BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: AZ
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:
This information is fraud I demand immediate removal and block future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.

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 2022-11-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I REVIEWED MY CREDIT REPORTS WITH EXPERIAN, XXXX AND XXXX AND I NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY REPORTS. XXXX XXXX IS REPORTING A REPOSESSION BALANCE ON MY CREDIT REPORTS AND I HAVE UNAUTHORIZED CREDIT INQUIRIES FROM XXXXXXXX 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 explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
The property ( XXXX XXXX XXXX XXXX MD XXXX ) was initially purchased in XXXX of XXXX. Within two years the housing market crashed, and the value of the property decreased significantly. The outstanding loan balance became more than the appraised value. Wells Fargo was the Note holder and XXXX XXXX became the servicer of the loan. Wells FargoXXXX XXXX did propose modifications but they significantly increased the monthly payment. In addition, the proposed modifications did not address the rapid and significant decrease in value. Eventually, the modification proposal increased the monthly payment on a property that was worth significantly less. Wells FargoXXXX XXXX eventually offered XXXX dollars if we handed the property over to them. Consequently, we accepted the offer in XXXX. It was my understanding that this would be a Deed-In-Lieu of foreclosure. However, it was reported on my credit report as a foreclosure. Wells FargoXXXX XXXX engaged in deceptive and predatory lending and loan servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I shopped at Kohl 's on XX/XX/2022 and paid for my purchase with my XXXX Card because I had moved since I had used my Kohl 's card. The clerk told me that if I updated my Kohl 's card with my current address, I could get a 35 % discount. This didn't seem like a problem, so I agree to it. 
On XX/XX/XXXX, I received a lengthy letter in regular mail, telling me that my " application to open an account '' was denied. They gave several reasons. None of them made sense and were easily refuted. I suspected they had a mistaken identity or were looking at the wrong account. Upon checking my credit record, I saw that indeed they had made an inquiry into my credit and this had caused my score to go down. I found this infuriating. I didn't want Kohl 's credit, and I prided myself on keeping my XXXX XXXX as " excellent. '' It's still XXXX. 

I made the trip to my local Kohl 's store, even though it's about a XXXX hour round trip. Customer Service said they suspected fraud and gave me a phone number to call. They said the problem could only be solved over the phone. 
I called the number. I spoke with someone for a long time. Finally, he decided that he couldn't help me. He said he was transferring me to a supervisor. I waited on hold for a half hour, then was cut off. I called back the next day and asked for a supervisor. I was transferred to a voice mail. I left a message for " XXXX, '' including my name and phone number. I never received a call back. 

The first thing was inaccurate in this letter was that I had " EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. '' I have XXXX ( XXXX! ) financial obligation and that is my {$1200.00} mortgage. My income is {$3800.00}. This is more than XXXX my mortgage payment. All of my credit cards are at XXXX {$0.00} balance. I own my car. I have included a photo of the other bogus items that they say were factors in being denied credit. 
They also say I have too many credit inquiries. Before Kohl 's, I have had XXXX in the past few years, when I was thinking of buying a new house. 
I am attaching various documentation that illustrates my point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: CA
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 have disputed the loan balance of my student loans which have been paid in full with documentation to prove it from the Department of Education. XXXX as of XXXX  has not updated the loan balance on my credit report even though I have disputed it. XXXX XXXX XXXX  reported that the investigation of my dispute of the loan balance returned as verified even though the information is completely outdated. Equifax on XX/XX/ verified that the information is accurate even though it is completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: D2 Management LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/23 I was contacted by and unidentified person claiming to be a debt collector for a debt that was not acquired by me as a consumer. I was notified the call was being recorded and I informed the collector that I have no knowledge of the fraudulently opened account. I did ask what information was used to obtain this account and the little information I did receive was false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Resurgent Capital Services L.P.
State: AR
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:
I received a letter from XXXX funding in response to my letter to settle any so called debt I owe. I stated ill pay this so called debt of {$680.00} in regards to account ending in XXXX that I might owe if the following info is provided ; contract with both parties signature, a invoice ( not summary ). They responded sending me a account summary. I replied saying this is my 2nd and last attempt to settle this debt. And that they failed to provide with what I asked to prove these Accusations about me. I sent out this letter XX/XX/2023. XXXX attach last letter I sent to them. 



in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/18 we submitted a request for a short sale among other and all options regarding the late mortgage payments. In the letter we also included a short sale offer from a buyer. We requested the assistance packet to be reviewed and then review the short sale offer. On XX/XX/18 we receive 2 calls from Arvest saying our packet is being reviewed. On XX/XX/18 we receive a letter in the mail denying the short sale offer. Upon collecting information, this was done prior to the packet being approved. As you can see in the letter Arvest denied the short sale because we had not completed a packet ( which is false ) and b/c we had not been approved ( which is why we applied in the first place ). We completed a packet but Arvest denied the short sale before actually reviewing the facts. 
Due to the contract I was required to give the buyer all information and now the sale of my home is lost. 

