BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: OH
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 received a copy of my credit profile just recently there were accounts, addresses, employment information, and several different phone numbers I did not recognize. I first did a police report also a FTC report to report I was a victim of identity theft. Then, I sent the information to all 3 credit bureaus. I was told I had to dispute this account which I did and each time it comes back saying verified. Then I started asking how is this account being verified if this is not mine? With no response back just each time verified. Each time I'm sending in a debt validation letter with no response other then this document that I've enclosed.

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 2021-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint Number XXXX Follow-up Unfortunately, I have to turn again to assistance from CFPB since my attempts to get any status on my loan application were unsuccessful. 
Processing department XXXX XXXX XXXX XXXX, loan officer assigned to my loan XXXX XXXX XXXX XXXX, operation manager ( XXXX XXXX XXXX completely ignoring my email, voice messages. 
I received a call from the Chairmans Office XXXX XXXX XXXX XXXX, who got involved because I filed formal complaint with CFPB, but he also does not have ANY information from operation. They completely ignoring him, and provided false information. 

Because of their misconduct I already have financial loses, and if I would not be able to close and will maintain my existing rate for rest of my terms, I will accrue loses between {$110000.00} - {$140000.00} in interest. 
It does not look to me they are interested to give me this loan and rate for following reasons : 1. Rate much lower than current market rate ; 2. They do not see me as their potential client as bank pushing to get additional business - to open saving, money market or retirement accounts based on my age XXXX. I see this as clear violation of Elderly Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: NJ
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:
On the following listed dates below my information was used to place inquiries into my credit file that I did not authorize and I have filed multiple disputed with the credit bureau and they tell me that within 1 day that they find the information to be factual and are refusing to removing to remove it from my credit report. However they have acknowledge and placed the fraud alert on my credit file but still have these fraudulent inquiries on my file. They have not produced any documentation to me that shows how they conduct these investigations and I find it suspicious that they are able to do so in 1 day which is the timeframe that I filed my most recent dispute and received a response dated that same day. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX LL XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Medicredit dated XX/XX/2020 for the amount of {$1000.00}. In XX/XX/2020 I filed a complaint for this same amount from the same company, complaint # XXXX. The account number on the old notice is the same as one of the itemized bills included in this amount and the new notice is another account number but still one included in the amount. Medicredit is trying to collect again on the same account using a different account number. This issue was resolved with Medicredit, I should not be recieving a letter for collection on this same 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 2022-11-12
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 was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX Mos. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by credit Grantor Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Placed for Collection Original Creditor Name : XXXX XXXX XXXX University Closed : No info

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 2023-08-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous invoices from PayPal Credit that I am not familiar with. PayPal Credit, XXXX Bank keeps sending me invoices with interest accrued. I called PayPal XXXX Bank on XX/XX/2023 to get some answers. XXXX talked to me, PayPal could not produce any itemized invoices for merchandise I purchased. I was referred to XXXX at the PayPal XXXX Bank fraud department and was told this investigation would take at least 60 days. I mentioned to XXXX in the fraud department that I am currently in the process of buying a new home and this severely affects this process. Nothing she could do. Then the line went dead. 
Fraud Department Ref. # is XXXX, ph. # ( XXXX ) XXXX. I just called this number this morning and was on hold for 30 minutes and hung up.

Also, this morning, I received an email from PayPal describing a {$640.00} transaction charged to me. I have absolutely no idea what this charge is for. And on the PayPal email, a disclaimer on top reads : This may be a scam. 
Can you please try to remedy this as soon as possible so we can proceed with the home purchase and not loose the lot and home we decided on with XXXX XXXX here in XXXX California. 
Thank you 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 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be XXXX % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and 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 2019-10-12
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2019 I moved back in with my parents. I am sick and on XXXX leave. I called and updated my address with Flagship at that time. Oddly, right after that I quit getting paper statements. 

I REQUIRE a physical paper statement and I do not have access to print anything online. Because of my illness and XXXX a 3rd party helps me with my finances and payments. I simply provide them with my statements and they do the rest. They require the statement to be able to easily assist me. If I don't get a physical bill, it won't get paid. 

I have asked them every time they call and tell me the bill is late to research the reason I am not receiving statements. They always tell me that they do and that it's fixed but in 8 months I haven't received on statement however I do receive their hate mail harassing me and telling me I'm late but they can't for the life of them send me a freaking statement. 

Not only that, but Wed the XXXX I made an arrangement ( it's late again because I didn't get the statement again ) to pay the entire {$660.00} balance and the collection department from XXXX has the nerve to call me again today asking for the same imformation. 

So they harass me by calling every 2 days even with a set arrangement and then send me hate mail. Tell me my car loan is in default but won't send me anything but their hate mail when I beg for the paper statement. 

I've cried on the phone, yelled, nicely asked for a supervisor, cried again, offered to wait for hours to talk to a supervisor and NOTHING. No one wants to solve the issue so my payments can be on time. I'm at the mercy of a company that would rather harass me on the phone every few days than send me the physical paper statement I've asked for. 

