BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a {$600.00} USD payment and on XX/XX/2021 I initiated a payment of {$1400.00} USD to a recipient of whom I thought worked for a real estate agency for a house payment. However they did not work for the housing agency. They used non legitimate documents and claims to snake the money away from me via XXXX and Bank Of America. They provided me with Fake Approval Letters, and Lease documentation as well in which I printed it out because it was emailed to me. I signed it & sent a picture back to the scammer. I still have access to the phone numbers & emails that were used to get information from me. As well as the person whom I initially was contacted by on XXXX marketplace regarding the home listing. I contacted Bank of America and of course they said there was nothing that they could do on their ends to track whom did this nor reimburse my funds. Frustrating situation. I even contacted my insurance provider ( Progressive ) to get renters insurance on the property. I can be reached at 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 2021-07-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for collection account XXXX XXXX XXXX. I've tried getting in touch with the collection company as well and didn't get a response back. That very same account was also on my XXXX  which they weren't able to verify and since then has been removed. You guys aren't actually verifying anything it's much easier to just say its verified I would like an reinvestigation and this thing removed off my credit.

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 2021-07-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I believe that this company is knowingly cheating and forcing consumers into paying undue interest on purchases that are advertised as 0 % interest financing for periods ranging from 6 to 24 months. I made a purchase in the amount of {$450.00} on XX/XX/2021, for 0 % interest if it is paid off in 6 months ( set to expire on XX/XX/2021 ). I also made two additional purchases under the 6 month 0 % interest agreement for {$100.00}, and {$230.00} I made two large purchases under a 24 month special financing agreement, where I am to pay equal payments for 24 months on each purchase, one for {$1000.00} and the second for {$760.00}. I have made repeated efforts to pay off the small purchases early, before my 6 month grace period ends. However, PayPal Credit continues to apply my early payments to my first 24 month installment loan. There should 20 payments remaining for this purchase, and now there are only 12 remaining, even though I made the purchase this year. The balance on each of the 6 month promotions remains the same, and I am unable to pay them down no matter how much extra money I send them each month. PayPal Credit has promised me on several occasions since XXXX that they will make adjustments to my account, and this has never happened. Now, starting next month, I will owe {$32.00} on my first purchase of {$450.00} - this is interest I should not have to pay, as I have more than kept up my end of the bargain. The following month I will owe yet more interest if this is not resolved. From what I can see, I will have to pay off the remaining balance of {$500.00} on my first 24 month purchase, plus {$130.00}, {$100.00}, and {$230.00} in order to avoid paying interest.
I am certain that this company is taking advantage of consumers who do not know better such as elderly folks, young people, and people who do not monitor their credit card statements. I have an exceptional payment history for all of my accounts and simply intended to pay these small purchases off early to avoid paying interest, as was my agreement with this financial institution. I feel powerless and hope that they will correct this seriously dishonest practice ASAP. Please help. Thank you! 

The following payments were made since XXXX : XX/XX/XXXX, {$150.00} ; XX/XX/XXXX ; {$110.00} ; XX/XX/XXXX {$97.00} ; XX/XX/XXXX, {$160.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX {$100.00}.

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 explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these changes. I asked the items be deleted to correct my credit report. I have reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2023-08-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this email finds you well. I am writing to express my deep concern and dissatisfaction regarding an issue that has recently come to my attention. I have always valued my association with PayPal and the convenience it offers for my financial transactions. However, I regret to inform you that my experience has taken an alarming turn. 

I have recently been informed by your customer support team that an unauthorized PayPal registration has been completed using my personal information. This revelation is not only distressing but also deeply unsettling, as I have had no involvement whatsoever in this registration process. I must emphasize that I have no knowledge of these unknown PayPal accounts, and their creation has been done without my consent or knowledge. 

At this juncture, I kindly implore your assistance and expertise in thoroughly investigating this matter. It is of utmost importance to me that the truth be revealed and the responsible party behind these unauthorized registrations be identified. I am steadfast in my belief that a comprehensive inquiry will vindicate my innocence in this situation. I beseech your support in restoring the integrity of my PayPal account, which has been compromised due to this unfortunate incident. 

To validate my identity and substantiate my claims, I have attached a copy of my State Photo ID with this email. I trust that this document will serve as concrete evidence of my identity and underscore my commitment to resolving this matter diligently. Moreover, I am more than willing to provide any additional information or documents necessary to facilitate a swift and effective resolution. 

I understand that PayPal is committed to upholding the security and trust of its users, and I am confident that your team will handle this issue with the utmost professionalism and care. I appreciate your prompt attention to this matter and anticipate a positive and expedient resolution. 

