BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, 2020-funds transferred to a XXXX XXXX in amount of {$500.00}, this was to purchase a XXXX. Upon transfer, I realized this person was a scam. Within 5 minutes, I knew this was a scam as the recipient of the money was no longer able to be contacted. I immediately called the " contact '' number on Venmo 's mobile site. The automated answer stated that due to covid there were no people available to answer phones and to leave a message. I decided to call XXXX XXXX bank and they were available to take my call and I placed a stop payment as the money transfer had not occurred yet. 

XX/XX/XXXX, 2020-receive email from Venmo stated that they " covered '' my funds transfer! I was also notified that my account was frozen. I then responded to email with the information that I had been scammed and was not aware that they would " cover '' my funds to pay a scammer. 

XX/XX/XXXX, XXXXreceive another email from an " account specialist '' stating that " it is in within my rights to dispute the payment with my bank '' ( ie stop payment ) but that I am still to reimburse Venmo. 

XX/XX/XXXX, XXXX-I responded to the XX/XX/XXXX email and received yet another email with " Do any of these articles answer your question? '' Which did not assist me in any way. 

XX/XX/XXXX, XXXX-I login to Venmo online chat service, no resolution. I have that printed transcript from that chat. I stated the issue, that the money sent should not have been sent due to the funds not being there and that they should not have sent on my behalf. 

Since the above dates, Venmo has continued to call me and harass me to pay them money that I do not owe as the person of interest is the scam artist and that they should try and find him. They have since continued to call me and harass me via phone and email. I also had a friend of mine transfer money to my Venmo account ( before I had the chance to tell her not to XXXX and Venmo has taken that money as well. 

The total amount due to me is {$140.00} ( XXXX from previous balance, XXXX for stop payment fee from bank, and XXXX from recent transfer from a friend ). Venmo can seek the XXXX from @ XXXX. If a consumer places a stop payment on their bank account tied to a virtual wallet, the company ( Venmo ) should maybe stop, and reach out to the person who has stopped payment and ask for a reason why to prevent this type of fraud from happening. The constant calls and emails is ridiculous and is harassment of a law abiding citizen who would not be in this predicament had Venmo contacted me to ask the reason for freezing the bank account transfer, but as I soon found out, calling their help line did not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with American Express Serve. 

{$1000.00} dollars was stolen from my account via fraud over several weeks in XXXX in varying increments. I have never had any dealings with the company involved XXXX XXXX XXXX or ever heard of them. I followed their procedure as listed by American Express Serve, and reported the fraud, them submitted paperwork attesting that the charges were fraud. 

I was surprised that the fraudulent charges even went through, as I can not shop at XXXX with out American Express Serve denying the transaction and requesting authorization that it was authorized. 

My case has been denied twice with no explanation, and a note stating that I would have to write a letter requesting the reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NH
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:
n accordance with the Fair Credit Reporting act 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

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 2022-04-06
Company: EQUIFAX, INC.
State: NH
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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: MA
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:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2018-11-17
Company: DISCOVER BANK
State: IL
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:
Discover has bill me and I've never had an account with them. The company is unable to find said account with my information and says the credit companies have to contact Discover to resolve the issue. However when I tried to issue a complaint I was unable to give an account number since I've never had an account. So, I told they can't do anything without an account number. How then can this be resolved since the company can't identify me with my name, address, and full social security number. They only continue to contact me by my telephone number. I can't send any documents because I only have this account showing on my credit report without any explanation as to how it got there and where did Discover get my telephone number, name and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a request to investigate the following entities : Equifax, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and XXXX XXXX, XXXX for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX 's alleged " {$850.00} '' debt reported by XXXX   XXXX to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. Equifax responded by saying that the XXXX 's debt was " reported correctly, '' by XXXX XXXX. 
XXXX XXXX and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/XXXX. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and XXXX XXXX, XXXX have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Recently I applied for a line of credit with the Bank of America. My credit score is XXXX, I have substantial assets, and I own my own home free and clear. The bank advised me yesterday that there was a problem. On a title search it came up that there was an $ XXXX mortgage on my home taken out in 1987 through XXXX XXXX. And there was no release of lien. The problem is, that I never took out a mortgage with XXXX XXXX  located in XXXX, NY. What apparently happened was that XXXX was in financial difficulty. They merged about that time with XXXX XXXX. And then they were taken over by Bank of American. It looks like XXXX " Cooked the Books '' to increase their valuation before the merger. Now I am having a problem clearing my title.

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 2018-11-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Company CareCredit/XXXX XXXX Previous balance XX/XX/2018 {$1700.00} with 1 % interest rate New balance XX/XX/2018 {$2700.00} with 26.99 % interest rate interest charge ( net ) {$1000.00} The math does not add up, why so much?

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 2023-07-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Unverified account. 

This account was removed/deleted from XXXX due to the fact it was unable to be verified or is inaccurate. 

This account still remains reporting with XXXX and XXXX. 

Inaccurate reporting, as the information being reported misrepresents the credit history. 

Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

" In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " 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 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

CAPITAL ONE AUTO FINAN XXXX Balance - CAPITAL ONE XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! 

I have been attempting to get a dispute about a fraudulent debt collections notice resolved and removed from my credit report, as it is tarnishing my credit score and reputation. The " collections agency '' Zions Debt Holdings LLC claims that I have a {$460.00} " past due '' debt balance owed from an " account '' through a company called " XXXX. '' I have never had any financial interaction or otherwise with " XXXX, '' nor have I ever even heard of this company or know what they do or sell. This claim showed up in the mail a little over a month ago and the debt is supposedly from 2020. I have disputed the debt through XXXX, however, the dispute was simply updated, and not removed and deleted from my account. I have researched the company for which the collections agency is claiming that they purchased my " account '' from, and found many serious legal cases of fraudulent debt collections for which Zions Debt Holdings LLC has been sued for in the amount of millions of dollars. This is clearly happening to more people than just me, and has been an ongoing issue for a number of years now, as these legal cases were dated over a span of the last 5-8 years or so. Please tell me what steps I should be taking in order to rectify this fraudulent debt collections notice -- I am about to be a XXXX XXXX just entering the world and the workforce, and a damaged credit score is the last thing I need!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-12-21
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
To whom this may concern, I originally opened an account with the terms that included an account bonus of $ XXXX an email confirmation is pasted below. After completion of both Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening and Enrolled in E-statements by XXXX within the timeframe no bonus was given. Multiple calls were actioned between XXXX of XXXX lead to multiple escalations as well as complaints that were never actioned- this was in addition to multiple dropped calls as well. The account will be closed on my end due to lack of transparency as well as lack of assistance from their end. 

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Hi XXXX, Hope youre having a great day today, my name is XXXX and XXXX be your Account Setup Coordinator for this application! 

XXXX Thank you for choosing U.S. Bank, your application was approved and we have opened the following account in your name : U.S. Bank Gold Checking Account # ending in XXXX ( if you didn't catch the full account # from the application, I can provide it after verifying over the phone ) * We also received your completed signature card, so you may now begin using your account ( I've also attached some tips ) * Product Notes : Note regarding the promotion on your application : XXXX - XX/XX/XXXX / Earn {$300.00} for opening a Platinum Checking / Gold Checking / Easy Checking Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening Enrolled in E-statements by XXXX It's been my pleasure to assist. As your account coordinator I want to exceed your expectations, feel free to email or call with further questions over the next couple of weeks. We really care about your experience with U.S. Bank : There will be a quick survey you'll receive that's specific towards your experience with any of my calls and my emails ; my goal here striving for success is to receive all 9 's or 10 's If you have any other feedback about this onboarding process or feedback about U.S. Bank I'd love to hear about it via email. 

Have a fantastic day! 

Sincerely, Available XXXX EST M-F / *** I hope that you and yours stay safe during this pandemic, I want to make this process as effortless for you as possible / We are experiencing higher than normal volumes and will return your call or email as soon as possible / My manager info as a secondary means of communication in case Im out of office : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Account Setup Coordinator | Virtual Deposit Operations XXXX option 3 use my direct extension 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 2021-06-11
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried several times to settle this matter with this organization. I have received numerous threats by this organization. On XX/XX/2021 I sent an affidavit of truth addressed to the CEO of the company. My affidavit went unanswered to 14 days until i received a letter still threatening repossession action. I have made this organization aware that they do not have my permission to share any of my information with any third parties.No third parties have security interest in the vehicle pursuant 49 USC 14301. The two attaches files will show how this company has ignored my request to settle this matter. They have also threatened me to change the lien holder as well without proving any claims. I requested the company proof of claim. On XX/XX/2021 I received an email which was not mailed to me and in addition addressed to the wrong person. Furthermore I have informed the company pursuant 18 USC 8 that these alleged accounts/ promissory notes are in fact obligations fo the United States XXXX I am now demanding the company to provide to me a more definitive definition of payment along with other questions that were not answered in my affidavit sent XXXX XXXX. Pursuant article 1 section 10 of the constitution debts can only be Paid in silver and gold. I refuse to violate any constitutional laws pertaining to this alleged debt. I also notified Transunion several times by phone whom stated they investigated. Pursuant 1681a ( e ) this investigation was not obtained through personal interviews with any neighbors, friends, or associates. NO such Investigation was done if so please produce to me result of investigations and interviews conducted to verify this alleged debt.

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