BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments.

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB RE : PPP1 SBA Loan # XXXX / Amount {$94000.00}. 
We are seeking assistance from the Consumer Financial Protection Bureau regarding a Bank of America PPP loan made to The XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX, Georgia XXXX ) under the Cares Act. The loan initiated via the SBA and the US Treasury was intended to provide some relief to small business during the pandemic to keep them from closing by covering employee payroll and rent etc. We can honestly state without the XXXX in the PPP1 funds the XXXX XXXXXXXX XXXX XXXXXXXX would have surely failed. Whats important to know is that we have attempted to reach out to Bank of America in good faith since XXXX, 2021 and to date they have failed to respond. We have literally hundreds of communication to BofA regarding this matter and to date the matter remains unresolved. 
The Problem : Bank of America is requesting that we pay 1/2 the funding from the SBA PPP be paid back n the form of a loan payable to Bank of America thats nearly XXXX of the XXXX they want to recover. Worse we were informed of this news almost 1 year into the pandemic, and 1 year after the loan documents were signed and closed. Again It's important to state the funds were spent on the required expenses by the time Bank of America stated they wanted 1/2 of the loan back in the form of a loan. This is odd as Bank of American has never approved a loan application for the XXXX XXXXXXXX XXXX XXXX, even for as much {$500.00} credit card its interesting that we can to get XXXX loan approved without as much as an application when it with Bank of America 's interested - unfortunately the XXXX loan amount has the high potential for default, and likely would trigger a bankruptcy for the XXXX XXXXXXXX XXXX XXXXXXXX Please see attached additional documentation

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 2021-09-27
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
American Express customer service is beyond horrendous, the way they constantly talk over you and ignore every word coming out of their customers mouth that I have to go to the CFPB for this concern is ridiculous! On XX/XX/XXXX after reporting the incident to the CFPB they sent me a letter stating they would finally actually look at the evidence I kept re-sending them to see I was right in the dispute and would " issue my permanent credit for {$200.00} '' for the dispute. I kept waiting nothing! I know I didn't get the credit because I let the balance for the amount roll over awaiting for it to be credited back yet nothing! I checked numerous times through the chat to keep being told on my statement end date XX/XX/XXXX it would be issued ( I have the screenshots for the numerous times as well ). XX/XX/XXXX reached and nothing! I called today XX/XX/XXXX and all I got was a rep who hung up on me and didn't call back. Called again XXXX XX/XX/XXXX requesting a supervisor since I was hung up on to get a rude man who talked over me the whole time and wouldn't listen to a word I was stating. I want my permanent credit and honestly the dispute process with this ridiculous company makes me want to close all 5 of my cards out, including my business cards!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} USDOE/XXXX XXXX {$52000.00}

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 2020-04-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} XXXXXXXX XXXX {$52000.00}

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 2022-04-14
Company: Experian Information Solutions Inc.
State: MO
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-09-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
on XX/XX/2016 FHA borrows XXXX XXXX XXXX and XXXX XXXX XXXX closed FHA loan to buy property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX. 
XXXX, represented buyer in purchasing the residentail property, recieved {$6600.00} commission check on closing. 
on XX/XX/2016 XXXX and XXXX, XXXX XXXX entered into settlement agreement with settlement payment that XXXX XXXX shall pay to the XXXX the amount of {$3300.00} ''Settlement Payment. In consideration of the mutual covenants, promises and releases in this Agreement, upon receipt by XXXX of copy of this Agreement signed by XXXX, XXXX shall pay the the amount of {$3300.00}. '' " Release by XXXX In consideration of the terms, conditions and mutual releases contained in this agreement and the settlement payments, the XXXX, fully release and forever discharge XXXX, againt any and all liabilities, claims, administrative complaints, cause of action and suits that XXXX have or may have againt XXXX '' Such settlement is FRAUD AND PROHIBITED BY RESPA AND SUBJECT TO CRIMINAL PENALTIES. 
RESPA prohibits a person from giving or accepting any part of charge for services that are not performed. Section 8 of RESPA PROHIBITS anyone from giving or accepting a fee, kickbacks in involving a federally related mortgage loan. Kick-backs, unearned fee are subject to criminal and civil penalties. 

