BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " XXXX XXXX XXXXXXXX '' made an inquiry on XXXX XXXX XXXX. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my experian account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the XXXXXXXX XXXX Mobile App. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the XXXX XXXX XXXX  Assistant. Download our app today. 
XXXX  on the XXXX XXXX, Get it on XXXX XXXX  About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing XXXXXXXX XXXX '' When I tried to call the number foXXXX XXXX XXXX it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with Bank of America, also on XXXX XXXX XXXX. That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on experian. 

I XXXX  " XXXX XXXX XXXX as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.

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 2022-04-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I attempted to buy an item from an online vendor. As part of the checkout process, I submitted a {$500.00} payment via Venmo. As it turns out, the website was part of a very sophisticated scam. 

Upon realizing that the website was essentially fake, I reported the scam to Venmo. For its part, Venmo escalated the case, but was unable to reverse the payment due to company policy. 

Therein lies the problem : ( 1. ) What steps has Venmo taken to prevent this type of fraud? 
( 2. ) How many customers must be victimized until fraudulent accounts are barred? 

As far as I'm concerned, Venmo is complicit in this scheme if others had filed complaints, yet nothing was done to protect users like me from fraudulent activity. 

From my prospective, Venmo could benefit from increased CFPB oversight to prevent " loopholes '' and protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: LA
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2022-04-29
Company: U.S. BANCORP
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:
I paid ( via Banks Bill Pay ) {$150.00} from my Opus Bank ( Pacific Premier ) checking account ending XXXX to XXXX 's credit card ending XXXX. This amount of money is stolen by Opus Bank ( Pacific Premier ) or the XXXX Credit card company and it is missing for ever, no where to be found. I called Opus Bank ( Pacific Premier ) and XXXX, they provided no help. Both are run by hardened criminals and bandits, who are engaged in Electronic Fund Transfer Fraud & Wire Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Westlake financial is not honoring my gap insurance that I requested on their website ... My contract at XXXX XXXX was to pay them XXXX dollars a month ... After I created a account to pay on their website my payment increased by XXXX to XXXX ... my car was total due to a hail storm. On XXXX XXXX.. GXXXX has paid them XXXX and I have a ball of about XXXX left to pay. Pler help me resolve because Westlake is telling me the XXXX is or was being applied to the loan. I did not agree to that. Next I got a issue with XXXX XXXX for the XXXX warranty they put /applied to the loan... XXXX XXXX has informed me that it is normal procedure for them to send the refund to the loan company .... Is this the right thing that is happening to me. I am desperate need of help with both these companies.. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
XXXX  XXXX Account : XXXX has been in violation for a long time now after several letters to Experian . 

XXXX XXXX Account XXXX was XX/XX/2022 with Experian and XX/XX/2022 with XXXX, XXXX Deleted this account for being in violation. 

Also this account has never been " Last Verified '' by any bureau after several attempts which is a violation. DATE REPORTED and HIGH BALANCE were wrong, EXP had high balance of {$10000.00} and XXXX had {$0.00}, XXXX deleted already. 

