BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The account agreement with XXXX by Goldman Sachs states that wire transfers will be considered same day if received by XXXX XXXX CT ( XXXX XXXX XXXX   ) page 19 bullet 3. 

This is also repeated on the website " Wire transfer requests made after XXXX XXXX E.T. or on a non-business day will not be processed until the next business day. '' ( XXXX XXXX XXXX ) However, when calling the bank they said their business policy was actually XXXX E.T. and in discussions with a supervisor in customer support they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: WI
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:
The credit bureaus Experian and XXXX  have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.

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 2020-10-30
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I noticed unauthorized activity on my CashApp account. There were multiple failed charges of {$250.00} and {$500.00}. There were four charges of {$250.00}, totaling {$1000.00}, and one charge for {$1000.00} that was successful. I contacted my bank and they opened a fraud case. The bank ( XXXX XXXX XXXX XXXX XXXX XXXX, reclaimed the temporary credit they issued and informed me that the charges came from my IP address. Upon further investigation, it became known to me that it was a family member that had access to my account, and tried to purchase a piano, however they never received the piano, the seller never sent the shipping confirmation and never shipped the piano. It was a scam. So I notified my bank and they informed me that they can not issue the charge back to cashapp for the same charges and that since they already issued the charge back as fraud, they can not re-issue it as a dispute. They told me there's nothing else they can do and informed me that the best thing to do was to contact CashApp, or take the seller to court, but we can not take the seller to court since the information they provided was fake. I tried to contact CashApp multiple times but no one ever responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2017 Portfolio Recovery Associates XXXX added a derogatory mark on my credit report per XXXX, Upon, further research, this account was transferred / sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to the FRCA, Portfolio Recovery Associates XXXX has violated my rights as a consumer and I'm requesting legal action to remove this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
Company: AXOS FINANCIAL, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously had a mortgage loan with Axos Bank on my primary residence. That loan was paid in full ( through a refinance with another lender ) on XX/XX/2020. 

Since that time, Axos Bank has continued to auto-debit mortgage payments from my checking every month on approximately the XXXX of each month. Thus far they have taken five payments from my checking account *since the loan was paid off*. After each debit, they do send a check to reimburse the amount, but it takes about 3-4 week to arrive. 

I have attempted to resolve this issue with Axos Bank multiple times. Each time they promise the checking account auto-debit has been taken care of. 

I would like these debits to immediately stop, as well as Axos Bank to pay me interest on the debited funds, and a penalty for my time and trouble resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: MD
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 have filed several reports with Experian concerning XXXX XXXX agency. I have also sent letters to XXXX. They have not properly validated the debt and each time that I filed a dispute with Experian. On XX/XX/XXXX I filed a dispute with Experian and they responded back two days later that the company said it was verified which was XX/XX/2018. I later called Experian and spoke with a representative and she said this is done by a computer. How are they investigating anything if it's done by a computer? On the XX/XX/XXXX I then filed another dispute regarding XXXX XXXX XXXX and how they did not respond to any of my letters in the 30 day FCRA and it came back verified with Experian again. They have not provided viable evidence bearing my signature or provided me copies of any documentation associated with this account, bearing my signature. Given that I believe they are acting in bad faith, and have not complied with the federal and state laws.

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 2021-08-22
Company: Experian Information Solutions Inc.
State: CT
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:
ACCOUNT NUMBER : XXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 


BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. 

United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.

Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 


ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM

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 2018-10-22
Company: Uber Technologies Inc.
State: GA
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 never had a Uber account and now when I try to sign up for a Uber account it won't let me. My cell phone number is XXXX. It is highly unfair to 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 2022-06-14
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to the three major credit bureaus. I submitted my dispute on the XXXX of XX/XX/2022, today is XXXX XXXX according to the policies listed with these bureaus I was supposed to have a completed investigation by now. For my dispute submission, I sent in copies of my full credit report with highlighted and circled incorrect information, including a cover letter stating what I was disputing from the bureaus.

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 2021-11-30
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i first contacted Lobel financial corp about the fraudulent account on my credit report. it was removed from XXXX but still remains on XXXX, and XXXX. I have been a victim and been fighting identity theft since 2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, the consumer XXXX XXXX entered into a credit transaction sale in 2015 with DISCOVER CARD. I extended my credit to them by way of 15 USC 1602 using my social security number. This is a finance charge in which is the sum of all charges. DISCOVER is continuing to use abusive tactics trying to collect a debt that was already paid. I've sent three cease and desist and three Affidavits of Truth and DISCOVER refuses to stop contacting me in reference to a debt. This is also a violation of my federally protected consumer rights in which is 15 USC 1692. DISCOVER has also violated my privacy on several occasions by reporting my information to credit reporting agencies without my permission. DISCOVER has never given me an opportunity to opt out of being reported in which is in violation of 15 USC 6802. DISCOVER has caused me financial injury and has ruined my reputation in which is in violation of 15 USC 1681b. I want this harassment to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023, I filed a dispute with Venmo after having a {$50.00} fraudulent transaction appear in my Venmo account. The dispute was resolved but my account was frozen. To unfreeze it, I was asked to change my password and re-submit a copy of my Driver 's license, which I did. It's been more than 6 months and my account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX had a little over {$55000.00}. Every time I would check my balance kept getting low.

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 2022-06-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. {$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services

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 2021-01-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, my current mortgage managing company NewRez which doubles as a collection agency ( which XXXX XXXX, our original mortgage provider, sold my mortgage to ) received by overnight mail two months worth of mortgage payments by a non-profit. I called the customer service number to verify receipt, which they confirmed, and to remove auto pay from our account. NewRez stated my next payment would not be until late XXXX. On Tuesday XX/XX/XXXX, NewRez without authorization or consent withdrew {$10000.00} from my bank account. I immediately called them and asked why this had occurred. The team lead at the customer service apologized and stated it will be credited back to my account that night. On Friday XX/XX/XXXX, with still no credit showing, I called back and spoke with another team lead who stated that the credit request submitted on XX/XX/XXXX was completed incorrectly and that she would submit a correct credit request, however, it would not worked on until the following Monday since the department that deals with credits was gone for the weekend. I asked her if there was anyway I could get the funds credited to me that day or a checked sent overnight to me as this was NewRez 's mistake through no fault of my own. She apologized and stated there was nothing else she could do. With no further options available with NewRez that placed me in a severe financial strain during COVID, I contacted my bank to dispute the unauthorized charge made by NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: MI
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:
These inquiries were added to my account without my consent. I mailed the credit reporting companies and have yet to receive a response and its be 40 days as of today. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
Experian got 5 letters for 2 coections that are totally wrong. I send first letter stating company " XXXX XXXX XXXX XXXX. '' was blackmailing me. I sent them info showing it was paid and veteran administration pays all medical bills no matter what is the problem. 

2. I sent legal papers stating under FAIR CREDIT REPORTING AGRNCY SECTIPN XXXX AND XXXX ( XXXX XXXX AND WHAT BILLS WERE EXACTLY FOR SECTION ) THAT THEY TO HAVE TO PRODUCE THIS TO STAY PN CREDIT REPORT. I DIDNT GET BACK ANYTHING IN MAIL AND AFTER DAY OF DOUNG ONLINE YOU COULD TELL ITWAS FROM CUSTOMER SEVICE IN DIFFERENT COUNTRIES. THESE HAVE BEEN PSID TO ORIGANAL MEDICAL FACIKITY AND 3RD RATE BILL COLLECTER IS JUST SCAM ARTIST. AFTER 49 YEARS THEY ONLY HAVE 2 COLLECTIONSVON ME FOR KUTTLE AMOUNTS? YESH RIGHT. AFTER 30 DAYS THESE NEED TO COME OFF EXPERAN CREDIT REPORT AND NEVER COME BACK ON. FIRST THERE HAVE BERN DOUBLES IN ALKVTHE BILLS THISC " ACSE '' SENT THEM. THEY NEVER SENT ME ANYTHING AND HANG UP WHEN I CALL. THETY WANT CASH FOR BILLS ALL READY PAID. BIT EXPERIAN IS WRONG AND HAD YEARS TO TAKE OFF. I WILL GO CIVIL BURT THEY KNOW RHEY HAVENT DOBE JOB ANSD THEY CAN TAKE OFF BECAUSE RHUS WAS DURING MILITARY duty.

Experan needs to take off 2 colkections because they didnt send back fair credit reporting agencies XXXX XXXX XXXX  or XXXX  Especially XXXX  and XXXX  that i gavevthem 5 timed to send back. They dont have information to keep this on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX pa 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 2023-11-23
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trying to collect debt that is past the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the investigation request my husband and I submitted on XX/XX/XXXX. Over 30 days have passed, and we have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CITIZENS FINANCIAL GROUP, INC.
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:
I went in to open a student checking account for my son. I said I wanted to open one for myself too. She did his first and it took awhile for them to figure out how to access his account online. By the time we did mine I forgot to ask about special for {$400.00} for opening a new account. Since she did mine the same time she said it was online only and since now I have an open account with them I dont qualify. This is not acceptable, I just opened it and should have gotten or allowed to get special advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: GA
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 Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, XXXX Account Number : 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.

Company response to consumer: Closed with explanation