BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I started a mortgage process and got a copy of my XXXX report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.

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 2021-08-30
Company: Admin Recovery, LLC
State: NY
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:
I paid {$3000.00} to XXXX XXXX at the same time they charged off the debt to admin recovery whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to XXXX XXXX  and Admin recovery but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.

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 2020-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked at my credit report recently and found a few fraudulent accounts. I have done everything suggested and they still haven't came off. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My VA-backed mortgage was current prior to entering a COVID-19 forbearance on XX/XX/XXXX. Freedom Mortgage did not report the account as current for several individual months during the forbearance ( in effect until XX/XX/XXXX ). The status states " current, paying as agreed '' but for individual months, they have not reported any data except for a negative remark : " PDE : Payment deferred '' for XX/XX/XXXX ( XXXX ). XXXX XXXXXXXX XXXX  show no reported information aside from the negative remark, yet XXXX ( still in the forbearance ) was reported as current. 

I also received a letter in the mail dated XX/XX/XXXX stating " we are concerned about your recently missed payment, '' and includes a loss mitigation packet detailing foreclosure. There is not data showing for XX/XX/XXXX yet on my credit report, so I don't how if they've reported a missed payment. This was while I was still in COVID-19 forbearance.

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 2021-08-30
Company: EQUIFAX, INC.
State: IL
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:
I have disputed a bankruptcy reporting on my credit reports. The credit bureaus are not reporting it correctly. I have been challenging them since XXXX. I have sent several letters ( XX/XX/2021, XX/XX/2021 and XX/XX/2021 ) and it still is not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX  as Date Opened : XX/XX/XXXX, however Experian has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX  has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as XXXX XXXX XXXX  , ACC # XXXX  High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX   High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please DELETE the following account from my credit profile 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 explanation
Consumer complaint received 2023-03-19
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern. My full name matching my passport XXXX XXXX Im from Georgia and I want to complain about a very concerning problem related to the payment service PayPal offered atpaypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. Looking forward for your reply. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: NY
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. the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  XXXX # XXXX Account name : XXXX # XXXX Accoiunt name : XXXX # XXXX Account name : XXXX Card # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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 : If also state a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXXB / XXXX XXXX  Trans XXXX XXXX XXXX Trans XXXX XXXX XXXX XXXXXXXX XXXX Trans / XXXX XXXX XXXX XXXX XXXX XXXX Trans / XXXX XXXX XXXXXXXX Trans / XXXX XXXXXXXX XXXX Trans XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Trans 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 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2021 capital one has done a hard inquiry without my concent or approval. I alredy have credit with capital one so there is no need to ask for new credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with the fair credit reporting act these companies have violated my rights.

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

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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

XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have recently sent several letters to Transunion about the reporting on my credit report involving XXXX, not only is this company violating my HIPPA rights this company has also failed to prove and validate this collection account.

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 2020-02-20
Company: Credit Central Holdings, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company called Credit Central keeps calling me. I am not the person or persons they are looking for and I have advised them of that but they keep calling me. I do not know if this company is legitimate or not, but I have never done business with them and want them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions 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:
XXXX reporting incorrect addresses and charged off collections that say paid off from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
XXXX : Charged off collections paid off from XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX charged off XXXX XXXX charged off and cease and decease letters to XXXX XXXX XXXX and XXXX XXXX XXXX all of the following items are producing painful experiences on my consumer credit. Thank you for addressing this matter.

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 2022-01-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I orginally mailed dispute letters to Experian regarding them reporting inaccurate and obsolete information on my credit report in reference to a few accounts including the XXXX XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX. Even though they know the information is inaccurate they still continue to report it as verified instead of removing the information from my 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 2021-05-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I opened a Home Equity Line of Credit in the amount of {$50000.00} with Wells Fargo in XXXX. A {$50000.00} lien was placed on my deed by Wells Fargo at XXXX XXXX XXXX XXXX Of Deeds on XXXX XXXX. An additional {$50000.00} lien ( duplicate ) was placed on my deed by Wells Fargo on XX/XX/XXXX for the same account. The line of credit was paid off and closed. Wells Fargo filed a satisfaction on my deed for the XX/XX/XXXX lien on XX/XX/XXXX. The lien filed by Wells Fargo on XXXX XXXX is still showing as not satisfied. 
I am selling my house, and it is under contract. I was originally scheduled to close XX/XX/XXXX. The home can not close until Wells Fargo corrects the mistake they made, and file a satisfaction on the lien filed on XX/XX/XXXX. I have made multiple phone calls, and spent hours on the phone with Wells Fargo to get them to correct their mistake. I am getting shuffled around, and each person tells me " its in process ''. I finally spoke to one person on XX/XX/XXXX that said I need to fill out a Lien Release Checklist and return. Wells Fargo could not email it to me, and they said they could only fax it or send it in the mail. That person said they would request the Lien Release Checklist to be faxed and mailed. It was never faxed. I have not received it in the mail. I have had 3 closing dates scheduled, and all 3 have been moved due to this issue. Wells Fargo gave me a reference number of XXXX on XX/XX/XXXX. When I contacted them on XX/XX/XXXX they gave me a reference number of XXXX. The account that was closed is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: DISCOVER BANK
State: IL
Product: Credit 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:
On XX/XX/2023, I made a hotel reservation with XXXX hotel reservation, also known as XXXX. XXXX charged my Discover card {$670.00} for the room but did not pay the hotel for the room. I called them and they asked me if I wanted to cancel the reservation. I was fully aware of their cancellation policy, so I did not cancel the reservation. I said No! I need the room to be paid for as agreed! I still need the room! There were three witnesses to this phone conversation. My son-in-law ended up having to pay for the room. XXXX sent Discover false documentation that made it appear as though I cancelled the reservation. I did not. Discover has decided to take the word of XXXX that I cancelled, which is an absolute lie. As you will see in the included documentation, the room remained in my name and was paid for by my son-in-law, XXXX XXXX. 

I cancelled the Discover card used in this transaction after this incident because I did not trust that it would not be subject to additional fraudulent activity, so the new Discover card issued to me will not match the number used in this transaction. That account number will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This was a settlement offer with Citibank the home Depot I paid the {$340.00} it was XXXX my social security number is XXXX their phone number is XXXX i paid this in full I have contacted them because it's still showing on my credit report is due this needs to be removed and showed that the credit card from home Depot with Citibank was completely paid off and it's not showing that on my credit report this was paid a month ago I have talked to them and they said that it takes time to take it off but this is getting ridiculous they're saying they're saying that they sent me a letter proven that I paid it off and I'm not received any letter and this letter was supposed to have been sent XX/XX/2021 I hope you guys can help me my phone number is my phone number is XXXX I can't find their account number but you can call them up and give him my social security number and they will find it okay I have a partial last for the account number is XXXX with Citibank the home Depot this was paid off to {$340.00} the settlement amount was paid off on XXXX the XXXX of 2021 can you please help me to get this off of my credit or show is completely paid because it's ruining my credit history thank you very much if any problems please give me a call XXXX XXXX XXXX XXXX XXXX XXXX Alabama 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 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX just opened a secured XXXX account with CapitalOne. Their online system tells me that I am still responsible to pay on two ( 2 ) credit card accounts that were settled as " paid in full '' almost two years ago. I contacted the law firm that purchased the two charged off accounts. They confirmed Ido NOT owe on those two accounts and have provided me letters stating just that! Capital One rep admitted they are aware of this problem with their computer system but they have no idea of if/when it can be fixed- I am quite sure they are reporting this same erroneous information to XXXX, XXXX and XXXX! Help!?

Company response to consumer: Closed with explanation