BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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:
I did not authorize or give direct consent to any companies or third parties to access information on my consumer reports which withhold pertinent information. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because of my right to privacy has been breached this has caused me a great deal of emotional distress. EXPERIAN is conspiring with the furnished company in the continuing violation of my constitutional protection rights. The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached FTC fraud reports and FTC Identity theft reports, Affidavit of truth and my identification to prove it is I, who has submitted this complaint. 

I will be sending a copy of this CFPB complaint to the Attorney General and all attached documentation as proof that EXPERIAN, CEO and Registered Agent has been made aware of the consumer laws being violated.

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 2017-05-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Saturday   XXXX   XXXX  , I agreed to transfer tickets to someone for a concert in  XXXX , FL. The agreed upon price was {$1600.00} for  four tickets. The buyer wanted to send me payment via VENMO, which is marketed  by the company to be a safe and secure way to send money easily fro m one perso n to the other. In my previous experience of using the app, I agreed with this.     The person sent me  eight  {$100.00} transactions and  one of  {$800.00} for a total of {$1600.00}. The VENMO app then reflects the amount that you have in your VENMO account in green font and with a plus sign- example : + {$1600.00}, therefore, it APPEARS as if you have instant money. You then have to transfer the money to your bank account which takes  2-3 day s.     It is not until the transfer process begins that VENMO actually begins to verify the funds. I contacted them via help chat expressing my concerns that I was possibly scammed and was basically told to just wait and see what happens to see if the money goes through to my bank. I then received an email from VENMO abou t 2-3  days after the transaction basically informing me that I had been part of a scam and that they were n't at liberty to say how I was scammed but that I indeed was part of a scam, there was nothing that they or I could do, it also said to basically be careful next time, only use the app with people that I know, and that I was out of luck to recover my {$1600.00}.     After complaining to VENMO and demanding they remedy this issue, they responded back by saying they will be permanently deactivating my account, will not offer anything, and will not answer future inquiries.     My main issue/grievance with VENMO is that they are very deceptive in their marketing tactics and exactly how the app works. The " money '' shows from one user 's account to the other " instantly '' and appears to be clear and readily available for transfer to the user 's bank account.     I want VENMO to be more transparent in how the app works and I want them to make me whole again by providing remedy to me in the amount of my loss, which is {$1600.00}.     Thank You,  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 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying XXXX XXXX of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however XXXX is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

XXXX has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Professional Credit Management, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested to validate the alleged debt on  XXXX / XXXX /   2017  via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Professional Credit Management r eceived the registered letter on  XXXX / XXXX / 2017 . It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefo re, Professional Credit Management is il legally reporting an invalid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have return this item to XXXX through XXXX locker system. I was told required time was needed till item would be received and return would be processed. A couple of weeks turned into months and no refund was issued. I contacted XXXX customer service via application and using chat service explained my situation. I was yet again told the item would be reported to a higher chain and investigate further. I didn't here from XXXX again. I then contacted my credit card them for a dispute of the credit. I was charge for a return item and no credit had been issue. My credit card company chase XXXX credit card was able to provide me with a refund, but quickly after a couple of weeks pass XXXX rebilled me for the returned item. I don't know why I was rebilled and later went back to the chat for custiner service and XXXX advise me they would report this to the higher UPS. I was again made to wait for a email response. When I received the the response email it wasn't clear as to whom I had to return information to. The email ask to reply to questions but until later I realized I was answering the reply to the wrong department ; I was told I was out of time when i coreect my mistake and could not pursue a refund of credit. 

Incident Report 1. Order number : XXXX XXXX. Today 's date : XX/XX/XXXX XXXX. Date return item was shipped : XX/XX/XXXX XXXX XXXX 4. How did you ship back your return? ( XXXX pickup, XXXX drop off, mailed with XXXX  or United States Postal Service, XXXX, XXXX Mail, etc. ) : XXXX locker 5. Description of the item returned ( item name, color, size, quantity, etc. ) : XXXX XXXX XXXX XXXX Cellphone 6. Have you experienced prior issues with returning items to XXXX? Never, this is my first time Sent to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: FinCo Services Inc DBA Current
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 My ssdi was deposited in my account at XXXX am and at XXXX pm my account was charged XXXX from XXXX XXXX at an apple store # XXXX receipt XXXX this is an ATM vending machine. So I called the bank right after I seen this.XXXX  at Current bank told me that I was hacked. There was another phone number on my account. So she changed it then I was told because it had a 10 day hold. I had to let it go. I called everyday and they would not transfer me to a supervisor. XXXX the manger on XX/XX/XXXX th was suppose to call and still waiting. So they would bot transfer me to the fraud dept .so I kept calling was promised an update never happened. XXXX did close my virtual card and I told her that I didn't want it. I didn't even know it was there. I have asked nowb4 times for there notes and I requested a hard copy to be mauled NOTHING email or anything mailed to my house. The decision was thus is what my email said card kept active I ( haven't activated it. ). .UT, token provisioning Yellow No error found case closed.. Thus was an unauthorized charge I don't understand how this could be. The service I received was horribke. I have to calls XXXX XXXX to talk to Current bank. This was all my money..haven contacted XXXX XXXX that's when u was told that it was an ATM  vending machine.I don't even have an as poke accoynt. I have asked them again for the investigation report still nothhing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
1. XXXX XX/XX/2022 : Wells Fargo wont send a transfer. The requester suggest XXXX, as we both have accounts at Wells Fargo. 