THE FACTS : During transaction to purchase property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, No complaint/claims been filed in Georgia Real Estate Commission by XXXX. 
No complaints/claims been filed in XXXX XXXX by XXXX. 
No complaints/claims been filed in XXXX by XXXX. 
No investigation have been conducted in regards of claims, demands, administrative complaints, suits during real estate transaction. No parties been involved. No one been aware of claims/complants/law suits brought up by FHA borrow XXXX. 
Lender wells-fargo Lender have NOT been aware of settlement payments to FHA borrow XXXX. Wells Fargo lender was originating the loan : XXXX XXXX and XXXX XXXX Closing attorney XXXX and XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 
Listing brokerage XXXX XXXX XXXX XXXX, agent XXXX XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 

''settlement agreement and release of claims '' signed by XXXX XXXX and XXXX XXXX XXXX FRAUD. Violate Federal and State law, such as RESPA section 8 kickbacks, fee-splitting, unearned fees. 
Threfore, XXXX XXXX broker at XXXX and XXXX are subject to criminal penalties of {$10000.00} and XXXX up to one year. 

FHA borrows XXXX XXXX and XXXX XXXX and broker XXXX XXXX shall be XXXX for up to 1 year and pay fee of {$10000.00} each.

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 2022-04-16
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX CONSUMER ADJUSTMENT CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONSUMER ADJUSTMENT CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealer Services refuses to release information regarding my vehicle loan. In order to refinance, I need them to fax or mail my original contract to the new lender. 
After two and a half weeks and six different conversations with several customer service representatives, each with different understandings of what information they may or may not release and how. Not even customer service supervisors, XXXX ( on duty Friday, XX/XX/2017 around XXXX EST ) or XXXX ( on duty Tuesday, XX/XX/2017 around XXXX EST ) would get the " Document Management '' Department to deliver my information. 

My business is effectively being held hostage by Wells Fargo while interest on the loan accrues.

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 2021-09-27
Company: Resurgent Capital Services L.P.
State: NY
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:
I am not sure how to report this complain so I chose the best one to fit my situation. I have disputed these alleged debts several times. There is one alleged debt that these two companies are reporting twice as derogatory accounts on my consumer reports. Lvnv funding & XXXX XXXX XXXX. These alleged debts are ruining my reputation as a consumer. As a natural person I have asked these two companies to validate the debts which they have not successfully provided me with this information after several attempts. Also they both are reporting this one alleged debts to many consumer reporting agencies without my written consent to do so. They are violating 3 of my rights as a consumer and also violating FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XXXX of XX/XX/XXXX, I pulled up my credit score report. I saw one debt on my credit record that I do not recognized at all. Capital one opened on XX/XX/XXXX owed XXXX plus dollars. I am 100 % sure that I am not in XXXX XXXX. Nearly XX/XX/XXXX I started my job in XXXX XXXX. XX/XX/XXXX I was hangout with my friend her name is XXXX XXXX also in XXXX as well. How am I supposed to opened this accounts while I am not in the state. I have my SSN with me while I am in XXXX, and I have never lost it. So I am sure that my identity was stolen somehow. But not sure how. See the document below, I left the state on XXXX XXXX XXXX, I entered the state back in XX/XX/XXXX. 
In the attachment, there is a picture of capital one information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have {$49.00} in my PayPal account. 

When I try to transfer my PayPal balance to my bank account which is verified by it, the following message is displayed : Theres a problem Right now, were not able to transfer the money to your bank. 

I have e-mailed PayPal ( as well as its CEO ) but have not received any reply. 

PayPal is holding on to my money and not letting me get it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2016-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-01-29
Company: ResidentCollect, Inc.
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I responded per the FDCP Act Validations of debts with a phone call. I attempted to advise the company that this is an open court case that has no decision for any debt owed. I was told I had no rights unless I was an attorney. When I read the Fair Credit Act I was told they would continue to collect in violation of my call. The letter is dated XXXX/XXXX/2016 and my call was placed XXXX/XXXX/2016 after receiving the mailing. The representative first did not identify herself then said her name was XXXX. When I told her she was violating the act and my rights as a consumer requesting to speak with a supervisor, she placed me on hold and then came back and hung up. When I called back the phone call was sent to voice mail and I did leave a message letting them again know this was an unlawful harassment and that I did not consent to third party involvement in an open court case and that it required settlement in court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation