BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
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: Reporting company used your report improperly

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 non-monetary relief
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking account ending in XXXX was involved in a fraudulant account take-over ( ATO ). The criminal went to a capital one branch on XX/XX/2022 and walked away with {$2000.00} plus {$2400.00} cash. On the same day, I was alerted by another branch that they had my I.D.. I went to a local branch to sort things out as instructed and was told the matter would be investigated and handled with the urgency it requires. I have made multiple calls to the customer protection line ( XXXX ) with " no updates. '' On XXXX XXXX I called again and spoke to XXXX who admitted " everything was not handled properly. '' At that time, XXXX closed the account and a new account number was opened. Today on XX/XX/XXXX, over a month since the fraudulant act, I still am out {$4400.00}. 
XXXX XXXX XXXX. XXXX XXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: Cascade CISS Holdings, LLC
State: PA
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:
I was made aware 20 minutes ago that Credit Plus XXXX XXXX  XXXX XXXX XXXX XXXXXXXX pulled a hard pull on my consumer files. I did not authorize this company to authorize any pulling. I dont even know who this company is XXXX I am dealing with brokers in Pennsylvania and I stated Soft pull only to everyone. 

This is 100 % unauthorized and I demand it removed immediately or I will sue according to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company paid my property taxes. 
I do not escrow for taxes or insurance. 
During COVID, the tax office was nonresponsive in my attempts to remove my homestead exemption to pay the full tax rate and move my homestead to my primary residence. During that time, my mortgage company paid the tax bill and sent a letter stating it was paid. I called the same day I received the letter and explained the cause, paid the taxes to the mortgage company in full over the phone. They were trying to collect ecrows and escrow overages for taxes. The gentleman i spoke to assured me the payment would allow the to " fix '' the account before my next payment was due. 
This did not happen for 3 months. I called a significant number of times and wrote to them through their electronic messaging system. Each time they gave me non-answers, would NOT accept my payment and kept saying it was in review. They would not accept my payment until I received the last response stating they realized they only charged me for the taxes without the penalties. I had no way of knowing what they needed me to pay without calling and they appeared to have overlooked penalties. I paid the penalty amount to them that same day and they took a few weeks to update my account, then they were able to accept my payments - 3 months payments. I'm furious as to how this could happen. 

In the days of COVID, where people could place their mortgage on deferment- I didnt- I was making my payments. I dont understand why they couldnt have place some kind of hold on my account until they fixed it, if they were not willing to accept my payment.

After numerous attempts to get them to address this- my credit report still shows I was late 3 months in a row. 

I need assistance please. I dont feel it's fair to have been forced into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been experiencing hardship due to the loss of the majority of my income during XXXX. I always pay my mortgage by the last day of each month, and this is communicated with the Agents that have the job of contacting me. Wells Fargo calls me daily, and has even started calling on the XXXX of the month even tho my mortgage has a 15 day grace period. I access a late charge after the XXXX of the month which is also paid. They used to only call in the daytime, but recently has started calling as late as XXXX XXXX. The first phone call that is generated in the month I always advise the Agent of my intent to pay in full before the last day of the month, but they continue to harass me on a daily basis.

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 2023-06-14
Company: EQUIFAX, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX provided me with a letter and updated my online account to reflect that my account balance is XXXX  but refuses to update experien. XXXX keeps responding to my experian account dispute that I still owe {$250.00} and experian refuses to update my account stating that XXXX is sending proof. But what about the proof. I keep submitting proof of payment to experian. I also have a letter from XXXX and their response to my FDIC complaint that I filed against that says they received my account and I no longer owe. I have submit a copy of the check they cashed and screen print of the account showing XXXX and this letter to experian and they still wont update my account so now Im filing another complaint against XXXX as well as a complaint agains Experian. XXXX and Experian refuse to update my account as paid in full with XXXX owed.

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 2018-10-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently opened an XXXX and PayPal account to sell products online. After opening the XXXX   account as i expected they places certain restrictions on ny account to avoid fraud during the first 90 days. After which they remind ed those restrictions. Shortly after the restrictions were removed by XXXX, PayPal their sister Company then placed the very same restrictions on my Paypal account that XXXX had just released wherein they were homsing the buyer payments until the buyer receives their item. When I contacted them to ascertain why they were doing this they would not give me an answer even though there was no history on the account of any wrongdoing. I was advised by PayPal to get around the hold I should contact my buyers and negotiate with them to lie and say they had recieved the items they purchased from me even though they had not. In effect giving buyers the ability to blackmail sellers into giving them price breaks or partial refunds in exchange for the seller claiming they received an item they clearly had not recieved. This would cause the seller to lose money and the buyer to surrender their rights to any claims via PayPal but would in fact benefit Paypay as they could then deny any potential legitimate claims made by buyers. What XXXX doing is basically encouraging both blackmail by buyers so sellers can get money that is being unjustly held by PayPal who in turn is getting interest from said held funds and unjustly denies the buyers any future claims as a result thereby unjustly enriching Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: LA
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:
See Attached Docs!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. 


