BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been requesting that Equifax remove inaccurate and misleading information to show my true credit history. To be able to do so, they would need be to do a thorough and proper investigation in a timely manner because this inaccurate item is hurting my credit history and score. This misleading information not only is a violation according to the provisions of 15 USC section1681I of the Fair Credit Reporting Act of 1970, but its also showing a consistency of showing inaccurate information compared to the other main credit Bureaus ( XXXX and XXXX ). The companys name that I am regarding to is XXXX XXXX XXXX XXXX. This company has no accurate information about me or my correct name on file or signatures on any documents that Ive signed showing that I am responsible for this collections or obligation. Nor does this company shows the correct address on file, but Equifax continues to report this inaccurate information on my credit report. The other two Bureaus do not report this inaccurate information of XXXX XXXX XXXX XXXX on my credit report. All Bureaus supposed to be consistent in reporting the correct and the same accurate information. I will be uploading all credit Bureaus reports to show the disparities between the reporting agencies. XXXX XXXX XXXX XXXX is not on any of my other credit Bureau accounts. I am not responsible for XXXX XXXX XXXX XXXX account, and it needs to be removed immediately because its false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
According to XXXX 's XXXX XXXX XXXX XXXX. defines Verification as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ; XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} XXXX dont have documentation in my records for municipals credit union for {$3300.00}

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 2022-06-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Spoofed through Indeed.com applying to an ad for a XXXX XXXX On XX/XX/XXXX, I answered an ad for XXXX XXXX  on XXXX XXXX XXXX, XXXX of XXXX, contacted me and sent information. I signed up and agreed to the job description. I submitted my American Express ( AMEX ) card ( only the numbers ) and was given an advance to begin my assignments on XXXX. AMEX sent me confirmation that stated that the credit had been received. Over the course of XXXX to XXXX, I received payments of {$18000.00} ( see below XXXX of the AMEX confirmation emails ) deposited into my AMEX account for buying merchandise and gift cards. After completing the assignments for XXXX, ( filling out a survey, and photographing the receipts/gift cards, and merchandise ) I was paid {$400.00} for each task. On XX/XX/XXXX, I received an email from AMEX stating that my credits had been reversed. I immediately called the AMEX and talked to XXXX XXXX ( XXXX ). She advised me that I had been exposed to fraud and that XXXX XXXX the financial institution that had issued the credits had reversed all credits. XXXX XXXX stated that the Customer Advised was not authorized. XXXX XXXX ( an expert on internet fraud ) then stated that she has witnessed this type of situation at least 12 times a day. XXXX XXXX then advised me to start the process of reporting my fraud to the various agencies that can help me document it. If AMEX had seen this type of fraud, before why didn't they catch what was happening. AMEX has recorded all my conversations and in good faith, I did approve these transactions because AMEX validated them through emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MD
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:
According to XXXX 's XXXX XXXX XXXX XXXX. defines XXXX as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} I dont have documentation in my records for municipals credit union for {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 noticed amount of XXXX was transferred from my capital one bank account by way of XXXX to another person who I have no idea who he was there was as phone number and a name I contacted my bank filed a claim but they said they can't help I am very frustrated I never use XXXX I need to know what to do here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: ID Analytics, Inc.
State: TN
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:
upon checking report i notice fraudulent charges on 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
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:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 2022-09-24
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
My complaint is with Goldman Sachs management of the Apple Card. My account was opened without any issues. I am in great financial shape with no debt. I began using the card per usual. After a few weeks the account was restricted with no explanation. I had even made an early payment to clear the outstanding balance. After several text sessions and a phone call, I talked to someone who said they needed more account information from me but had not communicated that to me. They assured me that the issue was resolved and the account reopened. Several days later the account was closed again and again no explanation. I have now spent countless hours with their front people who have no clue but to tell me that the account is under review but have no more information. No one will contact me and Im told it could take 10 days. The level of ineptness throughout the process has been astounding. I still have no answers days later just vague, patronizing text messages. I have never experienced such ineptness. Apple should seriously reconsider their relationship with Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
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: Personal information incorrect

