BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/19, I was the victim of grand larceny by communication when a scammer claiming to be my mortgage lender 's attorney ( I was just about to buy a house ) duped me into wiring them {$100000.00}. The FBI and my bank ( XXXX ) have worked quickly and diligently and I will hopefully get " almost all '' of those funds back. But I want to lodge a complaint against the recipient bank Wells Fargo, which fails to verify all beneficiary account information before opening bank accounts. The bank account was fraudulently set up in the name of my mortgage lender 's attorney. Wells Fargo is the only bank that doesn't verify EIN # s, etc. before opening accounts, as I understand this is not a formal banking regulation. Please do what you can to make verification a requirement. My attorney tells me he has recently heard of several lawyers-clients who were victims or near-victims of this scam since Wells Fargo allows illegitimate persons to set up accounts in the names of other people/companies. Also, I understand the US Attorney likely won't prosecute the people who committed this crime as the amount was under {$1.00} million. However, I imagine their scam has collected well over that amount from numerous people connected to home purchases, especially in the expensive New York region.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXXXXXX - Partial Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Partial Account # XXXX XXXX XXXX XXXX  - Partial Account # XXXX XXXX XXXX XXXX Partial Account # XXXX has violated my rights in more ways then one. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C. 1681 section 604 A Sec 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681i states that Experian, XXXX XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, OR delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

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 2022-07-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The due date for payments is the XXXX of the month. For the billing period ending XXXX a payment was made on XX/XX/XXXX. Then on XX/XX/XXXX the online app showed a payment due XX/XX/XXXX. A payment was made on XX/XX/XXXX for the XXXX due date. Synchrony then applied that payment to the previous billing period and on XXXX jot me with a {$30.00} late fee for not making a payment by XX/XX/XXXX, even though it was made 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 monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 2019-04-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
i attempted to purchase tickets to a show from someone online, used PayPal credit that assured me i was protected from a frodulent transaction. once i send the money, i realized that the profile the person used was fake, so i cancelled the transfer via text, replied that i do not authorize this transaction, the called PayPal and asked them not to release the funds, explained what had happened and was assured the funds would not get released and that they opened a case. A few hours later i received an email from PayPal stating that the case was closed and that the funds were released. I called them again, they charged me {$5.00} to protect the {$80.00} purchase but refused to reimburse/credit or do anything about it ...

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 2022-10-13
Company: Maximus Education, LLC dba Aidvantage
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:
I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX  XXXX XXXX, or Aidvantage to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since 1933, therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with 34 CFR Part 99 and the Privacy Act of 1974, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are 5 total entries totaling {$24000.00}. XXXX, XXXX, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: NJ
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/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: In progress
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Got notified by credit that someone tried to increase purchasing amount on my cred card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY, LLC ( " Portfolio Recovery '' ) is in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character. 

1692f ( 1 ) prohibits a collection agency from making any attempts to collect on a debt unless expressed in the original agreement. The credit card agreement, statements, bill of sale and any testimony are general. The company does not possess any account-level documents that would identify me as the debtor. 

Portfolio Recovery is attempting to collect an alleged debt in the amount of {$570.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time. 