2. XXXX XX/XX/2022 : send {$1000.00} through XXXX at Wells Fargo to my landscaper. 

3. XXXX XX/XX/2022 : send an additional {$220.00} through XXXX at Wells Fargo to my landscaper. 

4. XXXX XX/XX/2022 : Wells says the payment was rejected. 

5. XXXX XX/XX/2022 : Wells says that the money was received. I file a complaint with Wells Fargo because the landscaper has not received money 6. XXXX XX/XX/2022 : Wells Fargo says it is up to XXXX to make good on the missing money. They give me the 800 number. 

7. XXXX XX/XX/2022 : XXXX says it is Wells Fargos responsibility to refund my money. 

8. XXXX XX/XX/2022 : Wells Fargo says the money was debited and is unreturnable. Another person has opened a XXXX account to take my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is in response to Capital One'sletter to me via XXXX  to clarify why they randomly closed, reopened and then closed the bank account that I and my brother share in XXXX XXXX XXXX . My brother, who is XXXX went to the bank at the first of the month as he always does. He was told his account had closed. They was no attempt to rectify or explain. He had benefits check denied by the bank and then sent back to various governmental agencies and for the three months we have tried to track them down to resend. We are still out {$87.00}. If XXXX XXXX XXXX couldn't figure out how to re open the account we thought the XXXX XXXX XXXX branch could. Not. Worse yet they said they could. There were some good guesses as to why it was closed in the first place. Minimum at XXXX dollars for 4 days, maybe?. Accident? Glitch? Corporate tried to reopen it too. They opened and closed account twice in three days. All the wile governmental checks coming in and being rejected.. After dozens and dozens of calls to SSA, corporate, local banks I was still at square one a month later. I finally found CFPB which I hoped would investigate and deal with Capital One accordingly. Apparently not. They simply put me in touch with someone at the bank and act as a mediator. Sort of an anonymous and non threatening way for Capital One to receive and respond to complaints. " XXXX '' responded in writing to my first detailed complaint to CFPB. His letter indicated no last name or title and I'm not even sure where it came from? It does however read in summation '' " .. We may close any account in our sole discretion at any time, for any or no reason and without noticed to you.. 
noticed? have to love the person who edited this response. ) I called several times before he answered. XXXX reiterated this disclosure, disclaimer information. He was sorry his employees couldn't provide me with the Rules of Accounts from when I opened it but he would send one now. He was " also sorry for the miscommunication and incorrect information from both corporate and local bank and the lapse of procedure in notifying my brother of the pending closure .But once again, given the terms of the bank 's responsibility they can do whatever they want whenever they want. Its bad enough that they have this privilege but given their incompetence and this lack of accountability this is just a recipe for disaster waiting to happen to your bank account!!!!!. RUN from Capital One!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
PURCHASED HOMES XXXX AND XXXX ON REPAYMENT PLAN AND LOAN MODIFICATION SINCE BANKRUPTCY DISCHARGED XXXX MY CREDIT SCORE KEEPS GOING DOWN, ONLY HAVE 2 REAL ESTATE LOANS, NO CREDIT CARDS OR REVOLVING ACCOUNTS, NO OPEN ACCOUNTS, YET CREDIT SCORE WENT FROM XXXX TO XXXX IT SHOULD BE GOING UP NOT DOWN .... PLEASE ADVISE ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: MI
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2017-05-10
Company: TRANSUNION INTERMEDIATE 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: Problem with personal statement of dispute

Complaint:
I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score has ch anged ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

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 2023-04-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I checked again 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 inquiries ( A ). It is not permitted to report these inquiries 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 deletion due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a company called  XXXX  made an inquiry on my experian credit report on   XXXX   XXXX   XXXX   I do not know who they are. I have disputed it with them but they claim it was a valid pull.

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 2023-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello dear CFPB, Im a full time employee and I deposited my paycheck to my checking account at WELLS FARGO bank XX/XX/XXXX, Monday. Today is XX/XX/XXXX, and my funds arent still available. All this time I cant pay my bills and any living expenses. Today is my payment day for WELLS FARGO credit card. I dont have any money to pay this card payment. Im going to miss my payment and they charge me late payment fees. Good business to keep people earned money to earn their own money, isnt it? It breaks UDAPP Act at least. 

Could you please conduct investigation on WELLS FARGO shadow and criminal practices on earning by unlawful holding of their customers deposits. Thank you!

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