACTED XXXX XXXX XXXX NUMEROUS TIMES VIA MAIL, EMAIL AND BY PHONE ; I ALSO CONTACTED HER VIA SOCIAL MEDIA. XX/XX/2021 XXXX  MADE A MISTAKE AND APPLIED TWO PAYMENTS ON ONE ACCOUNT MAKING THE OTHER ACCOUNT DELINQUENT BY A FEW WEEKS. XXXX IMMEDIATELY CHARGED OFF THE ACCOUNT AND REPORTED TO THE CREDIT BUREAUS. XXXX  REALIZED THE MISTAKE AND CORRECTED THE PAYMENT PORTION BUT THEY HAVE REFUSED TO CORRECT THE CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After further investigation this debt does not belong to me, also the company attempting to collect the debt is not bonded to do so in the state of Florida and not legally able to collect the debt on my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by XXXX. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by XXXX. This violation Re-aged account and inconsistent reporting by XXXX has injury and harm my ability to obtain financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Their investigation did not fix an error on your report

Complaint:
I asked Equifax on different occasions to investigate a dispute I submitted regarding incomplete information appearing on my credit report provided by them. The account, XXXX # XXXX, is missing its date of last activity. 

Equifax is required by law to provide me with a complete and accurate report, but they have not corrected my report. ( see complaint # XXXX ) It is a violation for Equifax to knowingly state that something is complete and accurate, when it is clearly incomplete and inaccurate! They can not report that my account is verified and accurate, when it is not. 

Equifax is required to update my file with the missing information, or delete the account. They have not updated my file. The missing date of last activity still exists. The account has not been deleted. 

Since Equifax will not properly investigate, I am requesting that this account be immediately removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, Transunion, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: DISCOVER BANK
State: IL
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:
I have a DISCOVER ( xxxxxxxxxxxx XXXX ) account reporting on my credit report that is a fraudulent account and is not mine. After sending correspondence letters to discover asking them to verify the accounts i received a letter of deletion from in XX/XX/2020 not knowing that they had created new account numbers and reinserted this account on my credit report they have done this several times now after not being able to verify this account please review my credit reports to see this information i also filled a FTC report and sent it to them which they refuse to acknowledge. Also they have different account balances owed on my credit reports please remove these account with inaccurate information and review the reports for this incorrect information. This account is reporting as negative and is stopping me from getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I became aware of the Equifax cybersecurity incident/data breach on X/X/2017 and went to the website https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my data was part of the breach. I clicked the button " Check Potential Impact '' and was prompted to enter my last 6 digits of my SSN and my last name. Unlike the information provided on the page with the button suggesting that I would receive a message telling me if my data was subject to the breach and giving me the option to enroll in TrustedID Premier, Equifax 's system automatically enrolled me in TrustedID Premier without any confirmation on my part. I was not offered information on if my personal information was a part of the data breach unlike what is explained on Equifax 's website nor given the option to choose to enroll or decline to enroll in TrustedID Premier. On XX/XX/XXXX at approx. XXXX PDT, I called Equifax at XXXX and spoke with XXXX . XXXX told me that my information was part of the breach despite not collecting any personal information on the phone call but could not confirm what data was breached, instead referring me to the same website that would not confirm if my data was breached. He also claimed that TrustedID Premier would email me 72 hours after my ( unauthorized ) enrollment, despite never providing an email address. XXXX also referred me to the FTC and gave me the option to cancel TrustedID Premier, which I was unsure about because I never chose to enroll in it and I am unsure if I cancel it if it would prevent me from enrolling again once I weigh details about the program. At this point, per Equifax, it appears that my data was affected, I have not been told what data was affected, and I was enrolled in TrustedID Premier without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Genesis FS Card Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company over the years about this debt asking them to prove this account belongs to me never send a letter verifying this is my account also sold this account to another lender send request in XX/XX/XXXX 2021.these are the requested items from company 1.original contract with my signature 2.payoff disclosure 3.interest 4.balance history 5.payment history 6.credit insurance Never received this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: TX
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:
I have recently checked my credit reports with Equifax and have located accounts listed on my credit file without furnisher account name listed that is currently affecting my credit score. I have disputed these findings with Equifax, and they have not updated the record with the furnisher account name information or removed it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Equifax and XXXX are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
Commonwealth financial services continues to report me to XXXX, XXXX, and XXXX via XXXX XXXX XXXX XXXX. I dispute the report and each time the reports were removed only to reappear with a different dollar amount owed. I believe I 'm being targeted as identity theft, fraud via cybercrime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls multiple times a week at times. Repeated calls late at night. This company is straight up harassing me. I have emailed them and repeatedly told them to stop calling and they don't

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know if I clicked on the correct description, I assume the Debt was mine but the remaining balance Past Due, is not mine .My Credit Report shows my CAPITAL ONE Account Closed XXXX XXXX, XXXX and paid .and " Charged Off ''. Credit Report shows at the time A Credit Line {$1900.00} ( XXXX, XXXX ) Balance in XXXX is now {$1900.00}. I do not have a Credit Line with XXXX XXXX .Payments to XXXX XXXX XXXX is {$20.00} a month. Stating on " Statements '' if Debt is not paid, " Attorney will be retained and I will be taken to court '' My XXXX Credit Report shows CAPITAL ONE DATE : XX/XX/XXXX STATUS : XX/XX/XXXX REPORTED : XX/XX/XXXX LAST REPORTED DATE : XX/XX/XXXX I would assume the Reported Date would be XX/XX/XXXX, XXXX years difference. ( Am I correct? ) Shows " Recent Balance '' $ XXXX XXXX XXXX. $ XXXX XXXX $ XXXX XXXX XXXX 
Credit Report XX/XX/XXXX 2022-PAYMENT HISTORY-No payments have been reported on this account. ( {$1900.00} XXXX XXXX XXXX ) If there is No payment History please explain the {$1900.00}? If my High Limit was {$2500.00} Highest Bal was {$2500.00}. Does that mean I only spent or made one payment of {$43.00}?? To difficult to come up to a conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AL
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:
Equifax data breach where over 100 million Americans credit info was stolen. Also 3 Equifax managers sold their stock before announcing this information in a clearly illegal case of insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Incomm Holdings Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My name is XXXX XXXX and i bought a {$50.00} XXXX gift card from an XXXX XXXX near my house ( Address : XXXX XXXX XXXX  XXXX XXXX, AR XXXX ) and since i bought it it has not allowed me to use it or activate it at all. When i call customer service they tell me my card is expired and empty ( i never used it and it should never expire ). I need help because i need to pay my bills with that money and im really stressed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On XXXX 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 im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file 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