BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Portfolio Recovery-XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being disputedXXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
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:
This situation involves a violation of 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. They failed to furnish me with a written notice about the account before it was reported. Consequently, I am requesting the removal of this account from my credit report due to my disagreement with the asserted debt.

Furthermore, their actions infringe upon my rights as stated in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes of consumer reports. They reported the account without obtaining my consent and improperly utilized my social security information. In light of these circumstances, as a victim of identity theft, I am invoking 15 US Code 1681c-2, which mandates the blocking of such data without my explicit written permission.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my right to privacy. Unfortunately, this right has been violated, as the public reporting of this information by your organization occurred without my authorization.

I insist on the immediate removal of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Representing XXXX XXXX XXXX Has a charge off that states Highest Balance as {$220.00} But Shows Status Other as {$290.00} Total. I've ask what is the {$290.00} And I wanted a copy of the Original Bill. As of this date XX/XX/22 I've not been satisfied in either case. 
XXXX Does Not have the Original Bill!! Can I please get some satisfaction In this matter??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Revolut Technologies Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2022 I went to XXXX as a volunteer to support people in need there. I lived in a volunteering camp in the south of XXXX. In XXXX one of the camp inhabitants took my smartphone without my permission and left the camp. 
I reported this case to the local police ( please see the screenshot attached ). 

In a week I got to know that there are unauthorized transactions on my debit card that has been set up on the smartphone. I have reported it to the card company ( Revolut ) and have been told that a dispute has been opened. 

As there was no communication from Revolut- I have been checking the status every XXXX days using their application. I have screenshots from XX/XX/XXXX and XX/XX/XXXX where their customer service told me that the dispute is still in progress ( please see full history in the attached pdf ). However, today, on XX/XX/XXXX, another customer service representative told me that the dispute was declined on XX/XX/XXXX. I asked why his reply contradicted his predecessors and why there was no communication through email but got a reply that this dispute is declined and there is nothing to do. 

I asked to explain why the dispute was declined but got no reply. I also asked to show the exact text of the dispute filed by customer service on my behalf but I have been told that it's impossible because the dispute is already closed. 

Since customer service declined to provide the details of the dispute and the resolution, I'm concerned about whether my case was filed and considered. 

As I still see the fraudulent transactions in the Revolut application - I was able to take screenshots from the app. Please see the attached screenshots with the list of those fraudulent transactions that I didn't authorize as my phone was taken without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Delete In accordance with the fair credit reporting act XXXX  account. XXXX XXXX # XXXX balance {$51.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX balance {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Judgment {$10000.00} XX/XX/XXXX Judgment # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  {$520.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX  {$860.00} XX/XX/XXXXXXXX XXXX {$710.00} XX/XX/XXXX HAS Violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A. 2 : It also states a consumer reporting agency instructions.

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 2022-09-20
Company: OLD NATIONAL BANCORP
State: IL
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:
On XX/XX/XXXX a check cleared my First Midwest Bank ( now Old National Bank ) checking account. The amount of the cleared check was for {$1500.00}, and I knew I never wrote a check for that large a sum. I noticed it while checking my online account so I clicked to view the check. The name of the person I wrote the check to was crossed out and another name was written over it. The original amount of the check for {$15.00} was changed to {$1500.00}. The line with the written amount remained unchanged ( still written for XXXX and XXXX dollars ), yet this check somehow cleared for {$1500.00}. The check had been mailed at the XXXX, Illinois Post Office, and obviously was intercepted at some point and altered. 

I immediately went to my First Midwest Branch in XXXX to report the incident. They reported that the check was deposited electronically at XXXX XXXX XXXXXXXX. I was told that the written line amount always would supersede the amount in the dollar amount field, but somehow this was not the case. Also, a crossed-out name should be flagged and such a check should never be cashed. 

An affidavit was filed around the XXXX of XXXX, when I caught the fraud on my account. It has now been over 3 months and Old National Bank is saying that once the affidavit is filed, things are out of their control. My {$1500.00} has still not been returned to my account. It would seem to be a pretty cut and dried investigation, with 2 glaring changes ( Name crossed out and difference between the dollar amount line and written line amount ). Why would it take so long to return my money?

