BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: FL
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 XXXX  Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX FST Premier has all 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported to chase I was manipulated/mislead/targeted/threatened/scammed into sending money under falsified and exaggerated made up stories and lies by a woman who claimed to be a philanthropist and Artist. She would threaten to kill herself when Id try to stop sending money. She also said she knew gang members in XXXX XXXX I was scared she might have me killed if I came forward. I sent thousands of dollars. I reported this to chases fraud department but all I was told. They wouldnt be able to help me because I XXXX  and XXXX THE MONEY TO her myself. I asked if my money was FDIC insured the rep said yes and said my situation did not qualify. The first XXXX date started XX/XX/XXXX XXXX XXXX, XXXX on XXXX and continues through my XXXX account on chase. The amount exceeds over XXXX dollars of fraud by this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX GA XXXX Loan : XXXX I purchased home XX/XX/XXXX it's a XXXX XXXX Paid XXXX Down Payment : XXXX First loan Mod. XX/XX/XXXX with an attorney Mortgaged changed from XXXX to XXXX as soon as the attorney made an exit my loan returned to XXXX it was a verbal Loan Mod no MERS. 
XXXX attempt at loan Modification I was requested to place another XXXX payment of XXXX. No one remembers I paid that via Bank XXXX XXXX certified funds. 
XX/XX/XXXX I became ill unable to walk or work no income XXXX took 4 months to pay this was XX/XX/XXXX I was in the hospital. I was advised that if I could come up with 1 payment they would stop the foreclosure. While hospitalized I offered Nationstar XXXX payments and they refused them. They will request that I do something, then when I do it they change the promised outcome. 
The last mod. was for XXXX with a XXXX income of XXXX after I paid the 3 payments they changed the mortgage payment to XXXX. more than my entire income. I ask how could they do that I was informed that to take home XXXX I would have to earn XXXX so the loan mod. was done on that amount. I Filed BK the last Trial was for XXXX pass that one. They took over a year to complete process. 
XXXX XXXX offer is XXXX for a house that's worth XXXX the agreement is for 40 year loan at 4700 month = XXXX XXXX and at the end of that loan is a balloon for XXXX. they say I owe XXXX they have placed that on the loan twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Data and Contact Management Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This lowlife disgusting company trolls probate court records and then mails out fraudulent canned solicitation letters to the Estate Executors in an attempt to collect non-existent debt. There are hundreds of similar complaints against them on the XXXX XXXX  website and online. The falsely claim the deceased owe a debt and then try and shake down the bereaved. I also received one such scam letter. This company is disgusting and the lowest of the low and must be stopped and put out of the public 's misery. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX, my company had several bank checks stolen from the XXXX XXXX XXXX. Three of those checks were cashed by someone at a Wells Fargo Branch somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement. Obviously, Wells Fargo is at fault for cashing the checks without proper identification or verification. Wells Fargo has yet to reimburse us for the theft.We are currently working with our bank, XXXX XXXX XXXX XXXX, to get reimbursed, but apparently Wells Fargo is not responding. I dont know how a {$32000.00} check to XXXXXXXX XXXX  could be cashed by an individual without verifying the identity of the person presenting the check, let alone cashing a check made to a corporation. Obviously, there are serious compliance and XXXX issues at this Wells Fargo Branch.

I have submitted all the evidence and requested documents to my bank several months ago. My bank forwarded all the documents to Wells Fargo accordingly.tg

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX I wrote a letter in accord with 605 - 15 U.S.C. 1681c ; 605 Requirements relating to information ( d ) Information Required to be Disclosed section ( s ) ( 2 ) Key factor in credit score information to inform you that various violations have been made against statute which explicitly stated below ( SEE BELOW ) which has been ignored, violated and has resulted in unlawful practice and deduction of points at minus XXXX XXXX over the course of 3 weeks for unclear, inconsistent reasoning, done without cause or justification of such practice being bias of officers and/or employees. 

Again, on XX/XX/XXXX I wrote letter in accord with 605 - 15 U.S.C. 1681c ; 605 Requirements relating to information ( d ) Information Required to be Disclosed section ( s ) ( 2 ) Key factor in credit score information to inform you that various violations have been made against statute which explicitly stated below ( SEE BELOW ) which has been ignored, violated and has resulted in unlawful practice and deduction of points at minus XXXX XXXXs over the course of 6 weeks for unclear, inconsistent reasoning, done without cause or justification of such practice being bias of officers and/or employees.

Statute 605 - 15 U.S.C. 1681c explicitly states the terms in which such deductions shall be made as well as the ethical manner in which such changes are to be reported on the specified consumer.

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 2022-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was contracted by a fraudulent person impersonating my friend on XXXX. The imposter requested {$1800.00} from me to be XXXX to his/her account. The imposter hacked my friends account and was able to pose as her ( same phone number, profile picture etc ) through XXXX. Unbeknownst to me, I assumed it was my friend and sent the money from my checking account with Wellsfargo to the email address given to me by the fraudulent person. Shortly after, my friend contacted me to let me know her XXXX account had been hacked and someone was posing as her. I immediately called Wellsfargo and opened up a ticket with the fraud department. I was told to give them 10 business days to rectify the situation. I did not hear back from my bank, so I decided to call them today, XX/XX/XXXX as today is the XXXX business day. During the phone call with the online banker, I was told that they tried to reach out to the bank that received my funds on XX/XX/XXXX to request the funds be returned and they have not heard anything back. They closed the case and said there is nothing they can do to further assist 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 2022-10-24
Company: Experian Information Solutions Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
XXXX was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which XXXX has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, Experian, XXXX. Regardless of my efforts to try to resolve the disputes with XXXX as I advised XXXX that these are Fraudulent accounts XXXX continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. XXXX is being negligent in follow consumer laws and FCRA 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 2022-12-29
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
hello paypal. 

i need you help me to enable the option for withdraw the money. 
Everytime i get the option for withdraw my money the system is place over and over a new limitation on my account and is already pass 180 days. 
PLEASE HELP TO RESOLVE THOS LIMITATION : XXXX OVER 10 MONTHS XXXX XXXX XXXX Just help me to enable the option for me be avalible to withdraw my money please. 
this situation is fustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violations resolved including a cease to desist. Portfolio Recovery Associates continues to report NEGATIVE information. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. 

