BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
Bank of American has an account on my credit report listed as a Charge Off and it is not. When I disputed this through XXXX XXXX the report back from Bank of American indicate the account was at maximum delinquency and it is not. There was an agreement made with Bank of America in early 2022 regarding payment on the account. Since that time all payments have been made to date. The account therefore is not charged off nor is it at maximum delinquency since the payments have been made as agreed. I simply want Bank of American to report the account accurately as up to date and payments being made as agreed. They are showing the balance declining, so why can they not report it correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.

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 2023-05-24
Company: V and H Portfolio
State: TX
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:
I dont know how your agency can continue to close the complaints out and let these illegal collection agencies off the hook. They never sent me anything about this debt.. NEVER REG F 1006.34 requires written notification about it that prior to placing something on somebodys credit file. Doesnt allow you to email the initial disclosure. And they never sent me the initial disclosure to begin with. Next phone call or let her is going to be for my attorney and if you dont believe Ill see you look me up on pacer baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Venmo has frozen access to my account even after I have verified my identity multiple times. I have showed them my photo ID which is my driver 's license as well as bank statements and they're still holding my account with no explanation. All I did was add money from my bank and as soon as it went through venmo froze my account. This is fraud because venmo is lying and not giving me access to My Money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really certain that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting incorrect information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
I recently discovered discrepancies in my credit history related to the reporting of late payments, and I believe these inaccuracies stem from undelivered monthly statements. 
Upon a thorough review of my credit report, it has come to my attention that late payments have been reported, affecting my credit score and financial standing. After careful investigation, it appears that these late payments resulted from undelivered monthly statements.

15 USC 1666b under the Truth in Lending Act, which mandate that creditors ensure periodic statements are mailed or delivered to consumers at least 21 days before the payment due date. In my case, it seems that I did not receive these statements within the specified timeframe, leading to inaccurate late payment reporting to your agency.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: KS
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: Was not notified of investigation status or results

Complaint:
It has been 270 days of me going back in fourth with Experian on items on my credit report that are reporting falsely. And this has been a huge problem on both my credit score and my XXXX XXXX I know Experian has taken on the role of being the authority company on everything financial. And they are failing to accurately perform their job, which is seriously hurting me. Their job is to report accurate information, and they have failed me on that. Further more when i send in a investigation request they completely ignore my concerns and keep me left in the dark on their investigation. They never provided me with their sources on how they are verifying the information either. They just continue to report this stuff. I know for a fact they haven't investigated it because the info is WRONG. They are violating me and they are doing so knowingly and willingly. Whatever system they use to investigate is failing the consumers and American people. They have a huge responsibility here and it doesn't seem like they care at all.

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 2020-09-26
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sent my relative {$80000.00} check. Someone stole the mail and erased the check to {$8000.00} and changed the name to a different person. The check was cashed at Chase. You can clearly see the check was altered. At first, Chase gave me a run around and said they couldn't find the claim. Now they said they couldn't fully reimburse me for the full amount of {$8000.00}. 

So if you sent a check to someone, let 's say {$50.00} for a XXXX  gift, and someone altered it to XXXX. You will be on the hook for the full {$5000.00}. Let that sink in. So anyone will be affected if Chase is not held accountable for their action. They need to train employees better and be held accountable. My friendof a friend encountered a similar issue. It seems like there is going on at Chase. I think you should do a story to protect yourself and all the consumers because you will never know what will happen to you in the future. Consumers should be protected in cases like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX  XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. 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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHEDXX/XX/XXXX THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: FL
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  - CARD SERVICE XXXX and XXXX - CARD SERVICE 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  CARDs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: NY
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 Customer Service, I am writing to submit a formal complaint regarding the permanent limitation that was placed on my PayPal account. I believe that this limitation was placed on my account by mistake, as I have not violated any PayPal policy. 

I have been a loyal PayPal customer for several years and have always followed the terms and conditions outlined in the PayPal user agreement. Despite this, I was recently informed that my account has been permanently limited. I was not provided with any specific reason for this action and I believe that this was a mistake. 

I respectfully request that PayPal re-investigate my case and restore my account if possible. I would appreciate it if you could provide me with any information regarding the reasons behind the limitation and the evidence that was used to make this decision. 

As a responsible PayPal user, I take my account security seriously and I can assure you that I have not engaged in any fraudulent activity or violated any PayPal policy. Therefore, I would like to appeal this decision and ask that you reconsider your decision to permanently limit my account. 

I look forward to hearing from you soon regarding the outcome of my case. For your reference, the email address associated with my PayPal account is XXXX. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: AL
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:
is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. 

Accounts affected by XXXX XXXX  XXXX  opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : {$65.00} COMPANY : XXXX XXXX XXXX  XXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to file a complaint against Kenoshian & Mielle LLP and XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX bought a credit card balance of mine from XXXX from XXXXXXXX XXXX, the balance I defaulted on was less than {$1000.00}. I was told they bought a ghost account. Im not sure what that means. 

They attached my paychecks back XXXX for a total of {$6000.00} paid in full. That was the amount they said I owed. I assumed I had paid that debt in full 20 years later. 

On XX/XX/XXXX, I received another letter from them and a court judgment for another {$5200.00}. This came 3 years after I paid them {$6000.00}. They wont stop coming after me. It is a racket and I want to file a complaint for them to stop. I feel like this will never end. Ive attached the papers sent to me. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: JPMORGAN CHASE & CO.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit report goes down every time you apply, really! 
XXXX XXXX XXXX XXXX send all thier junk advertisement to me in mail. Then I apply, they deny, was going to transfer balance from XXXX  cause of thier XXXX ups. Mostly caused by in my opinion by staff reductions.they didn't allocate my payments as I wanted, now last month they did but still not for month before. The bank spent lots of money trying to get me tp apply for thier credit card. So why deny and reduce my credit score, big old scooge for sure like XXXX XXXX! Stay away from XXXX XXXX, know first hand they are deceiving and dirty! 
Get that hard check off my record by XXXX  XXXX XXXX. 

Then amazon credit application denied by chase. Already have card with chase.

Site said, get XXXX dollars from Amazon and 12 months free payment plan with azmazon card. Got denied by chase. So Now I put it under my XXXX XXXX. The purchase. 
In XXXX, I will transfer XXXX  balance to XXXXr. Those applications should not bring my score down, its a gimmick by card companies and banks. Get that credit denial off my record, it was better deal, free XXXX dollars and no interest payment plan. Big business advertisement. We get punished? What's wrong with the America. Get chase credit check off my record! Chase represenative told me go to credit bureau, ok, so I did!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i had a Capital One credit card and they kept waiting days and days to take my money, even though i talked to my bank and the funds were there, they would processes it for days, so that i would get a late fee on my credit report, i paid extra every month, and they said my payments were returned and theres no way i had money in my account, i looked at my payments and what i purchased and the way i see it is they owe me XXXX dollars that i paid extra because they took so long to take my payment they ruined my credit, and i talked to someone just last week he said my ballance was XXXX, i have a witness to all this as well, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My report to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$1200.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$520.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXXXXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened

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 2023-05-24
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I repeatedly tried to transfer funds from both my Marcus savings account and my Apple Card savings account ( administered by Marcus ), but Goldman Sachs/Marcus refused to execute my transfers as requested and even locked my account to bar me from transferring my money out of their bank. When I tried to unlock my account by calling their customer service line, they put me on indefinite holds, promised to call me back but never did, and said they didn't understand why my account was locked and couldn't do anything about it. Effectively, they locked my money in their bank and acted like they were powerless to do anything about it. At this point, I can't get to my money and feel like I am being defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
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:
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.

Has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NC
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:
ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE 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 2023-04-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Over excessively fees charged for late payment and escrow yearly. Ive only received 1 escrow payments in the 17 years of making payments. Applied for loan modification services year ago and never processed just to receive payment for back payments process and lawyer fees twice. I cant caught a break due to over paid fees. Insurance companies payed once for repairs and Well Fargo kelp the check for 5-7 years before payment.

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 2022-04-04
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I.C. System, INC has repeatedly contacted me about an account that I have no idea about. I asked them for a copy of the contract that I supposedly owed on and they could not produce one. I have asked them repeatedly to stop calling me and stop sending me letters. Now they are threatening to negatively report on my credit report if I don't pay them. I told them specifically all of these things but would not stop sending communications to me. I have XXXX children  and do not have to to deal with these bullies.

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