BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Jon Barry and Associates, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paragon Revenue Group is attempting to collect debt for a medical expenses in the amount of {$3200.00} I XXXX XXXX DID NOT authorize these medical charges. There is no signatures authorizing these charges by myself. Supposedly a phone authorization. I did not authorize these charges. I have also requested Paragon Revenue to provide me with a copy of their license to collect debt in the state of Wisconsin. Paragon Group FAILED to show license and signature verification of this debt. I demand this be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This has happened twice in XXXX years! The XXXX event happened today XXXX. 
Both events with BANK OF AMERICA! 
- Twice - BOA has allowed someone to open checking accounts in my name. Both times, my wife has received emails from BOA that MY account is approved. I have XXXX BOA accounts. They are using my social security number ( a whole nother BS topic for Congress ), an old address, etc. This time, BOA did tell me that the email address being used is XXXX Can someone get an IP address on this jerk? 
I tried to log into that account and it has a phone number ending in XXXX attached to it. I can't get any other details. BOA claim # is XXXX - Bank of America should have to monitor my credit for LIFE at this point. The also got me on a predatory loan years ago. 
- All of the Credit Bureaus are Frozen in my Wife 's, Mine and my Son 's names. This should NOT happen. Ever.

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 2021-07-30
Company: Experian Information Solutions 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:
This is a complaint for timeshare company XXXX XXXX. We spoke with one of their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as representative & not a salesperson, claimed to not work on commission. They told us we're making good financial investment, that the investment would increase in value, they kept saying this was an investment repeatedly during the hours of the sales pitch, & promised us things would be positively different each time things got worse. We were told that it has some tax benefits. There were multiple times they said they needed " corporate '' approval in order to give me the price being offered like we're being given the privelege of getting this special offer. We felt pressured and rushed when they told us it's our last chance at the lowest price. They never made us aware of the maintenance fees. At one point they took our ID during this process. We actually requested to cancel, but obviously they never cancelled it. This timeshare just doesn't help us at all & just adding financial difficulties, when we're still supporting our XXXX daughters ' education. We experience XXXX  due to this timeshare 's financial commitment & out inability to use the promises they made. We even lose sleep over the XXXX  caused by this timeshare. I'm sure we were profiled, being a XXXX  with adequate income. We had the worst experience with this timeshare, the hollow promises of multiple Florida resort options that had never been available as a XXXX member but still being responsible for all the finances for these five years. Not processing our cancellation request back in XXXX, promises that were never met, maintenance fees that we were never made aware of during sales & lastly the XXXX  & financial difficulties caused by this timeshare. We were simply defrauded & lied to. I wasn't able to provide XXXX 's email address but here 's their Contact Us page for reference : 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 2020-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Portfolio Recovery Associates, LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Portfolio Recovery Associates, LLC are in violation of 15 USC 1692.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-03-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lvnv funding llc {$1000.00} Account not mine Victim of fraud Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Capital One 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 : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello. I recently filed a fraud claim with my bank against cashapp in the amount of {$1400.00} on XX/XX/2023 and i had a new debit card rushed to me. The new debit card came in and i was going to go to the drive up chase branch near me, the only one near me. The branch doesnt have the option of going inside and talking to someone its just a drive up ATM in XXXX XXXX IL XXXX 

i tried using my digital wallet that i had linked through the mobile app and the transaction declined for possible fraud which i verified was me via the text it sent to my phone and tried again and it failed once more. 

I called Chase bank and verified my identitiy and was told my card was shut off and i needed a new one..after trying to have a new card issued, i was told by the rep on the phone told me that my account was restricted for a check deposit when ive never deposited a check into my chase checking account. Never. So i was lied to on the phone by customer support. i was using my debit card just fine before attempting to withdraw money out of my account at YOUR branch drive up ATM. 

I was told i had to step into a branch to verify a check but ive literally never deposited any check into my account before. Never had any issues with CHASE BANK before this whole situation happened today XX/XX/2023. All i tried to do was remove the funds given back to me from a fraud claim the previous day and now my entire account is restricted about some check i never even deposited into my account so im really lost here and this has been an awful banking experience, i dont recommend Chase to anyone if you dont wan na go through hoops just to get your money and use it how you want lol what a joke.