I bet, if they listened to all the recorded phone calls they would hear my pleas on EVERY SINGLE CONTACT they have had with me since XXXX. Just the last 5 calls alone is evidence. 

I even got online and updated the account. The main page on my profile advises that my account needs attention but it is on the company side. You can see that in the document I sent as well.

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 2023-05-26
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'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$42.00} and XXXX  XXXX ; INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-10-05
Company: Paypal Holdings, Inc
State: WI
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/XXXX, I transferred {$1600.00} from my PayPal account to my bank. The transfer was recorded by my bank on XX/XX/XXXX but on XX/XX/XXXX this transfer was automatically reversed by the bank due to an account number discrepancy that prevented the bank from accepting the transfer. This can be seen in the attached screenshot from my bank records. The funds have not been returned to my PayPal account nor have they been credited to my bank account. At this time, these funds are missing. I have used the facilities provided by PayPal to resolve this issue. I opened a case with PayPal on XX/XX/XXXX. That case number is XXXX XXXX My case and subsequent appeal has been denied as PayPal has determined that the initial transfer transaction appears to have been completed successfully. 

On XXXX XXXX, XXXX I obtained the XXXX reversal transaction trace ID from my bank. That number is XXXX. That same day, XX/XX/XXXX, I provided PayPal with this information with the request that they trace the transfer to determine what has happened with the funds. It appears that PayPal did not take investigative action with respect to the additional information I provided nor did I receive any correspondence or contact from PayPal to further clarify the specifics of my case. The additional information I provided was specifically related to the trace number ( # XXXX ) provided by my bank to facilitate research of my banks reversal transaction transferring funds back to PayPal. Funds which have not yet been credited back to my PayPal account.

With regard to submitting issues to PayPal through their on-line facilities, I am limited to reporting problems related to transactions initiated from my PayPal account however,
my issue is with a bank reversal transaction initiated by my bank. I have no way of identifying this type of transaction from within PayPal 's resolution center. Additionally, I only had one opportunity to appeal or dispute PayPal 's determination and there are no other ways to escalate my case that I have found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: WI
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'm disputing a XXXX XXXX account # XXXX that been on my credit profile. I've disputed fraud and sent the evidence to the company they then closed the account but it still remains on my credit profile with all three credit bureaus. I disputed the credit bureaus and they said they confirmed proof that it's my account but never sent the proof. I want this fraudulent account removed from my credit report from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have signed the auction agreement with the lender and they promised the will help to short sale. However, it look like they just want to foreclose my house. I have been complying with their request. The lender forced me to sign all the letter and agreement to list the house with XXXX to avoid foreclosure but end of nobody auctioned the house with their ridiculos price. Then they came back and said the current buyer must counter with higher number. But they cant and lender told us they will foreclose our house. It look like they never respect what they request and help consumer. They discriminated my hardship and being ridiculous on selling price

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I retired, down-sized and moved to the XXXX apartments, XXXX XXXX XXXX, # XXXX, XXXX OH XXXX ( XXXX XXXX XXXX ) onXX/XX/XXXX. I paid my rent on time every month during the time I resided there. On XX/XX/XXXX, the lessor raised the " utility service fee '' via an undated notice that was hung on my door. However, the rental contract ( utility services addendum ) requires the lessor to provide at least 30 days ' notice before implementing a fee increase. That is a material breach of contract by the lessor. I confronted the lessor 's property manage onXX/XX/XXXX and again on XX/XX/XXXX when I paid my rent for that month. At first, she denied the infraction, but later acknowledged it, blaming it on a temporary employee. She also acknowledged receiving numerous complaints about the issue from other tenants, which I confirmed in conversations with two of my neighbors. The property manager declined to rectify the situation, at which time I told her that I would terminate my lease early and without penalty because of the lessor 's material breach of the lease, which she acknowledged. After I gave written notice of intent to vacate on XX/XX/XXXX and moved out before XX/XX/XXXX ( my rent was paid in full through that date ) following their material breach of the lease, I received no further communication from the lessor. I did provide the lessor my forwarding address, email address and phone number. Then on XX/XX/XXXX, I received a bill in the mail from a collection agency, Fair Collections & Outsourcing ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX ), for {$1000.00}, identifying the Woodlands and XXXX XXXX XXXX as the creditor. Note again that I never received a bill from the lessor in the first place. It is also customary practice not to turn over debts to a collection agency until 90-180 days have passed. Furthermore, XXXX has, of this writing, committed multiple violations of the FDCPA, including calling both my mother and sister and failing to identify himself and his employer when requested. The caller 's number, XXXX, has been verified as XXXX 's number.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Well over 45 days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX XXXX'. In fact, I noticed several errors regarding this account on my credit report. One of the errors shows late payments, derogatory status and included in a bankruptcy. One of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had zero late payments- there are serious discrepancies and errors. Upon addressing this with both Transunion and XXXX nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to Transunion and XXXX asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond 30 days, the law requires that the disputed information must be removed from the credit report. Transunion and XXXX  fail to comply.

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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5700.00} -This is not my 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