BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Escrow Department for LOANCARE , LLC did an escrow analysis. They stated my XXXX County Maryland taxes were paid 4 times a year. They read the bill wrong. They kept telling me that my tax bill doubled but the XXXX County Treasury office confirmed that the taxes are only paid in two installments. I called LOANCARE today and the representative stated this was an error. With this erroneous analysis, they stated my mortgage payment would be an additional {$500.00} dollars. This was outrageous. The County confirmed it never doubled. I provided proof. ( see attachment ) On today XX/XX/XXXX, the representative saw it was entered into LOANCAREs system four times a year by error. The reps supervisor confirmed that it was an error. She put a request to have another analysis done and it should be fixed by XX/XX/XXXX. I should expect a new analysis delivered to me. If this does not happen, I will be submitting everything to my attorneys office for litigation. 

My account was also reported over 120 days late as of XX/XX/2021 on my credit report. This is inaccurate. My loan was transferred to XXXX/LOANCARE servicing in XXXX while it was still in a CARES ACT forbearance. ( see attachment ) Federal Law states there is a two month period of no negative credit reporting or fees accessed while a mortgage loan has been transferred to a new mortgage servicer. While still in the transfer period, my loan remained in forbearance while LOANCARE processed a loan modification. The modification documents show that my first payment is due XX/XX/XXXX. ( see attachment ) My credit report should have never been reported late. Again, it shows that I am over 120 days late. This is current data reported as of XX/XX/XXXX. LOANCARE has damaged my credit with this. They have broken the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal case ID : XXXX Paypal close my dispute case with reason that item delivered when the tracking shows its returned to the shipper. 
The tracking number is the same tracking number paypal provided. 
I made a complain to PayPal but instead of being responsible and admit their mistake and refund me. 
Paypal block my account and i cant use it anymore. 
This is clearly unethical and its a fraud attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX, XXXX, 2016 {$300.00} I currently have this credit card and I wanted to see if I can please get my late payment erased? I really went through some financial problems and I am currently making my payments now. I will pay the interest difference if needed, but I just don't want to have late payments on my credit report. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these Accounts and I believe they are fraudulent.

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 2023-03-13
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX XXXX and I am writing in regards to the negative items found on my credit report. 

Regarding XXXX - XXXX XXXX, I would like to inform you that the date of inquiry for this account was XX/XX/XXXX, which has now reached the statute of limitation. Therefore, I kindly request that you remove this information from my credit report. 

Furthermore, I would like to dispute the following accounts, as they do not belong to me : XXXX  XXXX XXXX, Account Number : XXXX ; XXXX  XXXX, Account Number : XXXX ; XXXX XXXX, Account Number : XXXX ; and XXXX  XXXX, Account Number : XXXX. I have no record of these accounts and I believe that this information is inaccurate. 

Therefore, I request that you remove these inaccurate items from my credit report immediately. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
It appears that my 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
Someone hacked my fifth third credit card through XXXX as I had my card attached to that account for purchases. They were able to change the address and name to theirs and have the merchandise sent to their home address. As soon as I saw the charge, I called fifth third Bank cancel the credit card, and speed the charges. I just received a statement from fifth third bank that states that I am responsible for the charge and they have now charged my credit card back with the purchase amount. I did not make the purchase or the charge. The credit card information that I am submitting is the old credit card that has been discontinued. Fifth third bank charged my replacement card, which information is not included on this form, with the charges from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
after reviewing a statement of my credit card charges I saw a number of charges to XXXX. I knew these couldn't be correct since I don't have an XXXX account nor have I bought anything from XXXX in at least 15 years. 
I called Bank of America and told them about the fraudulent use of my card and asked for a new one. They then checked and found aprox {$1500.00} XXXX charges going back several months. the charges had been small and hidden over several months up until the last month where there was 3-5 charges a day ... very obvious. If the criminals hadn't jumped up the charges to 3-5 a day I might not have seen them.

So BOA started a fraud " investigation '' but in reality they just looked at their contract and saw I only had 2 months to report fraud charges on my card, or two billing cycles as they call it. so that's where the " investigation '' ended and they simply dropped it and said no you don't get this as fraud.

so I called them and they explained this absurd situation to me. I then said well there is at least two billing cycles in there that can be valid fraud. why cant we submit for those two cycles ( XXXX XXXX XX/XX/XXXX )? The person I talked to said no they wont do that because the fraud is all one case dated back to XXXX of XXXX. I was told they wont separate the fraud into two claims. SHE PATIENTLY TOLD ME THERE WAS NOTHING I COULD DO BUT BASICLY PAY THE FRAUDUANT CHARGES AND BE DONE WITH IT.