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 2022-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, XXXX XXXX  ET, my wife received an email notification showing that there is a wire transfer of {$30000.00} going out from our joint saving account, and we also found out there are two more unauthorized withdrawals of {$8000.00} and {$3000.00}. So, we contacted the Chase customer service immediately to report these unauthorized transactions, the agent told us these were all done at the one branch with my ID presented at counter, and the agent was able to freeze the saving account at the time. We then headed to the Chase branch where those transaction were made, but when we got there, the banker told us since we already filed the claim, there's nothing they can do, so I only could have them to check my information on the system to see if that's my correct information, it turns out nothing matches, and the banker can't change it since the profile if frozen. 
But on XX/XX/2022, around XXXX XXXX ET, I saw a pending online transfer of {$14000.00} from the joint saving account, which suppose be frozen, to a checking account we do not recognize. So, we contacted the Chase customer services again, they said someone somehow unfreeze the account and open a checking account with my name and made the transfer. So, we filed another claim for {$14000.00}. 
On the next day, XX/XX/2022, we went to a Chase branch asked one of the bankers for help. The banker called the claim department and double check with the agent through the phone to make sure that involved accounts are frozen and no one can unfreeze the accounts until the investigation is completed and the banker also put a note on the account stating that multiple identifications are required at branch to make transaction after the accounts are unfreeze, since whoever did it has my XXXX driver license and ssn and was able to create online profile which are now frozen as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: JPMORGAN CHASE & CO.
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:
I filed a police report and disputed this account JPMCB card services Acct # XXXX with XXXX XXXX and XXXX. I also filed a fraud dispute with JPMCB card services and they are still reporting inaccurate information on my credit report. The above account does not belong to me. I do not deserve this negative account reporting on my credit file from the above agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 
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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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 XXXX Account # XXXX, Has 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 that also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently opened a credit card with capital one to use with my mother 's XXXX XXXX XXXXXXXX XXXX  expenses all in one place ... Capital One instantaneously sent car to restricted status and fraud alerting it once activated. Unable to provide assistance to my mother in her time of need and was treated like a criminal when I tried to use it at local XXXX XXXX  and XXXX. Will not do business with this financial institution again and hope they all end up in a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are such a scam they're call center if filled with XXXX  who refuse to tell you that they are reading a script, probably in the XXXX. Not safe for American consumers financial or judicial lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/202XXXX 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 2023-11-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I was charged to overdraft fee of {$35.00} for a transaction that was {$40.00} this fee I feel like is unfair I called the number that I have to complain about it and representative was very rude did not help me with the situation I have complained numerous times about how beautiful you guys are with your fees and there is something that should be done then on Monday XX/XX/XXXX I had a check for a payment of {$1600.00} and that got returned but now there's our other charges pending that were made last week that should not be pending meaning that there should be no fees pending at all with these transactions this is an ongoing thing with this Bank this is like the only bank that I really have the situation with I'm tired of calling you guys about the same situation over and over and over I wish that you guys would just fix this problem and see that I'm not doing nothing wrong I was trying to have my account on a positive note like that I don't get overdraft charges and for some reason every time that I see that my account is cleared the following day does a overdraft fee I'm hoping that on XX/XX/XXXX with the email that you guys sent me that was sent at XXXX XXXX almost XXXX XXXX in the afternoon and then you guys give me to XXXXXXXX XXXX  which is only XXXX hours instead of XXXX hours if I want to have been notified ahead of time that my check was pending I would have had the positive the money I had the time also I went to deposit a check into the ATM to cover the {$1600.00} and for some reason the ATM did not take the check so I had to wait to go deposit the check in the bank I deposited the check today Monday the XXXX of XXXX and the check is now pending for Tuesday XX/XX/XXXX I don't know why you guys are holding funds for money order when is the money order I'm not sure if the ATMs are set money orders deposit but that's another problem that you guys should fix like that people don't get overcharged and get overdraft fees I would appreciate someone helping me with this issue I would like my refund back for those overdraft fees and I would like to be explained why I got a return check when they shouldn't have been over drafted like you guys have always overdrafted me before it's not fair that I get charged {$35.00} for {$5.00} but when it comes to my rent you guys can approve it it's not fair and it's not right my landlord just got charge of return check fee because of this stupidity 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 explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are two previous CFPB complaints that were previously filed by me on the same matter of being restricted to using two different credit report access accounts ( service.transunion.com and XXXX, which both do not allow the same access to your credit report that the Transunion.com allows. We had received a letter back in XXXX that informed us our mortgage loan had been sold and was being transferred to another lender and servicer. Soon after being informed of these changes bot my wife and I was kicked off of one of Transunion 's free accounts and was told that we had to use the service.transunion.com from now on as the only available access for both of us, When calling into Transunion we were informed of the changes but much like with another credit reporting service, they too denied us access to the a paid credit bureau account. 

See previous complaints on same matter : XXXX and 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 2023-08-17
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please DELETE the following fraudulent accounts. 
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 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 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 explanation
Consumer complaint received 2022-11-28
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used my paypal account to purchase a sofa from XXXX XXXX on XX/XX/2022 for the amount of {$1200.00}. 

On XX/XX/XXXX, paypal was able to work with XXXX XXXX, who agreed to allow me to return the sofa, and instructed me to ship the sofa back as it had a problem with the arm rest. I shipped it back to address they requested : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX as requested by XXXX XXXX. 

Upon shipping the sofa back on XXXX XXXX, 2022, I provided the tracking number. Paypal refused to issue a refund. 

In refusing to issue a refund, paypal sided with the seller, still refusing to provide the refund, stating the tracking # was invalid, although I repeatedly sent them several tracking # 's from XXXX XXXX the main trucking company and its shipper Fed XXXX XXXX. I also sent them the XXXX XXXX XXXX to let them know I had shipped the item. Representatives from Fed Ex and XXXX XXXX were available to verify I shipped the item. 

Upon receiving the item, the head of XXXX stores refused to take the item. This served as a fraudulent way of denying me a refund even after they had agreed to let me ship it. I have attached the tracking information as proof. 

I opened an additional case with paypal and repeatedly spoke to their representatives, but they still refused to issue a refund. I no longer have the item. 

I have attached the XXXX XXXX  XXXX and relevant tracking information.

Company response to consumer: Closed with monetary relief