Thank you for your understanding, assistance, and continued dedication to ensuring a safe and secure platform for all users.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: TX
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts -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 2021-07-10
Company: CL Holdings LLC
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that Caine and Weiner validate an account with documentation that they are reporting on my credit reports. The company did not validate the account and the account remains on my credit reports. This goes against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Block, Inc.
State: AZ
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:
Between the Dates of XXXX there were multiple transactions made to 2 companies who the parent Company is XXXX XXXX, the 2 Companies are ID 'd as XXXX XXXX and XXXX Slots Payments varied from XXXX {$50.00} and there were about 50 transactions, around XX/XX/2023 i was playing on a casino, which i played a specifi slot called the bear or something to that effect where i had a winning spin, i screen shot the winning spin to send to company, which i was told it was a Visual Error and what i was seeing was not actually what it really was ... Implying that it was my fault and they essentially closed my account, and refused any type of refund to me whatsoever. which i than reached out to one of the card companies cash app i used for multiple transactions, i disputed the charges and was told because there were multiple transactions its not a valid dispute, i explained that it took me that long to see they were not conducting business ethically and i wanted a refund, i did not think i should be paying for a scam. cash app basically told me to kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe the account is invalid. STATECU needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.STATECU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
So I recently tried to get them to remove all the accounts I didn't authorized them to report. They told me they had to " verify '' my accounts with " creditors. '' According to 15 usc 1602g " the term creditor refers only to a person who regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. '' Pursuant to 15 usc 1602e " the term person means a natural person. '' A corporation is not natural person. A corporation does not have the power to verify anything it is just a piece of paper. according to 15 usc 1681a ( 3 ) you assumed the role it was not given to you by the govt. I want the senior executive to contact me at XXXX with a copy of a notarized affidavit showing me proof that I granted Transunion the permission to report anything. According to 1681b ( 2 ) you need my permission to furnish anything on my 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 2023-08-13
Company: JPMORGAN CHASE & CO.
State: NY
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:
I made an uninformed decision on XX/XX/2017, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am not sure but I had checking accounts with XXXX  XXXX XXXX. Wells Fargo and XXXX Bank. And I just heard about your order to XXXX  XXXX XXXX to pay customers. I may be a client that these banks owe money to. But I dont know how to make sure

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 2021-07-10
Company: Bay Area Receivables, Inc
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: J J Marshall & Associates, Inc
State: MI
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:
Sent letters to both the creditors and credit reporting companies on XXXX. I never received a response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX  XXXX- ACCOUNT XXXX  XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX  - ACCOUNT XXXXXXXX  ( NO KNOWLEDGE 4. XXXX  XXXX  XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT IC SYSTEMS , INC HAD THE ACCOUNT FIRST AND THEN SOLD IT TO XXXX XXXX. IC SYSTEMS FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 
5. IC SYSTEMS , INC -ACCOUNT XXXX XXXX XXXX ( NO KNOWLEDGE ) 6. XXXX  XXXX  ( NO KNOWLEDGE )

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 2021-07-10
Company: SYNCHRONY FINANCIAL
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 mistakenly purchased an ecosmart water heater from a KNOWN fraudulent company. Once checking out with their " preferred checkout method '' ( PAYPAL SYNCHRONY CREDIT CARD ) the website changed from XXXX to XXXX XXXX XXXX with no other contact information. I became concerned, but, was able to track package delivery. Once my package stated it arrived, I noticed it was an envelope with just a mask in it. I called Paypal Synchrony credit card to dispute the charge and report fraudulent activity on the account since there was no way of getting ahold of the company. They stated they " had no problems getting in touch with the merchant '' and swiftly denied my claim. I tried to bring to them more information, and they denied it again, but this time with a copy of the merchant 's proof of delivery. I told them the merchant delivered a package with a mask in it with XXXX writing on the envelope. The product weight was 0.5 lbs delivered by XXXX. My product was a POOL HEAT PUMP with a wt of 25 lbs! I looked on the PayPal website and noticed that PayPal KNOWS THIS COMPANY IS COMMITTING FRAUD AND DOES NOTHING TO STOP IT, BUT INSTEAD, THEY TAKE THE CRIMINALS SIDE. They told me I could not have access to the company number they had because " it was their personal one for that company ''. The lady I spoke to also said that they are aware of this type of scam where they block any communications with the buyer once checkout is complete. If you look at XXXX https : //www.paypal-community.com/t5/Disputes-and-Limitations/is-163-com-address-a-scam/td-p/2123145/page/1XXXX ) you can view all the victims of this fraudulent company with the email ending XXXX on the Paypal website. They do the same scheme over and over with PayPal being aware. I have receipts from before the transaction and then the finalized transactions along with " their proof '' they sent from XXXX that Paypal sent me. They continue to allow transactions to be approved with the same domains. When the consumer brings up the discrepancy, they are made by synchrony to feel as if they committed the fraud.

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