Each violation applied : {$8000.00} due for each violation. 
- 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, a risk to my livelihood, mental health, and physical health. 

As stated above, Portfolio Recovery Associates has violated me with aggravated identity theft. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Portfolio Recovery Associates must disclose my right to opt out and has committed fraud, which has no statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The following transactions were fraudulently committed and when the dispute was created, it was denied. 

XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$42.00} XXXX XXXX XXXX XX/XX/XXXX {$43.00} XXXX XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$39.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$55.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$44.00} XXXX XXXX XXXX XX/XX/XXXX {$41.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: GA
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: Other problem getting your report or credit score

Complaint:
I've tried to review my credit report with all three credit bureaus and the only one I'm having success with is XXXX. Experian and XXXX will not allow me to review my credit report or file online. I provided correct information when verifying who I am and its still not working, I have sent identification, ssn information, utility bill to Experian and XXXX. These two companies are not following the rules. Also, I requested in writing to have ALL the fraud alerts removed from my credit file immediately and it has not happened. I would like for this to happen immediately. Please and thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
dispute # XXXX XXXX : Spoke to XXXX XXXX on XX/XX/XXXX regarding damaged items that arrived from XXXX. She informed me I had to send photographs and emails exchanged with the vendor of the damaged merchandise. She gave me a fax number to do this. I faxed the photographs to XXXX. I faxed to XXXX the emails I had sent to XXXX. This occurred in XX/XX/XXXX. I spoke to XXXX representatives every subsequent month, regarding the late fees and interest -- I said that since I had an ongoing dispute, these needed to be removed. Every month, they were removed by a XXXX representative, because there was an ongoing dispute. I spoke to representative " XXXX '' in XX/XX/XXXX, regarding the dispute. He also removed that month 's late fees and interest, and told me the dispute had been resolved, and my account was just awaiting reversal of charges from the dispute department. I called again in XX/XX/XXXX -- spoke to " XXXX, '' was told the dispute had been closed in XX/XX/XXXX. This is obviously a lie -- I have spoken to several representatives since XX/XX/XXXX who told me the dispute was being worked on and was open, and finally, that it was resolved. Every representative I spoke to told me the dispute was open and that they would reverse the late fee and interest for the ongoing 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 2017-08-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied on-line for the card, I entered a balance transfer request of XXXX, it was approved on-line, the website stated that balance would be transferred and the card would sent in a few days. Before I got the card I got a letter ( attached ) that said the balance transfer did n't go through because they did n't have the correct address. No other reason was given as you can see on the letter. I called them to give the proper address, at which point they said they would only approve XXXX for balance transfer. I feel like this was a bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dynamic Recovery Solutions is 1 of 4 other companies trying to collect a debt not owed, It isn't mine and I have requested documentation from them and still haven't received anything from original collector from Dynamic with my ID or signature. I have sent the Letter showing XXXX balance owed to XXXX sent to XXXX XXXX which is one of the other companies trying to collect this debt. I do not owe anything and the original collect has  closed and placed a XXXX balance to the account. I want this closed from Dynamic and their partner XXXX XXXX XXXX XXXX XXXX. XXXX was the original collector and I have attched a XXXX  balance letter from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax has listed XXXXXXXX XXXX XXXX XXXX as a collection account on my credit report. This account was not properly validated by Equifax. I reached out to the collection agency to verify this debt because I was unaware of it.I sent them a letter in the mail as well as filed a complaint with the CFPB. The CFPB complaint ID is - XXXX. XXXXXXXX XXXX  XXXX XXXX was not able to properly validate the debt or legally collect debt in my state of residence. They have since ceased acting as a data furnisher and sent out a notice to the CRAs. I have attached the documentation I mailed to the data furnisher, the CFPB complaint, and the XXXX form provided by the data furnisher. 

This account should have never been listed on my credit report. Equifax is not independently verifying consumer information and consumers are suffering as a result. There are laws in place to prevent this from happening and Equifax continues to ignore those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a Home Modification due to XXXX on XXXX and to stop a foreclosure, of becoming nearly 3 months XXXX behind on mortgage of XXXX. At that time I was with Bank of America ( FHA/fixed rate ) and I had spoke with them Mortgage dept. and was told they can do a Modification to stop foreclosure, due to ( {$2100.00}. late ) The mortgage Representative, Bank of America said they will expedite XXXX  package of documents with tabs attached to just initial it and sign and date return same day and so I did. Once they had processed the Modification I received the documents of Partial Claim Deed of Trust dated XX/XX/XXXX Dept of Housing and Urban, Principal sum of ( {$20000.00} ) as being charged for modification as a second Lien, ( case # XXXX ) I had reached out to Bank of America mortgage department on many occasions asking why so a high rate of charges, explain to me, and I had left so many messages and never ever received a call back at all. I never received a breakdown as to the principal amount they charged. Within two months they transferred my Mortgage to 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