XXXX deleted the account for being in violation like XXXX did earlier and Experian still is reporting this account. Til Today Exp still has NO LAST VERIFIED date, their XXXX is incorrect as well as high balance, Date Reported is wrong as well. Please see attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to formally dispute the reporting of the charge-off status for the above-mentioned account on my credit report. I believe that the charge-off status as reported is inaccurate and not in compliance with applicable consumer protection laws. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is required that accurate and up-to-date information is reported on consumers ' credit reports. I understand the importance of maintaining accurate information, and I wish to ensure that my credit report reflects a true and accurate representation of my financial history. Furthermore, I would like to bring to your attention the Internal Revenue Service 's guidelines regarding charge-offs of debt. The IRS defines a charge-off as the creditor 's determination that the debt is uncollectible and is treating the debt as a loss or expense. This determination does not relieve me of my obligation to address the debt, but it does impact how the debt should be reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with XXXX numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by XXXX 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Reach Financial LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent at least XXXX and more than likely XXXX emails to the company to see what I am paying for monthly for the next XXXX years. I never received an answer as to what debt is being paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting 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:
On XX/XX/2023, XXXX placed a hard inquire on my report that was unauthorized. I am concerned that this may be another incident of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated school in   XX/XX/XXXX   I was under pressure to go school back in  XX/XX/XXXX . My mom and dad cosigned my loans. My mom was paying the interest on several of my loans while I was in school but the loans barely decreased. After coming out school she was paying what she could while I found a job. She  XXXX    XX/XX/XXXX   since then I have been unable to pay the amount asked which is over $ 1200/ month. Earlier in  XX/XX/XXXX  Navient threatened to sue and take me to court. Unless I made 3 consecutive payments at  XXXX / month. I was not told my account would automatically be debited. My dad helped me make a few payments which he barely even had. Since then they have been trying to take money out. I called in to complain one month where the automatically took money which was supposed to be used for rent I almost got evicted that month. I do n't make enough and I keep telling them that but they wo n't let me pay no less. My debt to income ratio is insane. They have harassed my phone several time which caused me to switch numbers several times they used to call my mom while she was at work she never included her work phone number on the application so we are unsure how they got it. They also call my dad who currently lives in  XXXX  consistently whenever a payment is missed. When we would make payments they were supposed to spread it across all loans but they would only do it on a couple and then harass us over the rest and we would have to call them and tell them it was supposed to be across all loans and then they would fix it. This happened several times which damaged mine and my fathers credit drastically.   XXXX   XXXX  /Navient has tarnished our credit so bad he is unable to refinance his house and is paying an outrageous amount on interest on his house. I ca n't even rent a new apartment at lower rent because I do n't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The amount claimed owed was removed from credit report as a result as identity theft I have talked with company numerous of time and this file keep being added to my credit report. on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, they have been failing to comply with the FCRA and all information on account is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I transferred a {$5000.00} balance to my Chase Freedom Card in XXXX this year ( 2020 ). I was charged {$150.00} for the transfer and the interest was to be 0 % for the rest if the year. 

I continued to use the card and pay it off monthly like I did before the balance transfer, but last month was charged interest on the purchases even though I paid off all purchases before the statement due date. I called and the person I talked to said that as part of the balance transfer purchases now accrue interest daily instead of monthly and she would reverse that interest charge. 

I looked at my statement today and was charged even more interest then I was last month. Looking closer my payments for the purchases are going toward the {$5000.00} balance transfer. My current balance transfer is {$4500.00} .... 

This is extremely misleading and I was lied to on the phone by the women who didn't tell me that payments first go to the balance transfer, she said the interest was because there was no grace period now, it started daily. 

I would never have done the balance transfer or made any purchases after doing the balance transfer if I knew this was how the card worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: AMERICAN ADVISORS GROUP
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I sent a prepayment to the company that holds my reverse mortgage. I had to get the check, enclose a statement and then mail the check for the prepayment to them. They did receive it. 
I want to pay them monthly through my banks bill payment system, the way I automatically pay my utilities. The reverse mortgage company will not allow this ; I am required to get the check and manually mail it each month. My complaint is why can't they just accept these automatic payments from my bank like my gas or water utility company would? 
Why do I care? Because it is time consuming and I am busy trying to make a living so I can pay off this reverse mortgage so my heirs can have something.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX my credit file was flagged with a collection or debt in the amount of {$1500.00}. This is a false debt as I do not owe this debt by no means. 
Also, professional debt has a consent order in place from the State of CT indicating they are not licensed to act as a debt collector in the state of CT. Which they are in violation of this order. Which this consent order is attached to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Credit inquiries on your report that you don't recognize

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. 
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 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. 
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 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 2022-04-13
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). XXXX XXXX is stated as the company owed in the papers received with XXXX Attorney, XXXX collecting the debt on their behalf. 

I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with 3 Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. 

The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation