BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: Continental Collection Agency, Ltd.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2020, I was contacted by XXXX XXXX about this account. I sent a letter to XXXX XXXX because I have a right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Calling and impersonating friends/relatives especially when you are taking advantage of elderly people Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. 

XXXX XXXX stopped calling and never provided any documentation about the debt. Now, Continental Collection is showing on credit reports. So I dont know who owns this account. Recently, I was checking my credit reports and noticed Continental Collection. Continental Collection has never provided any documentation to me about this debt or sent me any communication about this debt. In addition, they are increasing debt amount every month on credit reports. I dont know if they have the authority to do so. I have no knowledge of this account. I am retired and on Social Security at this time. I want all collection activity to cease and desist and this account removed from all credit reports. 

According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-18
Company: Experian Information Solutions Inc.
State: MD
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:
A few months ago, I downloaded some credit monitoring apps on my phone and I saw many things that were alarming. I had to addresses associated with me that were never my addresses in Alabama. Ive only lived in Maryland since entering this country. I also saw that there was a student loan from citizens bank under my profile and I havent gone to school in this country ever. I immediately disputed it and Experian returned and said that I co-signed for a student loan for a person by the name of XXXX XXXX. Although the account reported current, it wasnt mine so I disputed it. The did not remove it. Upon my own research, the two addresses in Alabama were associated with this man ( XXXX search ). Now the account has increased and shows out of deferment. Im terrified this account will ruin my report. Its not accurate. The addresses were removed but not the account. I filed a police report for identity theft and the report number is XXXX for XXXX XXXX county Police Dept officer 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened 4 claims for 4 transactions of the same merchant, now im opening this claim ( ref XXXX ), because was denied without asking anything or requesting supporting documentation. The other claims the bank requested a document signed by me and also the receipt showing that the merchant must sent the items to my address. 

Attached goes the invoice from the store showing they must sent the purchase. 
the transaction was made face to face in store but they didnt have on stock like many stores as XXXX or XXXX they sent the goods to your home. So the reason " was made face to face '' is not a valid reason to close the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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 wereincorrect. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was denied financing for a different house with XXXX XXXX XXXX and a previous situation with Bank of America is the reason for denial. 

My previous house was foreclosed in XX/XX/XXXX and as part of a settlement, it does not show on my credit report, however it is an issue. 

Purchased this house in XX/XX/XXXX with my husband-at-the-time. In XX/XX/XXXX, we separated and our dissolution of marriage was XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX this house was put on the market to sell with no offers. 
XX/XX/XXXX Faxed documents to Bank of America Deed in Lieu Qualified for Deed in Lieu. Negotiator was to contact me by XX/XX/XXXX. 
XX/XX/XXXX Faxed documents to BOA Short Sale XXXX XXXX became BOA contact person XX/XX/XXXX XX/XX/XXXX XXXX told me that my DIL was accepted XX/XX/XXXX Now, my DIL was cancelled XX/XX/XXXX XXXX XXXX sent an email saying that my file is still being reviewed for DIL XX/XX/XXXX XXXX XXXX sent an email saying that my file is still being reviewed for DIL XX/XX/XXXX BOA required me to vacate the premises by XX/XX/XXXX Moved into apartment XX/XX/XXXX XX/XX/XXXX Faxed documents AGAIN XX/XX/XXXX Faxed documents AGAIN XX/XX/XXXX XX/XX/XXXX Deed in Lieu accepted XX/XX/XXXX DIL accepted and recorded XX/XX/XXXX XX/XX/XXXX Called BOA and was again told DIL was accepted XX/XX/XXXX No paperwork yet XX/XX/XXXX XXXX Now, we are in foreclosure XX/XX/XXXX Called BOA about DIL settlement paperwork. 
XX/XX/XXXX Declined for DIL because BOA was unable to contact borrowers Re-initiated DIL proceedings XX/XX/XXXX Still waiting on DIL paperwork XX/XX/XXXX Was told to wait for Approval to Participate letter. Call back next week XX/XX/XXXX Called to check status and was informed that XXXX XXXX was my new contact person XX/XX/XXXX Left message for XXXX XX/XX/XXXX Left message for XXXX XX/XX/XXXX Received a phone call from XXXX informing me that my DIL was not accepted and wanted me to put the house on the market again. 
When I asked why the DIL wasnt accepted, XXXX read because the house sat vacant for so long. 
XX/XX/XXXX Sent letter to BOA asking them to foreclose on property XX/XX/XXXX Received a summons from XXXX County because BOA had decided to sue us. 
XX/XX/XXXX Hired XXXX XXXX XXXX to represent us in court XX/XX/XXXX Foreclosure and Sheriffs sale entry by XXXX County Court XX/XX/XXXX Court filed Confirmation Entry of Sale and Distribution of Sale Proceeds

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 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following Inquiries do not belong to me : XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian : 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ).

