BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX XXXX I was in fact a victim of the XXXX data breach that happened years ago. My Information was sold and bought illegally by God knows who. I have a list of accounts from my credit report that needs to be deleted immediately. I am also attaching proof of me being a victim of the XXXX data breach. Please help me delete these accounts from my credit profiles. 

XXXX XXXX XXXX reported balance as of XX/XX/2022 XXXX XXXX  XXXX XXXX balance as of XX/XX/2022 XXXX XXXX XXXX loan XXXX reported balance as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX this was the start of my credit being acted by an outside entity )

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 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe the account is invalid. CAPITAL ONE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: NC
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 received a copy of my credit report and noticed there is information reporting that i have no relation to. My information has been exposed in a data breach and has been misused without my permission. I have contacted my attorney who plans to assist me in this matter shall these items not be removed from my credit report. Under fcra 605b, fcra 609e, this information must be permanently deleted from my credit report within 4 business days of receipt of this information. I will be following up with each agency to ensure that this matter is taking care of promptly. Please add a extended fraud alert to my credit profile and contact me before opening any accounts XXXX the following accounts are accounts that have no relation to me : 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 2023-11-23
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Verification to prove its me who own the collection

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 2020-05-08
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had checked my credit report and found fraudulent accounts. I disputed the accounts for a few months with the credit bureaus and with the debt collector. I filed a police report and a FTC Fraud affidavdt. LJ Ross still refuses to remove this fraudulent account from my credit reports after months of fighting. I need help from the  government now to resolve this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using Paypal.com since 2019 for my XXXX XXXX XXXX which I have 100s of subscribers. 

They even gave me a working XXXX XXXX  which I never defaulted on and paid in full. 

XXXX XXXX XXXX XXXXs a Monthly Beauty Subscription Box. People pay on the XXXX of the month, then we use our money in PayPal to buy stamp, and ship their inventory. I have several customers maybe half my customers pay through PayPal and are on automatic billing through XXXX 

Recently, PayPal only pgave me access to $ XXXX of my generated revenue. When I called in, they told me well you as a XXXX XXXX should be looking for other capital to run your business as they held my money for 21 days. 

I stuck it out as I didn't know how to move my XXXX maybe XXXX customers to another payment processor. Recently, they then cut my money that I can receive from my earned money to {$300.00}. 

I emailed them asking why? After I've been assured that once they have more information my limit of accessing my own funds can increase. 

They informed me I had 5 disputes. 3 of the 5 disputes are a person outside the USA and we asked her to cancel her subscription as we can no longer ship international. She wanted to hold on to her subscription because she loved her boxes. However, shipping rates have increased we fully refunded her. 1 of the disputes had 1 color of her eyeshadow palette break in shipping. We asked her to return our box for a full refund which we did. Our box is $ XXXX for 5 to 7 Full size beauty products so 1 color in her eyeshadow breaking during shipping was out of our control. 

I tried to call PayPal and explain my business model and they claimed to understand and sent it to their back office for further review. 

I also had a XXXX account for my makeup line which they said I had unhappy customers. They asked me to upload tracking and when I did it wouldn't accept it. So I moved on and removed PayPal from my website as it wasn't a big deal 1 or 2 customers using PayPal VS 100s a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: ResidentCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX {$3500.00} Apartment XXXX on the XXXX Collections Company : Innovative Recovery In ... ... .. 
XXXX Misleading information upon move in! I was told by the apartment agents that if I left the apartment, that my deposit of around {$2000.00} would be kept. I told them I would be moving out and not staying the next month. I was never told about an additional penalty when signing the lease on the apartment nor prior to move out. I did not over stay the month that had already been paid and the apartment complex still kept my {$2000.00} deposit. This {$3500.00} charge is ungrounded and was never stated by the agents working in the apartment complex at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
This information on my credit about inquiries doesnt belong to me and I didnt know it was on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Rental Kharma, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2023 i paid for and registered with Rental Kharma Inc.. The company was to report my previous rental history to the credit agencies to improve my score. They did not provide these services, i requested a refund and they didnt refund my initial {$75.00} registration fee i paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: FB FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received multiple notices in XXXX and XX/XX/2022 from my mortgage ( servicing ) company, FirstBank Mortgage regarding a potential lapse of homeowners insurance. FirstBank also manages the escrow account that pays my annual homeowners insurance premium. While there was NO lapse in coverage at ANY TIME, FirstBank was delinquent in remitting payment of the annual insurance premium and that nearly resulted in the cancellation of my policy due to their error. 

I contacted both my insurance company and FirstBank and ensured that the policy payment was finally received and no lapse had occurred. This required spending multiple hours on the phone with both parties. 

After this, I believed all was well until I started to receive subsequent harassing letters claiming that I may have had a potential lapse in coverage and that FirstBank would buy coverage on my behalf and then charge me {$210.00} for this coverage. This lapse had never happened and if it had, would have been the result of FirstBank 's own negligence. I called FirstBank to confirm that my account no longer showed any " issues '' and requested a letter confirming the same. I was assured over the phone that my account was without issue and a letter would be sent. However, no confirmation letter was ever received. 

After receiving another harassing letter dated XX/XX/XXXX, I provided documentation on XX/XX/XXXX of both my previous term and current term homeowner 's insurance policies to FirstBank 's specified online portal ( www.mycoverageinfo.com ). Once again, I thought this matter was put to rest as I had provided written documentation of my home owner 's insurance policies, showing no lapse in coverage. 

Dated on XX/XX/XXXX another harassing letter was sent stating that while I had submitted information, they were unable to verify my coverage for the last 3 weeks of my pervious policy term ( XX/XX/2022 - XX/XX/2022 ). They once again threatened to buy coverage for this alleged lapse in coverage and charge me for it. The final sentence of this latest letter reads " WE HOPE YOU'LL AGREE THAT OBTAINING YOUR OWN INSURANCE IS IN YOUR BEST INTEREST. ''

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 2023-11-10
Company: EQUIFAX, INC.
State: TX
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:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least XXXX  days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

1.XXXX  Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX 6. XXXX XXXX Account # XXXX 7. XXXX XXXX Account # XXXX 8. XXXX XXXX Account # XXXX 9. XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain auto financing, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640 , 15 USC 1691e .

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 
I, XXXX : XXXX am the beneficiary in this transaction. Capital One, are Trustees with fiduciary obligation. I did not benefit from this transaction as my SSN was given and ran by Capital One Auto. Also XXXX XXXX is telling me you guys are requiring a {$10000.00} - {$24000.00} down payment which goes against 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I signed a contract and paid a deposit via ACH to XXXX XXXX XXXXXXXX XXXX XXXX to help with moving. On XX/XX/XXXX, I signed and completed a refund request, as I had a suspicion the company was fraudulent, but they had a 10 day money back cancellation policy. Every time I called the company to try to get these funds, they told me there was a backlog due to XXXX. It has been 9+ months and I have still not received a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I keep getting incorrect information from Navient concerning my forbearance, being bullied into a consolidation loan, told my loan was NOT eligible for forgiveness when on the Navient list  XXXX XXXXXXXX XXXX XXXX as XXXX of the schools which is eligible for forgiveness, and losing my financial information for an income based payment plan which the Navient rep said she received and my monthly payment would be XXXX. 
All the while, Navient has wrongfully destroyed my credit score preventing me in getting any consumer loans which would help me financially to get me back on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpos

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CORELOGIC INC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've been writing CoreLogic since 2015 requesting inaccurate information be removed from my tenant report but they refuse. I've sent police report, court records, chapterXXXX bankruptcy information and still they refuse so the information is being reported as an open judgement for unlawful detainer against me and I can't rent a home. They've cost me well over {$1000.00} in application fees and have caused at least 8 denials. I've reported them under Fair Credit Reporting but have never received any help.

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 2023-11-07
Company: EQUIFAX, INC.
State: TN
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 have been a victim of identity theft. There are accounts with Equifax, XXXX, and XXXX opened on my account that arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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:
I acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited more than 30days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is experian did not remove or modify anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. I am emotionally distressed and depressed from this matter. 

Ive attached my previous credit report and my new credit report to show how experian violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: MD
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:
credit bureau incorrect information on my credit report. Please see the attached. on account, # XXXXThey are reporting my account status. When the other two bureaus are reporting my account status as a different status. Also, the open date is incorrect. If they are pulling the information directly from XXXX XXXX XXXX XXXX why is this information reporting incorrectly.? Under the law, I am supposed to have accurate information reported on my credit report. Please see the attached proof of the discrepancies and delete this account as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached for this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I purchased a home XX/XX/2023. My morgage lender was Fifth Third. My broker told me I could get approved for 3 % down and we proceeded. While at the 30 day mark for approval he says I must come up with an additional XXXX plus pay off XXXX credit cards. Again on last day. Then I did not receive 3 day disclosure and had to ask for closing amount the morning of closing to my shock that I now must pay another XXXX for car payoff. I was misled and had to drain all accounts. I'm a single mom and find this very unprofessional. And my broker who said he would be at closing never showed up but has text me asking for help 3 months later. There are many other details, texts, emails etc that were beyond unethical

Company response to consumer: Closed with explanation