BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not mine. When I contacted the company I did n't have an account so I was told to enter my phone number. When I done that there was no account listed for me. I 've left many voicemails with the company but they never call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal and XXXX XXXX are illegally holding on to our former client XXXX XXXX paid and duly earned retainer fee of {$5000.00}. First this former client claimed she paid twice, which was proven to be a lie. Then she claimed she never received legal services, even though we provided a signed retainer contract plus a detailed itemized billing statement showing she did in fact receive legal services. PayPal and XXXX XXXX should not be allowed to replace the courts or judiciary but should only make sure that the client signed the contract and received the services. Please investigate and advise. 

Big Tech Payment Systems Are Slowly Replacing The XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, there were three ( 3 ) unauthorized transfers of money out of my wife and my Bank of America accounts using XXXX. I called Bank of America to report the fraud/unauthorized XXXX transactions XXXX XXXX. Bank of America provided me with a claim number, locked our accounts and assured me that they would do an investigation. The three ( 3 ) unauthorized XXXX transactions were unusual since I did not use Bank of America to transfer monies out of my account using XXXX to this criminal ever. My wife and I did not add this criminal or his/her cell number or email address to my list of XXXX Recipients XXXX I never transferred such large amounts using XXXX nor have I or my wife ever sent anyone money using XXXX muliple times in one ( 1 ) day. It would be easy for Bank of America to flag such unusual activity on our accounts. Yet, Bank of America instead of safe guarding our money, permitted this fraudulent activity to take place. Even when provided with an XXXX Police report, Bank of America chose to protect themselves rather than protect my wife and I. This was a crime and Bank of America has refused to restore the money that was stolen. 
From acct # XXXX {$1000.00} stolen on XXXX {$200.00} stolen on XXXX From acct # XXXX {$300.00} stolen on XXXX I filed an police report with XXXX and a Identity Theft Report with the Federal Trade Commission. I provided these items to Bank of America by email on XX/XX/2022 and by Fax on XX/XX/2022.

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 2017-09-14
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Discover Payment Protection service fees were added to my account without my consent. There is no evidence or record of me agreeing to this service that they have been charging to my account since XXXX. A total of {$890.00} of this specific Payment Protection fee has been collected by Discover from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I called today ( XXXX/XXXX/XXXX ) at XXXX PST and spoke to a representative in XXXX XXXX XXXX XXXX UT who cancelled this service per my request, but she claimed I had signed up for Payment Protection but did not provide proof of enrollment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXXXX/XX/XXXX {$4800.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$810.00} XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXX/XX/XXXX {$72.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX  XX/XX/XXXX {$520.00} 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-08-13
Company: LEXISNEXIS
State: UT
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 HAVE CONTACTED XXXX AND XXXX AS WELL AS LexisNexis TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX  ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO TRANSUNION THAT PER THE FAIR CREDIT REPORTING ACT, PORTFOLIO RECOVERY HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE OR A COPY OF MY SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting Portfolio Recovery delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX and Transunion directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1600.00} Acct no. 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-02-23
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was approved for Income Driven Repayment plan with a XXXX  a month base on my income and family size but now Im in school. While I was approved for IDR it shows that I was late which I was not because I had a XXXX monthly payment I always reinstate the plan before time so I wouldnt have problems or be late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a card that I get money sent to as rewards from a manufacturer we use. Back in XXXX XXXX XXXX XXXX I got into that account and found that there were {$340.00} in fraudulant charges on the card. I filed a dispute that day ( XXXX ), case # XXXX or it could be XXXX XXXXXXXX ( I can't read my own writing lol ) I called back in XXXX to check the status of my dispute and nothing had been done. I called back again on XXXX, and still nothing had been done. The gentleman on the phone said he would escalate my case and that I should have an email in 24-48 hours. It's now XX/XX/ and I have never heard back from anyone, nor have they refunded my money. This company just completely ignores their customer when there is problem, and that's if you can get through to someone. That's a nightmare in itself. 
The website on the back of my card is MyPrepaidCenter.com and the phone number is XXXX and the card that I have is a XXXX XXXX XXXX. Please feel free to call me if you need further information. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: ATKB PORTFOLIO MANAGEMENT, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a call about a payday loan thats over 2yrs old. The caller from XXXX XXXX XXXX XXXX stated they were taking legal action and sending over paperwork to my local county office for legal action. I originally set up a payment arrangement in XXXX, but then my bank started declining the transaction. Called the company I received the loan from were they verified that I was eligible to reapply for a loan with them. Which meant that I had already paid them what was due. On top of calling the real XXXX XXXX XXXX XXXX where not only did they verify that the caller was not an employee there, but the CEO of the company itself said he stopped this business and the name over 3 yrs ago. Its sad during times like these that there are people out there pressuring citizens with legal action to pay a debt. The company that was trying to withdraw from my account was ATKB Portfolio XXXX. And the senior associate that advised that she was sending the documentation over to my local county name was XXXX XXXX. When I tried calling back on XX/XX/XXXX the voicemail went to a XXXX XXXX  XXXX. Which is not XXXX XXXX XXXX XXXX or ATKB. The number that they kept calling me from is XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I noticed a monthly charge of {$16.00} on my XXXX  XXXX XXXX credit card statement for Experidan Credit Report dating back to XXXX of 2019. I do not know what this charge is for and assume it is some time of credit monitoring service. I do not want credit monitoring and NEVER signed up for any such service. I ran a credit report around XXXX and think Experian might have unilaterally added this service. 

I called the Experian toll free number on my credit card statement and the automated system had no record of my having any type of account with them. I tried many different options to speak with a live person but their phone system is a total joke -- it was impossible for me to figure out how to speak with someone.

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 2018-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX   XXXX, the courts ruled each and every time that the CRA couldnt  merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # 's XXXX, XXXX Account name : XXXX XXXX XXXX Account # 's XXXX Account name : XXXX XXXX Account # 's XXXX, XXXX These accounts have 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 : states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.

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 2021-10-04
Company: WELLS FARGO & COMPANY
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to WELLS FARGO. requesting information on an alleged debt they are reporting and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

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 2023-08-20
Company: EQUIFAX, INC.
State: GA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX  Account type Note Loan Payment summary 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  - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$1600.00} Monthly payment - Last payment date XXXX XXXX XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Dream Center Education Holdings
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attended the XXXX XXXX of XXXX XXXX for two quarters in XXXX and XXXX. My mother co-signed with me for loans totalling {$9900.00}. This money was never seen by me it was transferred into escrow by the XXXX XXXX for a company called XXXX XXXX. I with you after my second quarter, and the campus I attended closed down shortly after that. The contract I signed clearly states that withdrawing entitles you to a refund so I am unsure as to why I am receiving a tax lien for the entirety of the debt. We even made a payment for the first two quarters, for almost {$3000.00}. I have sent numerous emails and attempted to contact by phone anyone from the XXXX XXXX that could assist me but have not received any replies. 
Credit report information : US Dept Ed. XXXX**** 36 months Derogatory XX/XX/XXXX Current balance : {$2600.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$4800.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$1300.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$1700.00}, opened XX/XX/XXXX, closed XX/XX/XXXX

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