BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Wednesday, XX/XX/2023, I went into the XXXX Branch of Wells Fargo to cash a {$5400.00} Check. The check was written to my son, but he signed it over to me because he does not have a bank account. I was refused and the teller and later the manager stated that it was their policy to not cash such a check and that I would have to bring my son in personally so that they could " look '' at him. I have 5 accounts at this bank and have been a loyal customer for over 20 years. We had a home equity loan with the bank, a business account and my wife has several separate accounts with the bank. I have going to this bank for over a decade because it is in my neighborhood and I have always received excellent service. I offered to have the check deposited to my account in case they were worried about sufficient funds and was still refused the supposed reason is because of money laundering, which Wells Fargo has been found guilty of in the past, as well as XXXX discrimination in lending, opening bogus accounts and numerous other fraudulent activities over the years and currently a number of class action discrimination suits from its own employees. 
I feel that I was treated with disrespect. I am a retired XXXX XXXX XXXXXXXX XXXX military veteran and XXXX XXXX XXXX. I feel that I was not treated with respect today and the Bank manager, XXXX XXXX XXXX was in essence accusing me of trying to instigate some kind of 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 explanation
Consumer complaint received 2019-06-18
Company: CITIBANK, N.A.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the same complaint I submitted with XXXX, which was resolved in my favor and removed from my credit report. 

When transferring leases in XXXX, WV, I forgot to change my mail. I transferred my lease to a man named XXXX XXXX who currently resides in XXXX, OH after failing to pay the rent on the lease, leaving me with the bill. 

XXXX XXXX could not get his own family to be his guarantor, so I stupidly became the guarantor. The form requires a social security number. XXXX XXXX used my information to order more credit cards and add charges to them. 

The location of my apartment was at the XXXX on XXXX XXXX in XXXX, WV. They have records of XXXX acquiring my lease and bailing on his duties as a guarantee.

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 2019-06-18
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that until recently I found out was actually under GE Capital Retail and was sold to Care Credit in 2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( 2013 ) there was evidence of deceptive credit enrollment practices by GE Capital Retail and Care Credit of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-ge-carecredit-to-refund-34-1-million-for-deceptive-health-care-credit-card-enrollment/

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 2023-05-30
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2022-05-18
Company: AVANTE
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The complaint about Avante usa, To day I got a threatening message for a company who wouldn't identify them selfs but said they represented a for so legal network there telephone number is XXXX talked to a woman named XXXX who told me that Avante usa is filling a law suit against the a lot a fribulus federal chargers agints me. Let 's keep it real this is retaliation for all the complaints I filed. I'm going to refer to Court case Michaelis nursery vs commissioner and Buchner vs commissioner judge ruled since it's considered income it can be written off and the person owes nothing. 15 u.s.c. 6802- refer to ( a ) -obligations with respect to disclosures of personal information. It was illegal for Avante usa to even have. I've never gotten a notice from Avante usa. I did know who they were till I called XXXX  XXXX, and XXXX XXXX confirmed that the debt was written off. 
15 u s.c 1692c - communication in connection with debt collections. Refer to ( a ) - debt collector may not communicate with consumer in connection with a consumer in connection of any debt. When I called Avante usa I tried to tell them all this and the lady didn't want to listen and hung up. What throw me in federal custody and harm me??? I want an fbi investigation 15 u.s.c 1611 false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX was closed in 2012 and a Letter of Satisfaction was never sent to the county Register of Deeds. A request has been made ( over 60 days ago ) and another XXXX 45 days ago requesting letter to be sent and no response as of today.

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 2022-05-18
Company: Glass Mountain Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Glass Mountain Capital LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Glass Mountain Capital LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from Glass Mountain Capital LLC. If Glass Mountain Capital LLC 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 this 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 alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Glass Mountain Capital LLC 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 Glass Mountain Capital LLC continues its collection efforts, I will file for litigation for actual damages caused and Glass Mountain Capital LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein 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 2023-07-31
Company: Paypal Holdings, Inc
State: CA
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, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account XXXX. I believe that this limitation is a result of a mistake and would like to bring the following points to your attention : Mistaken Limitation : I strongly believe that my account was mistakenly limited. I have been a loyal and responsible PayPal user for several years, and I have never engaged in any activity that violates PayPal 's policies. It is disheartening to find my account limited without a clear explanation or proper investigation. 

Compliance with PayPal Policies : Throughout my usage of PayPal, I have always ensured strict compliance with your platform 's policies and guidelines. I have never been involved in any fraudulent or unauthorized transactions, and I always strive to maintain the highest standards of integrity in all my PayPal transactions. 

Request for Re-investigation : I kindly request PayPal to conduct a thorough re-investigation of my account 's activity. I believe that upon closer examination, you will find no violations or irregularities associated with my account. I am confident that this re-evaluation will demonstrate my adherence to all PayPal policies and restore my account to its fully functional status. 

