BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of account/item which do not belong to me or were opened without my permission.

XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called in to American Express to have my account closed and it never was. I have now been charged {$120.00} for 3 years which I would like refunded which is a total of {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found an ad on XXXX for tickets to a basketball game that were very cheap. The seller asked that I pay using Paypal and that they would send me the tickets electronically. Since I knew Paypal to have guarantees against fraud I went ahead and sent the money via their mobile app. No tickets were forthcoming. 
It turns out that the scammer asked me to use Paypal 's " send to friends and family '' payment option which does n't offer said fraud guarantees something that is n't noted in the sending money process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received medical service by a covered provider on XX/XX/XXXX. The provider sent my labs to an outside company by the name of XXXX XXXX XXXX. In late XXXX of XXXX, I received a collection notice for {$620.00} adjusted down to {$500.00}. The collection company is Keynote Consulting. They called me to collect on this debt before they ever mailed me anything. I told them I was not comfortable paying anything over the phone, and did not have any bills I was Aware of in collections. I never received a bill in this amount from XXXX XXXX XXXX ( XXXX ) Keynote Consulting provided me with verification of debt in the form of a bill that was dated XX/XX/XXXX, XXXX months after the date of service. The bill has a line item/note that made it seem as though maybe my insurance denied the claim in XXXX, however my insurance never received a claim from XXXX, which is now out of business ( as of XX/XX/XXXX ). I am trying to explain this to Keynote Consulting, and have attempted to reach out to XXXX via email ( only received 1 response from them, so I know they received my emails but they did not Provide me with the proof of filing to my insurance as I asked ). There is no longer a working number for XXXX, and Keynote Consulting has told me they are in contact with XXXX, but refused to help connect me to them to get this resolved. My insurance company states that if XXXX did not submit a claim, I can not be helped responsible for the bill they would have otherwise been covered. Keynote Consulting says there is nothing they can do, and will send me to collections if I do not pay.

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 2016-06-02
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended California School XXXX XXXX XXXX XXXX XXXX XXXX program from XX/XX/XXXX - XX/XX/XXXX. I believe in XX/XX/XXXX a lawsuit was placed against them for fraud and misrepresenting graduating income and job placement. I have not been a position to afford the payments and the amount that is owed. I have felt that the only way to try to overcome this is being placed on the income based repayment plan, but not all the loans can be placed on this program as I also have private loans with Navient as well. I am overwhelmed with debt and have a degree that will not ever make a large amount of money to repay the loan. I feel that I was pressured into signing up and also feel that the school lied to me about the amount of money I would make finishing the course and how easy it would be to repay my loans back. I also feel that they lied about their success in graduates. They have since closed their doors I believe in XX/XX/XXXX. I would like some assistance or guidance if there is anything I can do to better my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate By the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-01-06
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
loan was paid off early via an insurance check for hail damage to the vehicle which I had repaired prior to receiving the insurance payout. Payoff of the loan was in 2018. After payoff the title was never issued. Someone in their company entered the vehicle in their records as a total for the {$4500.00} ( value still above $ XXXX  ) but this was NOT what they were told at the time of the payoff. They were told the correct reason as I described above and I specifically made sure to mention I wanted them to issue the title upon the check clearing. 
I have tried 3 times in the last 2 months to get the title released to me, even having my insurance company verify that I was driving this vehicle. 
I was promised it would be issued before XXXX but still do not have the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
This also concerns an earlier complaint that is still unresolved, # XXXX. Since then, another unauthorized transaction has occurred. On XXXX XXXX, 2015. XXXX XXXX - XXXX deposited XXXX check into my savings account. Check XXXX in the amount of {$540.00} and check XXXX in the amount of {$220.00}. Despite previous warnings and flags attached to my Bank of America accounts that were in place to prevent this from happening, it happened again. XXXX XXXX XXXX had previously deposited checks into an account unknown to her. The XXXX XXXX Branch of B of A allowed XXXX XXXX to deposit these check into that account ( XXXX XXXX and when XXXX checks were returned to her she now had the complete account number of my savings account. Or maybe B of A just provided her with this information at that time. On XXXX XXXX, 2015 she used my name, not her own name when making this deposit ( as evidenced by the attached " counter credit '' ). I would like to know who these checks were make out to and who 's signature is on the back of these checks?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I have had a credit card with Bank of America for many years. Just recently they sent me a XXXX form and a XXXX form to fill out and mail back to them saying that they need to update my information. No other credit card company has sent such forms. B of A already has my Social Security number which they got when they granted me a credit card ( years ago. ) So what is this all about? I am asking CFPB to live up to its name and protect me from corporate over reach in data mining, etc.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: VA
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 is consistently dropping my score and incorrectly reporting the wrong credit score. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

XXXX is also inconsistent with XXXX and Experian. 
All 3 credit bureaus are inconsistent with each other, how can this be?

Please help!

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 2015-09-04
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear sir or madam, This is regarding my XXXX PayPal accounts created in my name : registered email address : XXXXXXXXXXXX email address : XXXXXXXXThey were permanently limited, stating that my account is in violation of PayPal 's own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 6 months. 

At this time I have over {$1000.00}. in the accounts and I want my money NOW, not in six months. This is my money and I should get it immediately. To me {$1000.00}. is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the Attorney General of California ... and Paypal took the entire month to respond to me. And their response was not satisfactory. All I received is an explanation about why they suspended my account, but they did n't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
Complaint against Barclaycard XXXX XXXX advantage plus. My credit card had been locked up and not been utilized for an extended period of time. Barclays charged me an annual fee. They sent so many spam emails over the year to my email address against my wishes that I put their address in spam. I had not been utilizing the card for over a year and when the annual bill to have their card came in it when into spam. As a result I did not finally realize that their annual fee until my experian report showed a credit score drop, upon discovery I paid the annual fee and all penalties w/o hesitation. I then asked for an adjustment to my account to fix the damage they had caused to my credit as a result of their actions and negligent spamming my account with offers. Additionally I never received any type of call or written statement notifying me of a late payment. They denied my request and this complaint is a result of their poor customer service to result and repair the situation that they are also negligent in causing..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: Westlake Services, LLC
State: VA
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:
Westlake Financial Inc. is consistently showing incorrect information and balance-my score with all 3 credit bureaus are consistently going down drastically, for no reason each time reports. 
My score is incorrect and should be going up not down- when I'm paying my bills on time and nothing delinquent. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX plus points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

XXXX and XXXX is also inconsistent with XXXX and XXXX. 
All 3 credit bureaus are inconsistent with each other, how can this be? 

Please help! I need my score to be properly increased, please.

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 2016-08-29
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!

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 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Im accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NC
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:
The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC 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