BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted -- called directly, my sister has been called, and I have been getting physical mail -- by XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO, XXXX They state that I owe {$8400.00} from PayPal debt. I have contact PayPal directly and have confirmed that I owe no such debt, and they have advised me not to give any information to this collections company as it is likely a scam. I couldn't get the company I " owed '' the debt to over the phone from XXXX XXXX unless I gave them my information, but that is what is listed on the letters I am being sent. 

The main person calling is XXXX XXXX at XXXX XXXX XXXX ( XXXX but the number has been changing since I continue to block their calls, previous numbers are : ( XXXX ) XXXX, ( XXXX ) XXXX ) and she refuses to release any information to me about this debt unless I give her my Full name, date of birth, and last four of social security number. When I refuse I am sent to a " manager '' who yells that they already have all my information and need to verify that it is me, asking me to comply and give them the information they need. At one point they said in order to verify they needed to call me back to " set up a secure line. '' At this point I hung up and have been blocking their calls but they are rather relentless, and it is now harassment. They have called my sister asking for this information as well -- I am unsure how they got this information. 

The first call was on XX/XX/2021 and have been consistent since then to present. 

Recently I have now been getting letters from XXXX XXXX XXXX XXXX XXXX regarding this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Account status incorrect

Complaint:
Capital One is reporting late payments from XXXX when they agreed to put me on a hardship program due to a death in the family in XXXX and loss of job. They advised that I had 120 days to make payment. What they DID NOT advise is that I had to make the minimum payment each month. That does not make sense because then there is no point of the hardship program. 

Then in XXXX I lost my job due to XXXX. I was effected by a late payout of unemployment money and stimulus payments. Capital One said that they were going to give forbearance to those effected. As soon as I received the stimulus and unemployment, I paid off the credit card. 

Capital One is being unethical by denying these issues. Had they given proper instruction, the cards would have never been paid late even. I would have borrowed money to cover the minimum payments had they properly disclosed the process. Their staff inaccurately represented their hardship program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: BANK OF HAWAII CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A scammer used an official Bank Of Hawaii phone number to call me and asked me my online login information to instruct me two steps verification to use XXXX to transfer {$1000.00} to a stranger that I dont know. I lost my {$1000.00} from my checking account. I contacted the Bank Of Hawaii and they said they need to conduct investigation but could not provide me a time line regarding this matter. They disabled my online account and it has been really hard to contact them on the phone because of the long waiting time to monitor my account and get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an account without my written instructions.

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 2022-12-12
Company: AAA Collections
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im getting XXXX  from XXXX XXXX XXXX for a debt i am not aware of, i never received anything about the suit only the XXXX  from the courts that i owe XXXX money and a money judgement was filed, this is in violation of 809 ( a ) -1-2 i lost my right to request validation, and to look into whomever the debt was from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: VA
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:
Wrongs information, selling my information to third party. Incorrect reporting

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 2018-10-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the FOURTH time this complete loan mod file has been sent to Bayview. I will be filing further complaints against Bayview with the OCC and the CFPB as Bayview clearly is not reviewing the modification accurately. 

This is a XXXX-year woman in fear of losing her home with nowhere else to turn. She qualifies for a modification if Bayview could accurately underwrite the file and stop asking for erroneous  information that does not apply to this account. 

THERE ARE NO PAY STUBS STOP ASKING FOR THEM SHE IS ON SSI AND SELF-EMPLOYED XXXX XXXX IS NOT ASSOCIATED WITH THIS LOAN STOP ASKING FOR HIS INFORMATION ON THE RMA This may be under the umbrella of elderly abuse, as these documents have been provided repeatedly and no one is reading them, as the same documents are requested over and over and over again. I will take it up with outside agencies as I have had enough of Bayviews incompetenceit is appalling and you should be ashamed of yourselves. 



XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score decreased and nothing has changed except payment on time and decease in balances, the score dropped even though my history has improved

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
reporting my personal information without my consent and inaccurate reporting all account are paid and full with 100 % on time payments

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 2022-09-18
Company: EQUIFAX, INC.
State: IL
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:
reporting my personal information without my consent and inaccurate reporting all account are paid and full with 100 % on time payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX Credence Resources has reported on my credit a balance of {$470.00} without any notice. I am requred by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit. I deny any ownership of this supposed debt. This is the second company to report on my credit regarding the same amount in which on XX/XX/XXXX and XX/XX/XXXX was removed for lack of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Found out near the end of XXXX that my Experian credit score tanked by XXXX points. A possible result for the decrease was from an opened credit account in XX/XX/XXXX that opened for 2 years and ended on a late payment of 120 days in XX/XX/XXXX. 

From my best recollection, I was not physically in the United States for longer than 20 days, and am unable to open a credit account as I did not have an SSN and only visited the US as a dependant with my family using a visitor visa before XXXX. 

From this, I believed it to be a mistake or fraudulent account and attempted to dispute this with Experian, I received a result from Experian on XX/XX/XXXX stating that the dispute had been denied as XXXX presented " evidence '' and certified that the information was accurate. 

I was guided to find the " evidence '' from the company that reported the information " XXXX '', and attempted to do so in person at a local branch. The investigation was escalated to the Texas main branch of XXXX, but the personnel stated that they could not find a record of the said credit card account being opened or closed from XXXX. 

I brought the new information to Experian with a new dispute claim and requested a review, requesting the evidence that XXXX would show to Experian to refute my dispute. 

The result from Experian on XX/XX/XXXX was various other records from my credit history being removed, however, the Credit Card account has not been removed. They also did not provide any information on what evidence XXXX used to certify that the information was accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15USC 1681a ( d ) ( 2 ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information to XXXX, TransUnion and XXXX. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-10-19
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DELETE HARD INQUIRES THANKS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I file Bankruptcy XX/XX/23 and all creditors have been notified. The credit reporting company has reported being notified and still had the balances on my report as well as open accounts they were closed. They have not given me a copy of the report every time I sent the ID & Proof of address they request they ignore me. They are reporting inaccurate, not providing me a copy of my report, not updating my new balance decreases. They still have so many inaccuracies reporting even after they were notified. XXXX  accounts were closed, cc were closed XXXX balances, car loan closed no balance/

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 2021-07-09
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Screen Shot XXXX at XXXX ... png ( 85 KB ) XXXX XXXX  30 Day deposit ... docx ( 15 KB ) Speedy Cash Loan.pdf ( 582 KB ) Good Morning, It is unfortunate that I must resort to such a complaint. However Speedy cash has given me no choice but to officially report my issues with them due to repeated unheard complaints to them. 

XX/XX/2021 weeks ago I attempted to get a " speedy cash '' load to tide me over until payday. a few days later I got a notice that they had released funds to my bank and would the availability would be determined by the bank. So I called and was told that there was a issue on their side. I told them I didn't need it now and we can just cancel the loan. I was told to send a statement to customer service and let them know not to pull funds from my account, which I did XX/XX/2021. XX/XX/XXXX they again asked for t he documentation showing no loan was processed by my bank, so I sent my entire statement. This morning XX/XX/2021 I noticed they have placed a hold on my account for loan ( that I did not receive ) repayment. I contacted Speedy loan and they were unable to fix the problem. 

As you can see below the only transaction that has taken place in my bank account has been a withholding by speedy cash, therefore I want to file an official complaint against that company. They never provided the load they promised, only the recovery. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX 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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX  Accounts XXXX XXXX XXXXXXXX, " XXXX XXXX '', " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', " 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-09-24
Company: Experian Information Solutions Inc.
State: IL
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:
Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, convergant account # XXXX, XXXX, XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at 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 2022-10-21
Company: EQUIFAX, 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:
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX * Dept of Ed - XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation