BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: IN
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 have tried several times to resolve these fraudulent accounts. 
The investigation into these fraud accounts was not properly conducted according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera 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. 
They did not do this. 

Also, they have violated my rights even more with continuous reporting these fraud accounts to my credit file. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. These are fraud accounts. 
The Credit bureaus stated my account was properly investigated but how is that possible with no accuracies? 

They are also violating the law at this point, according to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 BMO closed my account due to them not being able to verify my address.It caused me pain and suffering.Its causing me issues with me being able to open up additional accounts.They frozed my account and also disbursed me what was left over but took 3 months.They had no reason to close my accounts.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You, however, seem to claim you've verified the accuracy of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be adjusted is 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: Paypal Holdings, 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:
On XX/XX/2021, I sent my son {$400.00} through PayPal but his account is closed and I didn't know. 
I tried to get monies back from Paypal but was told through online chat there's nothing they can do. 
I looked for a phone number through XXXX to talk to someone and encounter a scammer, he asked to take control my phone for identify verification, but had over {$900.00} stolen ( which my bank refunded ). I closed my PayPal account after that But I am still out {$400.00} which PayPal has, PLEASE HELP ME The money has to be there because the account that my son used is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I reported fraud on my account from online charges. I noticed it XX/XX/XXXX but when I searched my transactions, I found this company had charged my card several times in the past month. XX/XX/23 {$22.00}, XX/XX/23 {$37.00}, XX/XX/23 {$34.00}, XX/XX/23 {$36.00}, XX/XX/23 {$37.00}, XX/XX/23 {$68.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$69.00}, and XX/XX/23 {$95.00}. Wells Fargo is saying my claim was denied and it wasnt fraud because I should have noticed it sooner. I was never alerted of fraud and they were small amounts each time so I didnt notice them. If all {$680.00} would have come out in a single day/ transaction, I likely would have noticed. But I find it hard to believe they are claiming its not fraud because I didnt notice it quickly enough. Is there a policy stating how long you have to notice/ report for it to be classified as fraud? As a 20 year customer with Wells Fargo, Ive never reported fraud and would never imagine they would deny a fraud claim.

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 2023-09-16
Company: OP Group Holdings, LLC
State: CA
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:
My mother XXXX XXXX XXXX XXXX : XXXX  ) has XXXX 's and lives in a XXXX XXXX She is a widow and alone. This company XXXX has been withdrawing {$110.00} allegedly for Home Coverage and {$140.00} for Vehicle coverage every month for the last year. My mother does not drive. Despite multiple attempts by the bank to stop them from withdrawing the money from my mom who is poor, XXXX continues to take this money from her. Every time we have the money reversed, XXXX goes back and takes it again. We have paid to stop payment to no avail. My mother has XXXX XXXX and this company is taking advantage of her medical condition, her lack of capacity and inability to fight to recover money that she so badly needs for her own survival. Please help get the money back and prevent XXXX from taking advantage of an XXXX person with XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. 
Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. 
I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. 
I asked what type of identification was used to open up the account. 
I noticed that the debt collector keeps adding late fees on the account. 
I feel that Debt collector is not being fair about this situation at all. 
I need to resolve this issue ASAP. 
can someone please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge. 
For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol

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 2021-07-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked the 3 credit bureaus to verify a bankruptcy. I contacted the courthouse to see if they verify with these agencys. The lady told me that they dont do that. 

There are other things on my report, that I asked them to send verification. They replied its not their job to do that. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: AZ
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:
On XXXX XXXX XXXX My credit score was increased by 77 points on my XXXX account due to a Balance decrease on my Home loan ( XXXX XXXX ) of {$540.00}. On XX/XX/2021 the same report was filed, a decrease in my Home Loan amount of {$570.00}, however my credit score dropped 55 points. Also, On XX/XX/XXXX an inquiry was removed from my credit report for being two years old. As stated on the report. " their eventual removal doesn't usually have a big impact on credit scores.

Is this removal causing my credit score to plummet 55 points? If this is the case I chose to keep it on my credit history. 

There is no other explanation as to why the decrease in credit reporting on XX/XX/2021. An explanation is warranted and correction if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and trans union is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Original Complaint : XXXX. 

Follow-up : Lakeview/XXXX sent a release to the County which was rejected on XX/XX/XXXX due to not meeting State statutes. 

Lakeview/XXXX sent a second release to the County, which was rejected aon XXXX/XXXX/XXXX due to not meeting State statutes. 

Missouri State Statutes : Grantor/Grantee must be completed XXXX '' margin FIRST PAGE MUST INCLUDE BOOK AND PAGE : Book, XXXX, Page, XXXX. 

We were told on XX/XX/XXXX that a release was sent to the County on XX/XX/XXXX. That is the same day that LakeviewXXXX replied to the original CFPB complaint with documentation. However, that documentation was the release that has been rejected due to not meeting State statutes. 

Calls to the XXXX XXXX XXXX on XX/XX/XXXX revealed they have not received the corrected release. 

Calls to XXXX on XX/XX/XXXX revealed that the last document mailed was a letter to my home on XX/XX/XXXX stating they were still investigating the issue. This letter was dated XX/XX/XXXX and was received at my home. 

My account shows no record of any other documentation, which indicates that the correct release has not been sent to the County and we still have an erroneous duplicate lien on our property.

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 2023-07-24
Company: EQUIFAX, INC.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: National Credit Adjusters, LLC
State: CA
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 2021-07-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Navy Federal FCU closed my previous credit card with a limit of {$17000.00} in 2018. There were missed payments that I didn't not agree with. I tried to resolve this but have gotten no where. This has caused me to get turned away from mortgage lenders as I have been eagerly trying to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted the creditors and all 3 major credit reporting bureaus to correct the information on my credit profile and none have provided any remedy for the fraudulent and incorrect statements reported on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 someone try to fraudulently attain a personal loan in my name from XXXX XXXX institution, They did not get through. However, their actions left an hard inquiry on my XXXX and Equifax credit reports. I tried to rectify the matter XXXX however, was unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AGAIN IM ON HERE DOING COMPLAINT AFTER COMPLAINT ABD IT DOES NOTHING. THIS GROUP WONT GET OUT OF MY PHONE AND LEAVE ME ALONE!!! PREVENTING ME FROM REACHING MY OWN FAMILY IN XXXX TO TRY AND FIND A PLACE TO STAY AND BECAUSE MY SIS IS A FORMER XXXX XXXX WITH A HUSBAND A XXXX XXXX THEYNOT ONLY PREVENT PICS FROM GOING THROUGH, NOTHE WHOLE MESSAGE! AND DONT THINK THIS IS ISOLATED INCIDENT WHERE YOU CAN SCAPEGOAT BY SAYING IM CRAZY CFPB! WE AS HOMEOWNERS ARENOT XXXX!!! THEY BEEN DOIN THIS ALL ALONG TO ALL OF US! ITS WHY YOU NEVER HEAR DROM US!!! THE OBSTACLE COURSE A HOMEOWNER HAS TO NAVIGATE JUST TO EVEN TRY AND REPORT ANYYHING TO ANY AGENCY THAT GIVES A XXXX YET FIND LEGAL REPRESENTATION FOR THE XXXX XXXX XXXX XXXX  IS JUST SAD AND BORDERS ON CORRUPTION! THERRS NO DENYING LOGIC. AN INDUSTRY PROVEN TO RAMPANT WITH FRAUD YEY HARDLY EVER REPORTING OF IT BY HOMEOWNERS. WOW, I GUESS JOB WELL DONE AGAIN. YET RHE CFPB KNOWS THAT IS 100 % WRONG! WERE HERE! WERE BEING SUBJECTED TO ALL KINDS OF FRAUD AND DAMIGING METHODS ON THEIR EFFORT TO COVER UP ABD YOU SIT THERE AND PAT YOUSELF ON THE BACK. ONCE AGAIN A FAILURE TO ALL HOMEOWNERS NATION WIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-07-11
Company: ONLINE Information Services, Inc.
State: OH
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 2023-09-12
Company: CashRepublic Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I requested verification of my loan agreement. This information was not provided for me. I have not received copies of my original loan agreement. I am asking for this account to be deleted until information is verified. This collection reports an address of XXXX XXXX XXXX XXXX XXXX. I have never lived there and it is not my current address. I asking for this address deleted from all XXXX bureaus.

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