I understand that PayPal has a duty to protect its users and maintain a secure platform. However, it is equally important to ensure that actions taken are based on accurate information and justifiable grounds. 

I am kindly requesting a prompt review of my case, as I heavily rely on my PayPal account for various personal and professional transactions. Restoring my account would allow me to continue utilizing PayPal 's services efficiently and securely. 

I sincerely appreciate your attention to this matter and your commitment to resolving account issues fairly. Please feel free to reach out to me if any additional information is required for the investigation. 

Thank you for considering my appeal. I eagerly await a positive resolution to this matter and the reinstatement of my PayPal account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When we moved into the apartment our Landlord promised us it would be move in ready, and had us sign paperwork that it would be, It wasn't, it was dirty and mold infested and had furniture and garbage still in it. When we moved in it was not livable but we had limited options as my wife was XXXX  at the time. He tried to bribe us to clean it out and move furniture out and maintain the garbage by the mail slot by promising to write up a new lease with a reduced rent. A new lease was never written so we reported the apartments condition to the health department which required him to perform another inspection with updated responses. After that he started treating us poorly and delaying repair orders. I paid my rent on time for the next few months before I lost my income. I went on XXXX Leave in XX/XX/XXXX, and when I returned to work in XX/XX/XXXX they took all my hours and had to look for other employment and was unable to pay rent. I tried to work with our Landlord to give him all the money we would owe him once we got our tax returns, he agreed to those terms but within 2 weeks served us a Pay or Vacate Notice. We since discovered a collection account opened against us. Of the XXXX they have in collections for us XXXX of it is for rent that we owe and are willing to pay but the rest in listed as for " remodeling '' which should have been done before we moved in and we do not feel should be our responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have names on my Experian credit report that are inaccurate. My name is XXXX XXXX XXXX and that is whart i wish for my credit report to show. Please delete all other names. My address is XXXX XXXX XXXX. This is the address I wish to have on my consumer credit report. The address XXXX XXXX XXXX XXXX XXXX XXXX is a NON-MAILABLE ADDRESS and I do not live there nor can I receive mail there. Please delete XXXX XXXX XXXX XXXX XXXXXXXX off of my consumer credit report. I do not wish for a phone number to be displayed on my report. I only wish for the last four numbers of my social security number to be shown, I wish for only XXXX to be shown as my date of birth on my consumer credit report. No employer should be showing 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: Westlake Services, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I bought a car though this company 4 years ago. In XXXX I received a call from a debt collector name westlake portfolio stating the were trying to collect a debt. I dont owe this company anything and never heard of them. They told me my car company went out of business and filed bankruptcy and theyre taking over my contract but Ive never heard this and they call my phone at least 50 times a day demanding money from me. My car loan say pain in full, XXXX balance owed on my credit report feom XXXX. West lake portfolio is not on either 3 credit reports. I was never notified that XXXX even went out of business and they still say to pay them. I believe this is fraudulent. Can you please tell me something. Im tired of being harassed by westlake portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: TX
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:
Allowed incorrect information to remain on 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 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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 recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX 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 I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: JPMORGAN CHASE & CO.
State: LA
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:
Chase Account # XXXX On Tuesday XX/XX/XXXX, I refinanced my home and took out cash to pay a number of creditors. One of which was Chase dba XXXX XXXX finance. I learned Monday, XX/XX/XXXX that creditors were being paid via check and all checks were mailed that day. 

Given that I customarily pay online, I proactively contacted Chase on XXXX at XXXX XXXX  to inform them that my remaining auto lease payments would be paid in full via check. I spoke with a Chase representative for over ten ( 10 ) minutes, furnishing her with the check number and amount of the check. I was assured this information would be noted to my account and would serve as acknowledgement of payment. 

On XX/XX/28, I was contacted by Chase and spoke with another representative for over ten minutes to explain the payment status of my account. I was informed that my account would not be flagged delinquent, as the date of the check would be considered the date of payment. 

However, on XX/XX/XXXX and XXXX, I received alerts that my credit score had dropped by over sixty ( XXXX ) points between all three bureaus due to a late payment report. 

I contacted Chase on XX/XX/XXXX to express my concern, given the efforts made to communicate the circumstances and the information shared by Chase representatives. I spoke with a number of representatives and was ultimately told that a request for an adjustment would be made and I would receive a letter in the mail. 

On yesterday, I received a communication from Chase simply stating that they reported accurate information and to pursue the dispute process via the bureaus. 

I have never paid over thirty days late on this account or my mortgage, ( which was also with Chase ) and paid off during the same process. Credit is a very valuable, yet delicate matter which effects every consumer 's ability to obtain and maintain relationships. Chase in practice, has not honored the word of its representatives and appears to resist resolving a matter worthy of consideration, given the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this XXXX 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.

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