BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I was a victim of a scam from my Wells Fargo credit card, savings and checking accounts. Wells Fargo XXXX refused to refund my losses of {$39000.00}. I have letters of false claims by the WF fraud department : They stated that " You successfully submitted a {$30000.00} transfer from my savings to my checking accounts on XX/XX/2021. I did not. 
They stated that " You successfully submitted a {$10000.00} cash advance in my credit card account on XXXX XXXX. I did not. The fraudster did both. 
In a letter to me dated XX/XX/2021 WF stated " On XXXX XXXX, there is a cash advance made for {$10000.00} but it was reversed and credited back to your account and we refunded the cash advance fee of {$500.00} from the {$10000.00} cash advance made. This never happened. This is also in a letter to me dated XX/XX/XXXX. 2021. 
The fraudster somehow got into my credit card and savings accounts to see if I had enough limit in my credit card account to order an illegal {$10000.00} cash advance and a {$30000.00} illegal transfer from my savings account, both to my checking account. Once he knew I had enough money in both accounts the scam began. 
Yes I ordered a {$39000.00} wire transfer to a bank in XXXX XXXX as ordered by the fraudster to get back my {$400.00} XXXX XXXX XXXX. The WF teller told my this would not be good until XX/XX/XXXX, XXXX was suspect of a scam and went back to the bank and told them to stop the transfer. They said they would let me know in 4-5 working days.

Also, I heard of a money scam in XXXX XXXX, California by a XXXX XXXXXXXX XXXX customer. Bank XXXX XXXX refunded all of the customers life savings from the scam. He was told to withdraw his full savings because XXXX XXXX XXXX was in trouble. He sent all of the money to a XXXX XXXX. It was not a XXXX XXXX it was the fraudster. This was an XXXX XXXX XXXX live report in XXXX XXXX seen by my daughter. Why can't Wells Fargo take care of my similar problem? 
The first two events that happened were : the fraudster somehow got into my WF bank to check on my funds and when he knew I had enough for the scam he did an unauthorized credit card cash advance for {$10000.00} and a savings account unauthorized transfer of {$30000.00}, both to my checking account. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Paypal Holdings, Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Because of fraud charges, I had to be issued a new credit card. After I had it activated, I went to Paypal in order to update my information, and discovered that my new credit card number had already been updated! 

I immediately called Paypal, thinking that a hacker got into my credit card account and also my Paypal account. But no, Paypal tells me that this happened because of an agreement they have with my bank, XXXX XXXX, so that when I get a new card, they automatically send the new number to Paypal. 

I am furious. Paypal never informed me about this agreement. 

After going around and around with my bank, I find out that this agreement Paypal is referring to is called the Automatic Billing Updater. It is a service provided by Mastercard to merchants who pay them money so that if any of their customers change credit cards, the merchant is sent the new card info. 

Paypal does not mention that they participate in the Automatic Billing Updater anywhere in their privacy policy. 

I should be the only one who can give out my credit card number! The fact that Paypal believes they should be able to get it without my consent is abominable! 

I contacted Paypal asking to be opted out on their end, as my bank will not let me. This time I was told by a " supervisor '' that Paypal is not aware of using an Automatic Billing Updater, and I should contact my bank. 

This is unbelievable! No one wants to take responsibility for using this service. How can it be that merchants can participate in a service that gives them my credit card number without my consent? How can they lie about this service and hide it? How can the representatives know one minute what I am talking about, and state they never heard of such a thing the next? How can they get away with not stating that they do this in their privacy policy? And how can they get away with not giving their customers an option to opt out? 

I am XXXX, and reading on the computer is extremely hard for me. After searching all over Paypal 's website for days, my son finally ( four days after the incident ) found mention of this service in their user agreement. It is an obscure line which reads " If this information changes, we may update it as directed by your bank or card issuer without any action on your part. '' If they think this is enough of a heads up for their customers, they are mistaken. We also found on the Paypal community forums where many people have been surprised by Paypal updating their card info, sometimes even before they themselves received their new card. 