Complaint:
Since 2017 i have been enslaved and denied good credit access by Experian and XXXX XXXX credit reporting about the accuracy of my personal information on my credit file they maintained according to the fair credit reporting act. Experian currently is missing my date of Birth and my complete names and also listing old past credit accounts from XXXX XXXX, XXXX and XXXX XXXX that has been settled as charge off/collections and this has been impacting my credit scores since XXXX i have been Denied credits from various applications this is unfair and inaccurate. 
XXXX XXXX has denied me access to good credit since 2017 as they are missing my complete names and listing old settled accounts from XXXX, and lending club as chargeoff/collections greatly impacting my credit scores for years now. 
This two companies has listed XXXX  XXXX Bankruptcy in my credit reports missing accurate datails. This inaccurate reports has impacted my credit scores for years. 
Since 2017 i have been sending letters to this credit bureaus only XXXX saw the truth and has erased all negative items from my credit file.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The freeze was lifted, so they said. We tried to call on the weekend and no one could answer. We called on Monday and they said it was a lock not in unfreeze. We ask for help and Experian sent us to XXXX, they said their tools were not working. All we want is it unfrozen to obtain an XXXX XXXX credit card and we have yet to successfully do that after four days its Monday afternoon and its still frozen and we still havent got an approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hey there, I have been keeping an outstanding credit rating with Equifax XXXX XXXX bureaus with no derogatory & no late payments reported ever and have noticed that my credit score started dropping starting last year when XXXX XXXX  XXXX closed my checking account and Visa card with a minimum of $ XXXX balance to avoid fees and the visa card in a very good standing and it got worse a couple of months ago when I sold my car and paid off the outstanding loan and cleared everything which started showing on my credit bureaus reporting as closed account but this effected my credit badly where it dropped by XXXX points for no reason at all! 
I am completely baffled as to why these events have cause my credit score to drop by a total of over XXXX points and wondering of you could possibly help me as I have not been able to get any answers from the credit bureaus. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
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 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 explanation
Consumer complaint received 2022-07-29
Company: Prosper Marketplace, Inc.
State: TX
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:
we previously filed a complaint about this and the company responded that there were no payment accounts added and no payment attempts had been made, this however is blatantly FALSE! 
The attached screenshots of our prospers account CLEARLY show that there are 2 PAYMENT ACCOUNTS currently added to this account, both checking accounts were added when we registered for online access back in XXXX! 
The screenshots further show the error message we receive when trying to make a payment, this error has been persistent since may, we have send a total of XXXX emails to the customer service in this regard and never received a answer!

As far as the claim of the company concerns that no payment attempt has been made we have a RECORDED conversation with the customer service department of prosper marketplace in which the agent CONFIRMS that she could see a total of 3 failed payment attempts!

It is correct that i did not give bank account information over the phone, first of there are already 2 bank accounts added to the account for payment and customer service should be able to initiate a payment over the phone using this information, i have several credit cards from other issuing banks and with every single one i can call in and make a payment over the phone WITHOUT having to give my account information! 
Prosper further claims that they requested further information from me in response to the XXXX Claim however this is also a lie as i never received any follow up from prosper after a confirmation email was received on XX/XX/22 stating that due to a high volume of messages a response would be delayed! 
At this point it is questionable to me whether prosper is a legitimate business or a predatory lender using questionable business tactics to cash in on people with less than perfect credit, the events and untrue responses to the previous complaint surely seem to suggest so. 
I have also conducted further research into this and it seems there are quite a few other customers out there with similar problems

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 2022-06-08
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I placed my order # XXXXMy card was charged for this purchase of A Shower Installation. It shows that the order is completed but The XXXX XXXX XXXX does not have the order and refuses to answer the phone or complete the order which has a tenant waiting.XXXX XXXX XXXX XXXX XXXX gave me complaint # XXXX to give an order number or a completion and no call back.

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 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or before XX/XX/, I filed for a " Cellular Telephone Protection '' claim with Chase Card Benefit Services ( " Provider '' ), which was assigned a case number. 

Provider has intentionally made receiving my benefits byXXXX XXXX XXXX. They have intentionally ignored my requests for written explanations On XX/XX/XXXX, I called Provider as they requested, and was informed that I needed to submit " A copy of a diagnostic from an authorized service center stating what is wrong with the product and whether it is cost effective to repair it. ". Provider intentionally did not provide this information to me ahead of time, and waited until I called to provide this information. The same day, I provided the information. 

On XX/XX/XXXX, Provider demanded same information that had been already provided on XX/XX/XXXX. 

On XX/XX/XXXX, Provider requested additional information. 

On XX/XX/XXXX, I called Provider to request additional information. The information requested was the credit card used to purchase the card. That information is irrelevant to determining the benefit. The benefit does not depend on the method of purchase. 

On XX/XX/XXXX, Provider had all the information required to properly adjudicate the claim, but refused to do so. Claim remains unpaid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
Company: FinCo Services Inc DBA Current
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I told them multiple times that one of my account was compromise and it was hacked I filed multiple disputes to receive my money back. I wrote so many times and requested proper documentation that I'm untitled too that used to denied my disputes with. They still haven't gave me what I requested I filled appeal with them. And they egonored my requests or took proper protocols to keep my money safe. Costed me hundreds of dollars to the point they costed me money and compensation my other account to be compensated also. That financial institution also looked the other way on my disputes as well. They won't provide the request documents I asked for after the denial my disputes.my personal information has been leaked in three data breaches and the credit report agency are not doing there job to protect my credibility after I notify them my personal information been stolen. Or help me correct information on my report. No one help me like they should have been that's why there protocols and registration laws. Now I'm in the negative and credit score shot. I provided all the information I have to shown my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX XXXX  closed account showing as balance. 
XXXX closed account showing as balance. 
XXXX XXXX  closed account showing as balance. 
XXXX XXXXXXXX XXXX XXXX XXXX closed account showing a balance. 

It is against the law to show balances on closed account according to the FCRA. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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