So they didn't do an Investigation. they don't care that it was fraud unless they can use it to make me pay for charges I didn't make, they wont work with me to separate out the two, by contract cycles of fraud.This is why so much Fraud happens. the trash gets away with it. BOA has no interest in helping the consumer ever since they " transitioned ''. There is no reason not to separate out the charges that are contract viable. They just don't feel its worth their time. So what if it cost a consumer hard earned cash, no problem for them right? And BOA gets to charge more interest on all those fraud charges so it a win/win for them.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
this account was opened fraudulently XXXX XXXX XXXX XXXX office of attorney general and my information was part of a data breach with XXXX which they still have yet to address this.

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 2023-09-19
Company: SYNCHRONY FINANCIAL
State: GA
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:
The Home Design Loan from Synchrony Bank was offered by the company XXXX XXXX. The company billed my credit card before the work was completed as agreed upon. One document has a forged signature, the other has discrepancies as to the initial work and cost. The company never allow me assess to the eSignal documents on their device, and refuses to address the issues at hand. The documents that I received were sent to me by Synchrony Bank. The company never gave me access to the documents I requested on XX/XX/2023. The Bank stated that they did not have my signature on file, hence my dispute was deemed as a service issue.

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 2023-07-21
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For several years ( even prior to COVID ), I have continuously receive unsolicited phone calls and text messages from First National Collection Bureau , Inc. addressed to a " XXXX '' regarding debt collection. However, my name is not " XXXX '', and I do not know or am not associated with anybody named XXXX. Furthermore, I do not owe any debts, and even if I did, I have not received any debt validation letters. In the past two months alone, I have received these text messages from at least three different phone numbers for this same company on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the past, I have received harassing phone calls regarding this bogus debt. It appears that a " XXXX '' has been potentially using my phone number to sign up for bogus accounts with debt, which I am not associated with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
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:
The date opened on the account is XX/XX/2019 and the balance reported is {$980.00} I have tried to get this fraudulent account resolved with XXXX XXXX, because I do not have all the information that was used to open the account there was nothing the company could do. I have also tried to get this fraudulent account resolved with the credit bureaus, and it is still showing up on the Experian credit report each month.

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 2023-06-16
Company: Self Financial Inc.
State: PA
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:
Self Financial/Lead Bank has submitted False Documentation stating the Account is Past Due XXXX, XXXX, and XXXX of XXXX  but they were paid and the account was closed in XXXX  XXXX.It is hindering my credit score do to the false information being updated i spoke with a few ppl but i can never get anyone to Help me to remove it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2022-11-16
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:
XXXX XXXX XXXX XXXX have contacted Equifax to let them know there was an error in their computer system and the payment history has never been late or past due, Due to that error Equifax have lower my credit score points over XXXX points in the past 2 months, the XXXX XXXX XXXX XXXX XXXX also a personal long time fried have called and faxed proof to Equifax that the information was wrong. 
Last report attached said " it has been fixed '' I see the updated on bold updated to current payments, but my credit score has not been fixed back to prior to XX/XX/XXXX when all of this was stared it was XXXX as right now Equifax have reported XXXX XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: Block, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received this business debit card from Square issued by XXXX Bank with my name and under business name Lab Barbershop which I am not affiliated with during the week of XX/XX/XXXX to XXXX. I have no business of any sort nor I applied to attain this card. I called XXXX different numbers for XXXX and attained XXXX different case numbers. The first number I called ( XXXX ) XXXX seems really suspicious cause the person I spoke to XXXX can not provide me information on when i can find out if my account was closed or not. He does not have the understanding of the urgency to close my account right away. The XXXX number ( XXXX ) XXXX seems more legit cause XXXX can verify if the card is real and she was able to help me to make sure that my concern to close this account immediately was addressed. I am going to follow-up on the status of the card to be closed immediately as this is not opened under my consent and with the business name I am not affiliated nor own.

Company response to consumer: Closed with explanation