BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings my complaint is driven by Capital One lack of respect do to me, As a Consumer, I have rights so I choose to exercise them. I contacted Capital One to inform them of the inaccurate reporting of my private information and how continuing of such reporting would be against consumer law and an act of fraud as I will prove to you also There are XXXX alleged debts that they are reporting on my consumer profile both are Collections according to my XXXX Profile, I have disputed these accounts numerous times with XXXX and they refuse to Delete them, they always give me the same answer Verified, Only I can Verifiey something. Now Only on my XXXX profile are these accounts being reported I disputed them with a couple others reporting agencies like XXXX and XXXX XXXX and they deleted them ( no problem!!! ) so after so many failed attempts I reached out to Capital One on the XX/XX/2023 which I will attach ( Now that alone should be enough reason to show that the information is indeed inaccurate because the same information is not being reported across all the other third-party reporting consumer agencies, and only 100 % accurate information can be reported according to consumer law that's grounds for deletion, Also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deeming it illegal because they filled a XXXX and did not inform me. They never sent me a XXXX form to inform me that the alleged debt was canceled and they never sent my XXXX so I could file this income on my upcoming taxes Both alleged debts are as stated XXXX is {$4400.00} and the other one is at {$3900.00} which was originally {$3000.00} and they taxed {$900.00} on it. I filed Identity theft to that charged account because my CC was unlawfully used and they refused to do anything about that and I filed a complaint with XXXX against them and identity theft with identity-theft.gov, when this occurred last year by Consumer law a Creditor can not report an identity-theft account as a Charge-Off on a Consumer report and once again if they canceled the debt by way of Charge-Off then they owe me a XXXX for that alleged debt too. My rights have been abused and misused by both companies Capital One and XXXX for due process by law I need these accounts deleted and Cease and Desist from any and all future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CL Holdings LLC
State: AL
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:
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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, There are several number of inquiries for credit -- - on my credit report from the past few months in XXXX, that I did not make and are not aware of. These are currently listed on my reports and is hurting my quality of life for me and my family. 

XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX and another in XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX  - XX/XX/XXXX I have attached a letter from XXXX  XXXX XXXX stating that they acknowledge that I didnt make inquires on XX/XX/XXXX. But the Credit bureaus are still listing on my credit report making money off of me, this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am being ignored regarding fraudulent applications done in my name without my knowledge and consent. I am unable to get approved for a much needed credit card because of 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MD
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 has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XXXX  yet all three agencies are reporting damaging information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: MS
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 XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-22
Company: Paypal Holdings, Inc
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have verified with PayPal that I have NO account with them, yet I continue to receive statements by email from what must be a fraudulent source : Sender is XXXX Here 's your invoice Billing Department sent you an invoice for {$680.00} USD Due on receipt View and Pay Invoice Buy now. Pay over time.

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in 6 months. Subject to credit approval. See terms. US customers only. 
Seller note to customer, {$680.00}.., XXXX XXXX XXXX XXXX Don't know this seller? 
You can safely ignore this invoice if you're not buying anything from this seller. PayPal won't ask you to call or send texts to phone numbers in an invoice. We don't ask for your credentials or auto-debit money from your account against any invoices. Contact us if you're still not sure.

PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : en_US ( en-US ) XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.

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 2023-03-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX i deposited my payroll check in the amount of {$1500.00}. I then went to my landlords bank and wrote a check against the deposited funds on my Chase account only to find out today XXXX that my check is being placed on a hold until XX/XX/15. I have no access to any of my funds, my rent check is going to bounce even though I have never had any fraudulent activity, never bounced a check. I have been transferred and passed around to different departments. I cant close my account and get my check back because of the pending deposit. I am totally screwed. I want my check back and I want to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Cottonwood Financial Ltd.
State: TX
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:
The account was charged off and no 1099-c was not mailed. by it still being on my credit it's in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to XXXX , XXXX and Experian. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX  XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX XXXX/XXXXt removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Dispute late payment : XX/XX/XXXX XXXX XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: NY
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: Personal information incorrect

Complaint:
equifax has me reported as deceased and this is causing problems. No one at this agency wants to talk with me or receive information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: GA
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:
XXXX continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act.

1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX XXXX XXXX was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a navient student loan open for 18 years XXXX never reported any payments 5. XXXX is showing all of my open XXXX student loans as closed with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On my XX/XX/XXXX credit card statement for my Chase Sapphire Reserve card, I noticed that the promotional offer I'd taken advantage of under the My Chase Plan appeared to have a much smaller balance than expected and the balance I was being asked to pay as my interest saving balance was much higher than expected. 

