BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i have been using paypal for over 10 years with no issues, recently they came up with a new product called Paypal balance which is attached to a debit card and can transfer payments from checking or bank debit card. 
i also, noticed you can set it as a preferred method of payment which i did not as i have my credit card on my paypal account as my preferred method of payment and use the PP balance account and its attached debit card for ATM cash transactions only. 
on XX/XX/23 made a purchase transactions using paypal and based on my choice i expected the charge to hit my set preferred method of payment which is a credit card on my paypal account, instead and to my surprise i found out the hard way that money was deducted directly from PP balance account which has my cash set aside for emergencies and groceries when i tried to call paypal and told them that this is not right and they did not have my consent to withdraw from my cash account as i have not selected it for purchase transactions i was fed some mumbo jumbo jebrish talk that did not make any sense! it is the financial entity duty to be honest and candid with their customers and explain how products work in a simple way that the normal person can understand but still i think even with that and from a person who holds a grad degree i thought when i set my preferred payment to a XXXX then my cash account won't be touched

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
I am concerned about identity theft. I do not recognize these enquiries, neither did I authorize them. They are fraudulent enquiries and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PennyMac Loan Services LLC has provided misleading information and forms to the consumer to allege this debt is owed to them. 

The consumer never received notice of their right to dispute the debt or request a complete debt validation. 

The consumer never signed an agreement to pay PennyMac Loan Services , LLC, nor has PennyMac ever lent the consumer any funds to complete this transaction. This is a formal request for complete debt validation sent to the company on XX/XX/2023. 

They have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: SC
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:
I am a living human being this is not a duplicate I am a living human being this is not a duplicate my name is XXXX XXXX I'm a living human being with all the rights awarded to me by the fcra and the Federal tax act this complaint is lodged against experian Experian. On one of my accounts on my credit report Experian has fraudulently placed a statement by the consumer on this account I repeat they have illegally placed a consumer statement on my credit report on this account the account being XXXX XXXX I have disputed this account many times they got tired of listening to me and they placed illegally placed illegal in a civil court and in a criminal court to place something on my documentation saying that I said it and I did not say it I never asked them to put a statement down there and it is against the law for them to do so without my permission they have stated that I didn't know about a 15-day rule or something like that and I I never asked them to place a statement on my credit report never I am going to contact law enforcement criminally if it is not removed and the account is not deleted that is an illegal move they made you're never supposed to speak for the consumer I never asked them to do anything of the such

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: HI
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 recently received a copy of my XXXX, ,Equifax credit report, and I noticed some late payments, Chargeoff posted on my credit report : XXXXXXXX XXXX # XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
I have sent in prior disputes with XXXX, Experian, and XXXX. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after XX/XX/23 as outlined in the FCRA section 611 ( 3 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
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: 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 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 2023-03-24
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Dear Consumer Financial Protection, I am writing to bring to your attention a fraudulent activity that has been occurring on my Capital One Bank account. A credit card was opened under my name and delivered to an unknown person who has been using it without my authorization. The card number is XXXX, and as of today, the fraudulent amount on the card is {$3100.00} and keeps increasing. Despite notifying Capital One Bank about this fraudulent activity back in XXXX, the situation has not been resolved, and the person in question has been using the card for years without making monthly payments, causing significant damage to my credit score. 

I have been working with Capital One Bank for the past six months to resolve this issue, but they have not been able to remove the fraudulent card from my credit score. I have also notified all of the credit bureaus, but the situation has not been resolved. I recently spoke with XXXX at XXXX, and she confirmed that the fraudulent activity is still on my account despite my previous notifications to Capital One Bank. 

This situation has caused me a great deal of stress and financial hardship, as my credit score has dropped to low levels due to the unauthorized use of my credit card. I am reaching out to you for assistance in resolving this issue. I believe that Capital One Bank should be held responsible for any damages that have occurred as a result of this fraudulent activity. I am willing to provide any necessary documentation to support my case. 

I am seeking a resolution to this issue that involves the immediate removal of the fraudulent card from my credit report, compensation for any financial losses that I have incurred, and measures taken by Capital One Bank to prevent this type of fraud from happening in the future. 

I appreciate your time and attention to this matter and hope that we can resolve this situation as soon as possible. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Capital One : Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquirie Based on your credit report from one or more of the agencies on the back of this letter, revolving account balance ( s ) are too high in relation to credit score Based on your credit report from one or more of the agencies on the back of this letter, balance owed on delinquent past or present credit obligation ( s ) is too high Based on your credit report from one or more of the agencies on the back of this letter, there are too many missed minimum payments on credit cards in recent history The information is not only inaccurate, but has no legally-valid basis for consideration in a making a credit approval decision. 

Under 15 U.S. Code 1681, Capital One has engaged in adverse action by unlawfully denying me access to a line of credit. 

A letter detailing these violations has been mailed to Capital One and XXXX XXXX XXXX on XX/XX/2023 to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 interested in processing disputes on my credit file with transunion that has alot of inaccurate data that needs to be removed from my credit report.please review an check the information listed to see all errors an items to be deleted asap.

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 2023-03-24
Company: EQUIFAX, INC.
State: PA
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 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an account that does not belong to me being wrongfully reported into my credit profile. I have attempted to solve thos matter with creditor and have been unsuccessful at receiving requested documentation to validate account ownership.

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 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$620.00} ; XXXX XXXX Opened : XXXX XXXX, 2021 Balance : {$710.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Affirm Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance With the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not an account without my written instructions. Under 15USC 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MO
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 been a victim of identity theft I sent in copy of police report and the fraudulent items are still on 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 explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: HI
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:
I do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with Rocket Mortgage a XXXX XXXX XXXX XXXX On XX/XX/XXXX we discussed closing and I said it was super high regardless I sign paper work and {$500.00} for good faith if the loan. XXXX XXXX I worked with another broker with a better loan. Several times I emailed him said Im done with Rocket and withdraw my loan- I have a 5 day grace period. he advise the appraiser is out or on his way I said cancel. I call and work with a XXXX XXXX on getting a refund. She waits another few days and said XXXX charging you {$370.00} for XXXX XXXX  he wasnt there. I am waiting another week and still nothing. This didnt happen on XX/XX/XXXX and are trying to keep my money. I have my realtor looking into how many people used the lock box that day. They wont provide time stamps of pics nothing at all from them yet being charged for it. It doesnt take almost 2 weeks to provide this information. I called XXXX XXXX XXXX and he claims when he got there was canceled but still took pics and did the report? This is a scam for the {$500.00}! He didnt take pics and if so was days later because apparently sent the information over on XXXX  and didnt provide pics, they are trying to rip me off for that money.

Company response to consumer: Closed with explanation