I've attached screenshots of my 2 bank statements as well. No mention of a check deposit anywhere in my checking account. SO WHY IS MY ACCOUNT RESTRICTED?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2023-10-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Wells Fargo CRD SVC Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Wells Fargo CRD SVC Account 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 the following information items. 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 2021-07-30
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding balance with XXXX that I settled with XXXX XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX I got a collection letter from Convergent regarding the same account. I initially thought it was sent in error since I didn't pay attention that it was a different collector, I just saw it was the XXXX acct & I had already gotten a proof of payment letter back in XX/XX/XXXX & with everything that was going on in the world I really just forgot about it. When I got another letter that's when I noticed it was from a different collector. I checked my credit report & saw the amount was back on my report but now Convergent was the name on it. I called Convergent in XXXX to get info & between speaking to them & XXXX several times I was eventually told my account was sent to Convergent from XXXX in XX/XX/XXXX because at that point it was still showing as owed in XXXX XXXX because that was before they received the confirmation of amount paid from XXXX XXXX. I spoke to someone at XXXX I was told was manager in the account recovery dept ( not sure if that was the exact name but was told they were dept that handled old accts that are sent to creditors ) & she verified she saw the amt on that account was paid in full & I had no outstanding balance with XXXX. Since XXXX I have made several calls, pretty much once every 4-6 weeks, to Convergent & have sent any & every document they request as proof of payment ( bank statements, proof of payment letter from XXXX ) but all they do is put it off on XXXX, ask me to send more or re send the documents I sent previously saying they didn't receive but the previous person I spoke to just the weeks/month before had verified receipt & said they needed time to review & reach out to XXXX. I have spoken to who I was told was managers who say they will review & get back to me but not one time has anyone done what they said they would

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 2023-07-27
Company: Experian Information Solutions Inc.
State: MI
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 submitting a complaint due to unauthorized inquiries on my Experian credit report. according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows XXXX inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. It's a defamation to my character and livelihood.

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 2023-06-30
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix Financial Services is trying to collect on a debt that does not exist. They claim a debt with XXXX XXXX XXXX of XXXX dollars on XXXX XX/XX/XXXX. My health insurance sent them a letter XXXX XX/XX/XXXX stating that the bill was paid and they should remove the collection from my credit report and they refused.. I spoke with XXXX XXXX XXXX on XXXX XX/XX/XXXX and was told I have a XXXX balance on the account and there is no debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On approximately XX/XX/XXXX I was involved in a motor vehicle accident and the vehicle was deemed a total loss. My insurance carrier, XXXX sent a payment to Chase in the amount of {$8800.00}. The check was cashed and applied to my account on XX/XX/XXXX. Unfortunately GAP, which in NY state is required by law deemed the vehicle under valued and requested a valuation and breakdown of the vehicle. That was sent on XX/XX/XXXX to Chase and forwarded to the GAP supervisor, named XXXX. He was forwarded this information XX/XX/XXXX and on XX/XX/XXXX. He has yet to review the paperwork and approve the settlement so the case can be closed. I am still making payments on the loan and at this point I am due a refund. This mva occurred in XXXX and we are a few days shy of XXXX. A quick resolution is imperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Nelnet, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from Great Lakes as well as contacted Great Lakes. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: IN
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-02-15
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unable to access my funds in account, can't ACH in or out, can't add external account, can't deposit check, impossible to find account information, never been provided Debit card to use

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Advantage Credit, Inc.
State: NY
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:
This is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that bein said, the inquiries are violating the Fair Credit Reporting Act. Section 1681b ( c ) : Transaction not initiated by consumer and need to be removed immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Experian Information Solutions Inc.
State: NV
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:
Experian, XXXX, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.

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 2023-06-28
Company: FIRST ADVANTAGE CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I'm always referred to a pre-Adverse action on every back ground check in the state of Missouri I can't get passed the background check I am always up front about my past affairs but the go back to 2000 looking into my record it has hender me from alot of good jobs and they take q month too come back to tell me I didn't get the job cause whatever is on my record it kills me. Please call me XXXX

Company response to consumer: Closed with explanation