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a forgery case. I made/wrote a check through my bank account with XXXX XXXX ( to Person A ). The check was sent ( to Person A ) via mail/USPS and it got intercepted. The person who intercepted my check ( Person B ) cashed my check at a Wells Fargo Bank for a big amount which I would expect Wells Fargo together with XXXX XXXX to follow security protocol and not just release a big amount of money to any individual. I filed a claim with XXXX XXXX on XX/XX/2022. We are about to hit 3 months and neither has Wells Fargo nor XXXX XXXX have made me whole again. I have provided all the documentation that Wells Fargo has requested ( Affidavit of Person A testifying that they never received my check nor cashed it, A letter of Circumstance, a Police Report, Texts, photos, emails ) through XXXX XXXX XXXX Investigator and I have not received my stolen money back or made whole again. I don't understand how my hard earned money was given to the wrong person in a few minutes by Wells Fargo, yet I have to work hard, provide evidence, and wait for almost 3 months and I still don't have my money back. To top it off, Wells Fargo has a bad reputation and bad background when it comes to handling money and stealing from their customers - I don't understand how they are still able to conduct business with such history. All I want is to be made whole again as this situation has not only made me sick/ill with stress, but I have missed on the opportunity of using my money for projects I had already planned for. I would like that both XXXX XXXX and Wells Fargo be contacted and requested to make me whole again 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 explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within XXXX  days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title XXXX PA.C.S XXXX. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX year limitation. 

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within XXXX years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 




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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 2020-03-16
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
1. I'm not sure when Paypal changed its policy, or if they notified users about the policy change. But I am no longer able to connect my Paypal account with my bank accounts since XX/XX/2020. This directly caused me not able to receive incoming deposits sent by others through Paypal. Paypal should explain why I can no longer use all my previously verified bank accounts. And, why I am not able to verify any new bank accounts either. This sudden disruption without any explanation or warning in advance caused me financial loss since I wasn't able to confirm the pending transfer in the amount of {$9.00}, the incoming transfer eventually was returned to the sender automatically 2. I filed a complaint on XXXX XXXX XXXX   on XX/XX/2020, when filing, XXXX  asked me to provide " contact email " and " account ID associated with the complaint ( PayPal email ) '', I provided both. A month later, XX/XX/2020, Paypal informed me that they can only be contacted from the email address linked to the relevant PayPal account for privacy reasons. Paypal should present the corresponding paragraph from the User Agreement where it says so. Besides, I filed a complaint through XXXX, and it is XXXX  who asked me what email address I want to use as the contact method. Does Paypal 's user agreement also have restraints on what email address a third party or a mediating agency should request from consumers? If so, Paypal should present the related page from the user agreement as well. So far Paypal offered zero answers or solutions to either of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filled a complaint late last year and Capital One Banking has then sense completely ignored me, I have reached out with no call back. My point of contact is XXXX at the presidents office, I have left him several voice mails and not once has he called me back to resolve this issue since my first CFPB case was closed. They instructed we needed to have our backs recall wires to resolve the issue and have been completely ignored on that side too, our backs haven't heard from anyone at Capital One Bank since late XXXX. It's almost like they want to keep my {$110000.00}. I am on the verge of losing my home due to these funds being on hold for about 6 months completely unexceptable and completely unprofessional, by far the worst banking experience of my life, XXXX if you read this call me ( Finally ) XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Account opened on XX/XX/XXXX, XXXX Credit limit is {$15000.00} account is over the limit. 
I notified Syncb/ sams club card

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 2021-02-08
Company: LoanCare, LLC
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: Information belongs to someone else

Complaint:
i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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