The My Chase Plan was supposed to be in the amount of {$3500.00} but because merchant credits totaling {$2800.00} had been applied to my account along with the required interest saving balance payment of {$8300.00}, Chase applied the merchant credits to the My Chase Plan instead of the purchases that were applied to my account from the merchants. 

This resulted in my having to pay almost {$3000.00} more than the purchases that actually took place for the billing cycle. 

While I understand that overpayment of the interest savings balance will be applied to the lowest APR first, in line with the CardAct of 2009, the credits in this case were not payments and should have been applied against the merchants that originally billed me. 

If I do not pay the extra almost {$3000.00} that the bill shows, I will be charged for interest. I have been keeping my agreement to pay for the My Chase Plan as outlined when I agreed to it and feel that this is misapplication of payments which I want corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
Equifax did not investigate issue properly. I received notice that your company received feedback from Equifax. However, the feedback was false. The account was verified quickly and I did not have my allotted time to reply before it was quickly closed. I also received a letter from Equifax dated XX/XX/22 requesting my personal information. This is to send to XXXX to add in their database. XXXX can not furnish me with account information and I'm in good standing with XXXX. The letter received after the Holidays requesting information was sent after stating investigation complete. This account is bogus. The dates and status has been changed more than one. It first showed XXXX and now showing XXXX also which was added later. My rights has been compromised several times. I can not dispute online with Equifax. They've since change account so I can create one, however, keep getting error invalid password or username after updating both several times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: River City Mortgage LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we sought out a mortgage on a double wide home on a permanent foundation. We got pre approval from this company but later was told they dont fund mobile homes. 

So our realtor suggested a new company, River City Mortgage. Based on his suggestion we applied for the mortgage through them. We got the pre approval letter on XXXX along with the i rial disclosures. We submitted every document they requested within one business day. 

We then had the appraisal submitted on XX/XX/XXXX and it appraised at {$190000.00} which was {$2200.00} under our offer. My realtor called and asked what I wanted to do and I said I would not cover the difference. He told me the seller might walk away and I said thats fine and that if she walks away she walks away because we arent covering the difference. 

My realtor called me back very quickly and told me that the appraiser is going to fix the report to get it to our offer. I was led to believe that this was a small typo error. 

After that I was told we are closing before the new year. Then day after day we were delayed all the way up until XX/XX/XXXX when I asked my loan officer what has been taking so long. Thought this process I was told it was because the underwriter needed to review documents we submitted, but on Saturday the XXXX, the loan officer responded with the appraisal. I responded with oh how there was a typo error? 

He then answered with a long message that stated Well kind of the appraisal came in low because the appraiser incorrectly used the assumed sale price of XXXX when it was XXXX Then the sellers realtor called the appraiser and had her change the value ( illegal move between us ) and then told me about it AFTER Then the realtor increased it and noted it was based off of the sale price increasing ( not a valid reason to increase value ) So, its just been a XXXX show of trying to make sure the appraisal remains usable and complaint without having the underwriter report the act that happened because she can likely tell. 

So after talking with those close to me I decided to step away from the deal based on the above text. The illegal and unethical acts taken by the seller agent and the appraisal company and anyone involved in the cover up there in. 

Everyone wanted to steal the {$2200.00}, that the house didnt appraise, for from my fianc and I. Everyone benefited from this collusion except for us. This collusion made us feel cheated, disgusted, and distrusting in everyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reference complaint # XXXX. 

PennyMac has provided incorrect information and needs to remove homeowners insurance from our escrow account as our LTV ratio is 60 %. PennyMac has removed our PMI insurance as of XX/XX/XXXX as our LTV was less than 80 % and indicated that they would remove our homeowners insurance after the PMI was removed and the escrow balance went from negative to positive. PennyMac stated that the homeowners would be removed from escrow by multiple PennyMac representatives ( XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). The LTV on our loan is at 60 % as of XX/XX/XXXX and our escrow was positive until PennyMac erroneously paid our homeowners insurance from our escrow account. 

XXXX needs to remove our homeowners insurance from our escrow account immediately and change the responsible party for homeowners insurance from XXXX on Borrowers Behalf to Borrowers. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CARD Corporation
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Haven't been able to access my money since i opened the account, they restricted my account without any forewarning, they aren't open on the weekends so I want without being able to access funds, no communication on their end unanswered emails and the automated system kept telling me that my info didn't match what they had XXXX file. Account was unrestricted for a day and they restricted it once again, still haven't recieved a response from the dozen emails I've sent, they keep declining my ACH transactions. I just want my money so I can close the account and take my business elsewhere. XXXX is a joke

Company response to consumer: Closed with explanation