To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account # : XXXX. In the event that Portfolio Recovery does not have the documentary evidence I demand they immediately cease collection, zero out the account and delete the debt from my consumer report. Failure to comply may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
YOUR COMPLAINT Chase totally initiated this criminal action. 
This whole situation was initiated by XXXX XXXXXXXX XXXX on behalf of JPMorgan Chase Bank , N.A . Then XXXX XXXX then XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX now represented by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX. On XX/XX/2023 I did not show up for a hearing on a fraudulent foreclosure housing court hearing as I am XXXX XXXX XXXX XXXX XXXXXXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX highly aggravated by stresses. This XXXX XXXX XXXX is well aware of my age and health status. I filed into a Superior Jurisdiction Court being the Land Court, to address the criminal illegal foreclosure attempted on me as well as Now illegal eviction threat on me. I am legally allowed Special Accommodations in all of the courts as per XXXX laws and now this being the case this XXXX XXXX XXXX, XXXX is trying to illegally not only push thru this illegal foreclosure fake/forged documents but Now also this party is trying to evict me before 10 days the default removal time window is closed for removal of this so called default. being the 10 days from XX/XX/2023 is XX/XX/XXXX, XXXX attempted eviction is illegal as per misrepresentation forgery and photocoping present on foreclosing documents. This party was supposed to wait until at least XX/XX/2023. This party is trying to avoid my Land Court Complaint that I have filed on Friday XX/XX/2023 for Try Title, proving illegal foreclosure and other crimes done to me as an XXXX XXXXXXXX person and homeowner of 34 years. This attorney XXXX XXXX XXXX XXXX XXXX should be disbarred for this abuse to me, as well as aiding and abetting this XXXX XXXX XXXX, XXXX for criminal acts to what amounts to Premeditated murder for profit of this XXXX XXXX woman with use of an illegal foreclosure with use of emotional terrorism. Also on the early XXXX XXXX of XXXX there was an attempted Trespassing situation whereas a man entered my property ( recorded on security cameras ). I have been living here at this same address since XXXX and this has never happened before. I believe this party is XXXX XXXX XXXX, XXXX is trying to terrorize me into leaving my home to steal possession of it, to flip it for Profit, in short premeditated murder for profit, terrorizing this XXXX XXXXXXXX person. It was only 4 days after this so called default that a clerk defaulted me when I was supposed to have 10 days to remove it. Also, What gives a Clerk the authority to rule on a case? and or execution?? attached housing court docket and police report -- -this is all in addition to this dangerous aggressive predator XXXX XXXX XXXX XXXX to my door to terrorize me on XX/XX/2023 as attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A transaction was cancelled in the amount of XXXXThis was an order for a pair of shoes thru XXXX XXXX.The order was cancelled within 2 minutes after it was placed.The transaction went thru using XXXX. 
American express put a hold on my account for XXXX on XXXX XXXX.This was supposed to be released by Amex today XXXX.They have not.Now they are blaming XXXX XXXX for the hold. 
I spoke with multiple people from Amex, including a person maned XXXX that stated hes a supervisor.All he did was lied to me regarding the issue. 
There's no reason for Amex to lied regarding availability of funds. Its terrible that they DO NOT PROTECT credit card holders from fraud, when they are the guilty ones!!! The XXXX its fraudulent charge and I want the money back into my account. No excuses. 
In closing this is not the first time that I had this issues.10 days ago, I made a a purchased and they charged ( amex ) twice.I had to spend many hours with them to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: PA
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:
I HAVE SENT NUMEROUS LETTERS TO ALL OF THESE CREDIT BUREAUS SINCE XXXX TOLD THESE PEOPLE THESE ACCOUNTS WERENT MINES NUMEROUS TIMES AND YET THE ACCOUONTS STILL REMAIN ON MY REPORTS I HAVE BEEN A VICTIM OF IDENTITY THEFT SINCE XXXX AND I RECEIVE AN IP NUMBER YEARLY TO FILE MY TAXES AS PROOF. MOST OF THESE ACCOUNTS ARE REPAT OFFENDERS OPENING CARDS WITH THE SAME COMAPNIES THEY HAVE SCAMMED BEFORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Applying for a home loan in the month of XX/XX/XXXX, suddenly a collections appears on my credit report from a 3rd party collection agency, sequium asset solution. The collection was referred to them by XXXX XXXX. In XX/XX/XXXX I was a victim of identity theft, someone opened a account with XXXX, I followed all the necessary steps to have this removed from my credit reports. I then had the credit agencies flag my account as identity theft. I filed a report with the FTC, and also put a credit freeze on with the 3 agencies. Whomever opened this account with XXXX XXXX, should not have been able to do so, seeing that my credit was frozen and flagged from the identity theft in XX/XX/XXXX. I disputed the account with the credit agencies, submitted a fraud affidavit with XXXX XXXX, filed a report with the FTC. Spend a small sum of money and alot of time trying to straighten this out, and they are telling me it will take 6 weeks to investigate. This will cost me hundreds, if not thousands in interest for my home loan. With all the safeguards I put in place in XX/XX/XXXX, this account should never have been opened, if only XXXX XXXX had tried to run my credit. I really need for this to be corrected asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have received a SBA PPP loan and deposited into my capital one simply checking account. I was using that loan amount to support my business during the pandemic period but capital one frozen my account recently and now I see that the amount was withdrawn from my account without my concent, with no proof of where it was sent. Capital one did not provide any reason why they took this action and neither did they reach out to me for any clarification. I did feel like capital one did not act as a financial service provider rather felt like a simple working man was harassed for no reason. I need my money back into my account if not then full written clarification of where my money was sent and reason for it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX with Comenity Bank card. The Transfer of a XXXX XXXX XXXX XXXX XXXX was supposed to be converted into a XXXX XXXX XXXX. The XXXX was opened for a 50 % of the Down Payment ( the other 50 % was supposed to be put on another card under spouse name ) The full amount was placed on the newly opened XXXX XXXX  under my name. In which I did not know about so I filed a fraud claim. after several calls and emails to the XXXX company with no response & still to this day no conversion on the two accounts. We are still paying for two separate accounts maintenance fees. 
After, all of that I called Comenity Bank - on XX/XX/XXXX. I made a large payment of {$2400.00} in order to keep the card current and my spouse and I credit good. 
Comenity Bank CLOSED the XXXX without any notice or awareness via phone call or email. 
Comenity Bank closed my XXXX XXXX XXXX account and said it was a charge off. 
I did contact Comenity Bank when I was made aware of the charge off after receiving an email from XXXX XXXX and XXXX XXXX on XX/XX/XXXX - in which Comenity Bank said there was nothing I could do. And to call back on XX/XX/XXXX to apply for another card. I feel their practice was unfair and it made my credit score drop over 12 points. 
Please help consumers like myself : by Informing XXXX of their unfair acts Hold them accountable for their unfair statements of due to the down system you will be informed in one week, to one month to it's now a new year and we just heard back and made arrangements with XXXX representative. 
As for Comenity Bank - I have been current with payments and still am a good consumer BUT Comenity Bank has Branded Me as a Bad consumer that due to their bad business my spouse and I are suffering with a Bad Branded Name. 
Please help me Respectfully, Credit Score Points dropped low - after trusting the Commenity Bank and XXXX XXXX XXXX XXXX of XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2015 with a balance of {$2200.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: TX
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation