BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Very complicated and in depth situation tat will take multiple agencies to get involved, i don't have enough time or any help left in my situation to see the ending through. 
However, i am trying to get my pensions r a few other things worked out for my daughters before i pass on. This is the only reason i am perusing these issues at all at this time. I'm very weak, and have a have a harder time getting anything done these days. 
My x-husband was named my beneficiary representative by the VA. However he's not doing his job in helping me ou with my financial and medical needs. Instead he's withholding pain medication so I can't get around, not allowing me to access me to use my VA benefits-so he can use them for himself. And diverting my social security monies and other monies such as house into his account. He kicked me out of my house three years ago, and won't let me back. He's collected the XXXX and medical for my daughters with my first x-husband without me knowing since 2007, while i supported the family and had to work overtime. He also started to divert funds at that time. Im scared of him. He has most of my paperwork and my XXXX. Id like to get a blood relative to take over my VA beneficiary and Social Security Beneficiary since we were only married for two years, and his sister change the taxes to say i supported him, when i ws seeing someone else and he had his own bank account. the minute it became ten years he kicked me out of my house and started gaining possession of all my belongings. I'm not even dead yet. Give me a year. 
Anyhow, i have know idea how to look into this, since i need help doing things as it is and he's suppose to be providing that support. 
thanks 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 2018-06-19
Company: Experian Information Solutions 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:
Today XX/XX/18 I attempted to dispute ownership of credit card online only to be instructed AGAIN to call Experian fraud security. Last week several times representatives were either unable or unwilling to connect me to proper dept. to correct bureau error. 
Under the FCRA I'm afforded the right to dispute by any contact means, including online, which is encouraged as a convenient alternative to phone, which bureau can not process.

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 2022-03-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: WELLS FARGO & COMPANY
State: PA
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:
This account has some sort of mix up because I did not authorize anyone to open this account. I remember discussing opening an account with a rep but never went through went the account nor used it. I think the employee opened the account or this is a mixup.

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 2021-01-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I am a XX/XX/XXXX with a PayPal business account for the last 4 years. Due to COVID-19, a number ofXX/XX/XXXX business owners started requesting our website services but business was lost when we recommended PayPal because it was extremely difficult to receive their PayPal funds to theirXX/XX/XXXX bank account. 

In an effort to boost website sales, my business started offering a new service to other XX/XX/XXXXwhich allowed them to convert their PayPal funds toXX/XX/XXXXdollars. How this works is that they would request an amount and we would send them a PayPal invoice for said amount. Once paid, we would withdraw the funds to our XX/XX/XXXX account and send it to their XX/XX/XXXX bank account. 

After three months of running this successful service, PayPal asked for a review of our account due to the spike in revenue. We explained everything to them and withheld no information from them. We have attached the letter we sent to them. We also sent all bank statements as they requested. A day later, our account was permanently limited and our funds in the account were blocked from being withdrawn for the next 6 months. 

We were given no explanation apart from this message : " After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. 
If you have funds in your PayPal balance, well hold it for up to 180 days. After that period, well email you with information on how to access your funds. 
We regret any inconvenience this may cause. '' There is no way to contact them - we have tried contacting them via their website, social media and phone numbers. They will not respond. 

In our research, we have seen in the PayPal community where persons have stated that after the 180 days, PayPal has not released their funds and they still could not get in contact with PayPal. Some even stated along with screenshots that PayPal took payments from their account without their consent. 

I am requesting : 1 ) A review of PayPal 's terms which blocked us from the service we began to offer three months ago - and an explanation ( at the very least ) of why this went against their user agreements. 
2 ) Redress in the form of receiving our hard-earned funds that are now stuck in our account for the next 6 months 3 ) A lifting of the permanent limit on our accountso that we can use our account again. 

It is important to note that we have now also lost the capability to do business with our original website business because the entire account has been permanently limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: MECHANICS BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) XXXX XXXX last four account number # XXXX 2 ) XXXX  XXXX XXXX  last four account number # XXXX 3 ) XXXX XXXX last four of account number # XXXX XXXX XXXX XXXX  last four of account number # XXXX 15 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2020 I sent a certified letter to transunion to have a few inquiries removed. My letter was sent and I was notified Transunion received the letter XXXX XXXX. On XX/XX/2020 I also received a letter stating that they wouldn't be able to assist me with getting them removed. I also followed up with a phone call as well they said they will take a look into my dispute.

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 2020-03-18
Company: Experian Information Solutions Inc.
State: LA
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 received a copy of my credit report and found the following items to be errors.

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 received a copy of my credit report and found the following items to be errors.

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 2022-03-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-03-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to get my free credit report from Experian and was not able to do so with ease. This is a violation of my consumer rights pursuant to 15USC1681h ( c ) ( 1 ) ( B ) ( iv ).

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 2021-03-20
Company: U.S. BANCORP
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:
I filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to US Bank with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed 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 2022-10-13
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:
On XX/XX/XXXX I received a text from a person I thought was My friend XXXX, I told him that he needed {$400.00} XXXX send him via Venmo the amount XXXX had changed his phone number the reason was that some company had the same number attached it an official document with that old phone number BUT... but I still kept THAT old number list on my phone. What I didn't realize that that the text I received came from his old discarded # and that I had sent the money to that # I contacted my friend at a new number, and he claimed he never asked for anything. This was XXXX XXXX after the transaction and the money wasn't taken out of my account by then ... I called Venmo right away and they told me that there was nothing they could do, that the transaction had been done and that I should call my bank... and I did. the bank told me that there was nothing for them to do because the transaction didn't happen yet the money wasn't taken out of my account. the next day XX/XX/XXXX I contacted my venmo they claimed that they will start an investigation and I have the investigation number, ATTACHED is an email from venmo with that number. I also when to my local bank branch and spoke with a fraud person there, and they started an investigation too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Original debt was a Phone bill, that XXXX XXXX was not providing the services I was paying for so I closed the account. 
The Debt Collector has reported and updated on all three credit bureau 's multiple times in 1 month. 
I.C. Systems XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They reported the on XX/XX/2022, then again on XX/XX/2022, XX/XX/2022, and again on XX/XX/2022. 
I took 4 credit hits in the span of 3 weeks for the same 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
Consumer complaint received 2022-10-13
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my GM Card since 2013 and never paid late. I have perfect credit and pay my balance in full each month. Marcus, by goldman sachs bought the GM Card accounts from XXXX XXXX  services in XXXX of this year. After the transition I received notice in XXXX they had increased my credit limit. Then on XX/XX/XXXX I received an email that my account had been closed for no apparent reason. I called that morning and asked why and was told an email with new terms of service was sent to me XX/XX/XXXX and I did not respond. I have no record of this email and the customer service rep stated that was the only email and notice sent. I have all my emails from Marcus and have no record of an email asking to agree to terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My sister was encouraged to take an exorbitant amount of funds out for tuition and room and board, at XXXX University in XXXX, XXXX She graduated with her degree and {$250000.00} in debt for XXXX. She has been employed since graduation making {$30000.00} or less every year. My mother ( her cosigner ) is now burdened by paying over {$2000.00} a month for these loans. She is a nurse and is nearing retirement and is probably not going to be able to afford to retire because of these payments. There is no way my sister can afford $ XXXX/ month when she is only making $ XXXX/month before taxes. After paying taxes and medical insurance, she is taking home less than the minimum payment amount of these loans. There is no option for income based repayment because they are Private loans, not federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage last year and the mortgage was resold to Chase Mortgage. I now have 10 payments that have been misapplied. All 10 of these payments were made by check with written instructions on the check and with an attached mortgage coupon with written instructions duplicated on the mortgage coupon. 

My mortgage is a conventional mortgage and the governing deed of trust is a standard XXXX form. Chase is not following the processes set forth in the deed of trust. 

I would be happy if the standard language in the XXXX form were to be followed as it would have the same results as the written instructions that are not being followed. 

It is my understanding that Chase can only set rules about how they apply payments if I am late on my payments. I have never been late on a payment and some of my communications have been to get them to apply payments correctly before my due date. 

Chase keeps telling me that it is my responsibility to tell them when they need to make a correction, but the misapplied payments are routine and regular ( they have never gotten a single payment applied correctly ). 

I have approx. 30 contacts and communications with Chase mortgage and still have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: ProCollect, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have personally disputed 3 x a debt with Pro Collect collection agency and XXXX XXXX. I moved out of XXXX and received a great response on my move out report. They claimed they had to replace a 10x15 piece of carpet due to a small stain. They refused to show me the video they take on XXXX and refused to give me the carpet with supposed stain and henceforth refused my deposit refund. 
Now theyve assigned the debt to Pro Collect of which I disputed the debt and they failed to validate and prove the claim rather they just send me documentation on original name of Creditor. 
I want this removed from my credit bureau or should I seek legal action?

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 2022-10-13
Company: Experian Information Solutions Inc.
State: WI
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:
Notice the following inquiries on my report. I did not initiate. 

XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Motorcycles/Bicycle Sales and Service XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX Experian XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies XXXX Finance XX/XX/XXXX Experian XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Mortgage Companies XXXX Finance XX/XX/XXXX Experian XXXX DATA Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/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 2016-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Bank of america credit card account, back in XXXX, I had agreed with bank of america to be on a payment arrangement plan for 6 months, representative said {$210.00} per month for 6 months and that will put me in a good standing, all negative report will be updated and corrected, so I made payments in good faith for 5 months, and noticed that my credit report were still showing negative report XXXX days, then the 6th month they called stating representative made a error should have been XXXX per month, they apologize for that error, and now I 'm in the rear of XXXX, however if i make XXXX payment today that would stop them from charging off ... 
this is not my error, as i agreed on their payment arrangements and did make timely payments as agreed ... 
XXXX/XXXX/2016, they contacted my mother, who is not on my account, nor joint owner and disclosed all my information to her and tried to collect the debt, this is privacy act and my account should not been disclosed to any unauthorized person, under privacy laws, Bank of America violated my privacy. I want them to delete this account and file civil actions against them for discussing my personal privacy

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