BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Synovus Bank
State: GA
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:
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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
28 years ago in 2005, my foster son broke into my bank accounts and credit cards and took out numerous payday loans in my name. He was arrested, charges were plea bargained down to one lump charge and he did his time. For one of the payday loans refused the courts settlement and these credit collections companys buy it every years. Portfolio collections has bought it and have been burning up my phone, leaving threading messages. When you call back all you get is a recording no live person. Im tired of being harassed and having to fight to keep getting this removed from my credit report. Its been 28 years. 
There have been other complaints you helped remove this same issue and have copies of the court documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: DISCOVER BANK
State: GA
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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am victim of long economic offense in which i am not employed or getting wages after i left my XXXX position XX/XX/XXXX. At the time of leaving i had about 100000 dollars. I was forced to open a citigold account in XXXX while working as XXXX employee in XXXX although i had a XXXX account in XXXX. I was harassed to leave the company. I had a marital breakdown and i appeased it by a short term relation that was broken XX/XX/XXXX. I had to leave the company because of stress back injury and not being able to be in a relation. I am currently trying to reunite with my wife XXXX but i have no contact with her, my mother is injured and killed i am injured, right now i am in XXXX with just XXXX and i would have to pay XXXX for this internet session and my sandals is broken. A community of thieves is exploiting me as an organisation taking money using me and my XXXX value and using my corporate accounts and offering me services and i had to generate cash begging now. I had owned XXXX XXXX XXXX  account that had unique XXXX value but i had no income and lost money to spammers and attacked many times and injured in XXXX detentions and allopathy class XXXX hospitals. I have a XXXX in which i listed XXXX account number XXXX but i have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought several XXXX dollars in American Express XXXX XXXX ( https : //www.amexgiftcard.com/ ) in XX/XX/2001. I received the gift cards directly from American Express unopened by mail. However, there are fraudulent charges on several of the cards ( e.g. ~ {$90.00} of charges, ~ {$97.00} of charges, and ~ {$50.00} of charges on XXXX {$100.00} AMEX gift cards. I also gave so me the gift cards away as gifts and several receipts reported that there were fraudulent charges as well. Overall, this has been a nightmare experience. 

I reached out the American Express to dispute the charges and get a refund. However, they claimed that refund is not possible and you must contact the merchant direction ( which is not a reasonable solution particularly for {$100.00} gift card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: ARC Management Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical debt from a car accident was paid by Insurance company but not recorded properly. Was then transferred to a debt collection agency ( ARC Management Group , LLC ) who was contacted by the insurance company at that time. Almost a year later a credit account with XXXX  was opened in my name for the amount of this bill and is reflected on my credit report. 

How can they use my SSN from my medical records to open an account in my name?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On numerous occasion have contacted this debt collector this is not my debt it was an fraud account in which they are trying to make me pay on. I have submitted proof that this account was open due to fraud and I do not have any knowledge of this account nor is this debt mines. They even sued me for this debt and I even notified them this is a fraud account. They were able to get a default judgment due to me not being aware of the court date. Also, they were found to be caught red handed with illegal debt collection practices and consumer reporting which took place on XXXX2023. They are claiming I owe them in the amount of {$2800.00}. Yet they can not provide me with a true documentation with my signature that states I agreed to this debt or any information in which I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXX XXXX  : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX : {$2.00} XXXX XXXXXXXXXXXX XXXX : {$5400.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am actively looking to remove my credit card debt from Wells Fargo. It has been a charge-off since XXXX of XXXX  and in NC the statute of limitations shows 3 years is the cutoff time for situations like these. I do not want this reported on my credit. The amount is {$930.00} Dollars, there has been no communication about this debt for years as wellno options on what can be done about it. I would like to have it taken off as quickly as possible.

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 2023-06-07
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had been disputing this claim by the collection agency name PlusFour for over 3years with no success.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: OH
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 sent a letter out XXXX to Experian, XXXX, XXXX, XXXX XXXX  here are my tracking number XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making since.According to the law 15 U.S code section 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX BANK OF AMERICA ACCT XXXX : XXXX XXXX ACCT NO : XXXX XXXX  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 explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In recent years I been unfairly charged $ XXXX of dollars in overdraft fees, even having money in bank account - I had complaint to Wells Fargo and they ignored me

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 2023-08-03
Company: EQUIFAX, INC.
State: GA
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XXXX of 2022, I received a message from PayPal ( the object of this complaint ) that my account, and my person, had been permanently limited ( banned forever ) for undisclosed reasons that they claim would jeopardize their security measures to disclose. As the account holder, I should at least be informed of what such violation they claim occurred in order to legally refute it. 

Having never violated any of their stated policies, I can only assume that myself and thousands of other Americans who are currently experiencing this are being unfairly targeted and discriminated against for some other reason. 

PayPal provides no means to appeal their decision, no way to contact anyone who can offer an explanation, and in retrospect- feels as though I've been accused of a crime, convicted, and sentenced with no recourse. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/ 2023 using Bank of Americas mobile banking app I attempted to transfer {$8800.00} from my Bank of America checking account to my Bank of America savings account. When I completed the transaction I immediately realized I made a mistake and sent those funds in the form of an online banking payment to my Bank of America credit card account. 
After I realized my mistake I called Bank of America to reverse that payment and have it returned to my checking account. I was told by an agent that my funds were already in the possession of Bank of Americas credit card department and that I would have to wait until the next business day to call Bank of Americas credit card department. 
On XX/XX/2023 at XXXXXXXX XXXX XXXX I called Bank of Americas credit card department and an agent by the name of XXXX told me that she put through my request to have my funds returned to my checking account. XXXX told me that this could take up to 2 business cycles or 60 days for those funds to be returned to my checking account. I told XXXX that was totally unacceptable to me that I needed those funds returned ASAP.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave these companies any written consent to report anything on my consumer reports. No consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Sandman Law Group LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Last year I was involved in an eviction, I went to court in 2022 and was told and documented that if I completed with all of what the Landlord asked for paying the rent on time ect that the attorney would take the eviction off of my record in which he has not. He conducts law in XXXX XXXX XXXX  his name is XXXX XXXX his phone number is XXXX. I've tried contacting him several times and my case worker since I am XXXX has tried contacting him also via email and phone calls. Can you please help me! The name to look this under in XXXXXXXX XXXX XXXXXXXX is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion is illegally allowing/providing XXXX XXXX XXXX operating under XXXX XXXX access to my consumer reports prior to and after I requested to opt out of sharing consumer data. 

I currently do not have any accounts banking or credit accounts with XXXX, prior to XXXX, I had accounts with XXXX XXXX, XXXX XXXX XXXX which were closed prior to XXXX  purchase of said brand. 

At no time did I or ask XXXX for any additional lines of credit or to re-open any accounts my business was concluded with the cardholder once accounts were closed in XXXX. 

At no time did I grant permission purpose to XXXX for any reasons in fact I sent TransUnion a letter opting out of sharing data without my express written consent. 

XXXX has illegally obtained/requested my consumer report every month from XXXX  to present date. 

I attempted to reach out to XXXX who refused to provide answers or cease and desist illegally accessing my consumer reports. 

I am requesting CFPB investigate and bring legal actions against both parties for illegally access consumer credit reports and enact or enforce current laws that provide consumer protection and relief from this abusive practice.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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