This needs to change. How in the world did it become okay for anyone but me to give out my credit card info? The fact that Paypal is allowed access to my credit card information with out my consent and then takes no responsibility for it, makes Paypal extremely unsafe, and unsecure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
4 months ago, I sent a dispute letter to XXXX XXXX and the credit reporting agencies challenging an inaccurate account on my credit report. XXXX XXXX is the alleged original creditor of the account that seems to be paid off. I don't recall having an account with your company. Furthermore, there was never correspondence sent to me informing me of the alleged debt or that the account was being sold. You are in violation of the FCRA for furnishing incorrect information. You are reporting XXXX different collection agencies to each bureau. The collection agency being reported to XXXX is XXXX. How is this even possible? Please see the attached dispute letter, which is dated, and time stamped as well as the inaccurate credit report. If this account is not removed within 7 business days, I will be seeking compensation and suing in small claims court due to negligence and violation of consumer laws.

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 2022-03-26
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against Paramount Recovery for committing identity theft. I have never given ( Paramount Recovery ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( Paramount Recovery ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Paramount Recovery ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Paramount Recovery ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Paramount Recovery ) continues its collection efforts, I will file for litigation for actual damages caused and ( Paramount Recovery ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. XXXX and Transunion blocked XXXX  XXXX XXXX and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report XXXX accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my 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 non-monetary relief
Consumer complaint received 2020-03-17
Company: CarMax, 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: Investigation took more than 30 days

Complaint:
I had called CarMax because I was behind due to lack of Child Support   payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX  XXXX  kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called Carmax explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX  of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've been asking for a status update on my XXXX  applications since last year and have not received XXXX. I submitted my temporary XXXX  waiver in XXXX of 2022 and consolidated my loans at the direction of the student loan provider, but I have not received any updates on my applications. My eligible payment count has been at XXXX since the consolidation in XXXX of last year. I've worked at eligible employers ( nonprofit and academia ) for almost 14 years, so I believe I've reached forgiveness for most of my student loans. I've asked Mohela to put my loans in forbearance while I wait on them to process my application but I was told I can only receive a forbearance if I've made XXXX qualifying payments, however, on the XXXX  application it clearly states that while your application is being processed you can request a forbearance, it does not have any language about a XXXX payment requirement. Also, if I've already made XXXX qualifying payments, I wouldn't need a forbearance because my loans would be forgiven. Not allowing me to receive a forbearance when the application states I can receive a forbearance while waiting on my application to be processed is unethical and unjust. If student aid gov or Mohela is inundated with XXXX applications and behind schedule with counting eligible payments they should put my loans in forbearance while they catch up on calculations. I don't understand why my loans weren't updated last year while things were paused for student loans. Mohela has contacted me to make payments for the last couple of months, but they have not contacted me about student forgiveness in over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being harassed with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a lXXXX XXXX  and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike XXXX XXXX is trying to claim. Regarding UCB Collections that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. 

UCB Collections : XX/XX/XXXX - Present. 
XXXX XXXX : XX/XX/XXXX - Present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After receiving reports of personal info on credit incorrect. I sent a certified letter to them of all the updated info and havent received anything. I sent the letters out in XXXX of 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 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Capital One XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Have override my wishes to avoid fees I specifically ask that if there are no available funds do not allow the charges to go through. They did not the allowed charges to go through then charge over daft fees and insufficient funds fees totaling $ XXXX with in there systems Hereby pressure me to pay fees for account I did not authorize now the have place that on my credit report at XXXX {$730.00}. On their website. Capital one bank refuse clear the {$370.00}. The manager at the branch refuse to me. XXXX XXXX., I never felt so violated in my entire life. 
I have filed a complaint with the bank. Complaint # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They refuse to let me use my card that I was approved for give me hard time this isnt fair what a horrible bank and experience they wont let me use my account

Company response to consumer: Closed with explanation