I have carefully reviewed the Metro 2 Credit Reporting Guidelines, which specify the proper procedures for the accurate reporting of consumer credit information. It is evident that the aforementioned items do not adhere to these guidelines, and as such, I kindly request that you investigate these inaccuracies and take appropriate action to rectify them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NC
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:
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. 

XXXX # XXXX U S DEPT OF EDXXXX  # XXXX U S DEPT OF XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF EDXXXX  # XXXX U S DEPT OF ED/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A 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 of 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 2022-04-08
Company: Rock Creek Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rock Creek Capital LLC. Is practicing predatory and fraudulent collections practices.

They have enlisted Receivables Performance Management RPM to collect an erroneous and fraudulent debt that they have added to my credit report without any attempt to notify me of the fraudulent debt. Nor has either company given me a chance to dispute this debt. 

In addition, they have not provided any valid proof to substantiate their abusive and malicious tactic to try and destroy my credit. 

They have not provided any dates for which the debt occurred ; nor any type of agreement or authorization of such debt. Where is my signature? What is this for? When did it occur? 

They added this collection to my Credit Reports at the end of XXXX. This has harmed my business as I was in the process of acquiring a loan to expand my business. I will not qualify with this erroneous collection on my record. 

They are in direct violation of Fair Debt Collection Practices Act ( or FDCPA ) and the Fair Credit Reporting Act ( or FCRA ) so I will be filling a complaint and will be seeking financial restitution for the credit harm this company has imposed on me and my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 - received past due Care Credit payment notice and I paid amount {$63.00} immediately. I called the customer service number to ask how to pay and I was informed that my account was closed by Synchrony bank due to XXXX payments that were reversed. 
XX/XX/XXXX, XXXX I made an extra payment of {$93.00} and the same day, my payment was rejected. I wasn't informed, so I could rectify it. 
XX/XX/2023 - I made an extra payment of {$250.00} and that payment was rejected. I wasn't informed until I received my bank statement. That payment was resent and accepted. 
All minimum payments have been paid on time and have never been late. I've received congratulations emails for paying my promotional bills early. Both payments that were reversed were extra payments and as soon as I was notified, I quickly resolved it.

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 2017-05-06
Company: Paypal Holdings, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an account opened wit h PayPal.com i n  XXXX  of  XXXX  by someone other than myself I was made aware of it on  XXXX   XXXX ,  XXXX  when my actual account was " limited until we hear from you '', I immediately contacted  PayPal.com  and was made aware of the fraudulent account with a balance owed of {$1100.00} that after several attempts to dispute was deemed to be a valid account, and I would be held responsible for the balance. The only thing on the account that was mine was the social security number the name was incorrect which I uploaded AND faxed  4 ( four ) f orms of ID to verify. The address which I had once lived at when I was very young was no longer correct nor was it correct at the time the account was opened. The email address is unknown to me, yet I am still being held accountable for this debt. The legal department w ith PayPal.com has y et to respond to my Fair Credit Reporting Act ( FCRA ) request for the information that I am entitled to as an identity theft victim which is crucial to me being able to prosecute whoever has done this to me. Be wary of this company they have treated me like a  XXXX   XXXX  refusing to give me information, hanging up on me and stating that I have absolutely no alternative other than to pay this debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On   XXXX    , I submitted a request to Experian that they provide the method of verification on  XXXX  inaccurate accounts listed on my credit profile. This request was sent via certified mail and Experian received my request on   XXXX  . As of  X/X/17   , I have not received the requested information from Experian and the inaccurate accounts still remain on my credit profile and the results still remain as pending.

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 2023-09-30
Company: EQUIFAX, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for compensation from Wells Fargo for wrongful foreclosure and complained to this office at the time of dusk tracking? Failure to notice, fraud in dealings and other violations of your regulations which are covered under the recent order, I have spoken with five different people who all day disparate things, I spoke with XXXX XXXX who claimed to be a 20 year veteran of WF and an executive in resolutions. He promised to send me my mortgage file and now stated it was " illegal '' I have audio recordings of these conversations, XXXX was rude, dismissive and unhelpful. I am entitled to compensation under this body 's own regulations and laws. 

I want assistance and this body to enforce ( this is what the order states ) my right to vompensation immediately. 

I want my file unredacted as well as an apology and full restitution, This is unconscionable and it is the duty of this body to enforce its own laws and the courts orders.

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 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 mistakenly submitted an application with Capitol One on XX/XX/2022. I immediately called the company right after and ask them to remove the account, cancel the card, and cancel the application. They did all of the above. They are unable to reverse the transaction on my credit report. I am asking if this inquiry can please be removed because it was made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Bread Financial Holdings, Inc.
State: OH
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:
For years now Ive been fighting with this company Comenity Bank to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX over XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.

Company response to consumer: Closed with explanation