Addtionally, Arvest denied our initial request for mortgage assistance in XXXX, because we were only 46 days behind on payments. So we were forced to take another hit on our credit score become more late, more late fees, more penalties, more likely to default before we could even speak to someone regarding our options to save our home. Arvest answer ; let us tack on more late fees, let us damage your credit some more then fill out a new packet once you are closer to foreclosure.

Finally, Arvest has a policy that requires the packet to be completed before you speak to a person regarding options to save your home. This lack of communications makes it impossible to know what options to sign up for, how it will effect your credit score, what penalties there will be, how the process works. The only thing they tell you is, fill out a packet. Can I speak to a person regarding options. No. The packet requires knowledge we could only get by speaking to a person familiar with mortgage assistance. 

The mortgage assistance team at Arvest is not set up to help their clients. All actions at Arvest are essentiallym in place to satisfy the minimal federal requirements. They call each week to have " constant contact '' but they refuse to answer questions or the person that makes these calls has no knowledge and can only say " we are reviewing your request. '' Can I speak to someone regarding my options. No. Fill out another packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 my bank account was closed for withdrawals. I called Capital One. 

They stated that a payment I received had been marked as fraudulent and unauthorized via XXXX, the payment amount was for XXXX on XX/XX/2018. This transaction was the payment for the receipt of digital goods off of XXXX. I engaged with a trade for XXXX with a user, and they authorized this payment. 

The bank froze all my funds, despite my account balance being ( XXXX ), including access to my direct deposits ( which were verified and cleared ) of XXXX and XXXX. They allowed me to make a withdrawal of XXXX but I was on the phone for six hours, I do not have any verification from them about this transaction. They also did not dispute this charge with me, they did not ask for verification ( which I have! ) on the XXXX which includes encrypted, signed and verified chat correspondence with the user ( for the exact amount ), the payment method. 

I have attached screenshots of verifications of these transactions. They can be looked up on the XXXX network ( XXXX XXXX XXXX ) which is an UNCHANGEABLE registry of actions. I can provide additional documentation. 

In addition, the account associated with my XXXX  account balance here shows ALL the funds deposited to this XXXX  account. 

They are asking me for unreasonable information such as the contact information of the user, rather than asking me for proof of the transaction, which was verified on the ethereum network. In addition, they are closing ALL of my funds, including funds that were in no way due to a payment, while I was on vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: NY
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 have a problem with not changing or updating my documents with Experian and XXXX!!! 
Not showing up on the internet screen when companies do an credit report!! 
They see derogatory information when I'm receiving 10 documents being deleted, it's been a long 2 yrs and Experian and XXXX still hasn't updated, the internet correct updates that deleted all the negative information!! 
XX/XX/XXXX  XXXX XXXX ( XXXX SSN )

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-26
Company: Helbing Law Group
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My Credit scores drop from the high 700s to the low 500 dealing with this fraudulent organization. 
I also explained to them I'm not making the same amount of money since the Covid issues have diminished.

So I explained to them I want out of the program, because my salary is not the same.

But these criminals have not provided any useful information to help this solution.

They want the same payments. All the worry abut is the money. Now I see they reporting Im 60 days late, I not paying them anything. They need to refund what I put in like I asked. 

I recommend nobody use this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Wolf River Development Company
State: MN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was trying to get a XXXX loan to get my car fixed. On XX/XX/2023 I was approved for a XXXX dollar loan. I have already paid XXXX off. When I looked up the loan to see how much longer I have to pay I see they want XXXX to pay it off. That is XXXX XXXX APR. 
I swear I was not told that, however I am on XXXX and have a hard time comprehending some things. When I called the company and asked if I could get a lower APR I was told no. I am so disappointed in myself. I dont have that kind of money. I am willing to pay a total of XXXX for my borrowed XXXX. 
Can you help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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: Information belongs to someone else

Complaint:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through Experian. XX/XX/2022. Please see attached

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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 2022-11-27
Company: EQUIFAX, 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:
I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy : Bankruptcy Reference # XXXX. Incorrect Name : XXXX, XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Paypal Holdings, Inc
State: OK
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 used 2 PayPal personal accounts to purchase certain online services and content, to receive a reimbursement from my workplace. 

I have never filed any IDs to open and close my PayPal accounts. However, PayPal started to force me filing IDs to keep the account created under the email account XXXX. 

I replied to them that I would prefer to close the account if I need to file extra IDs. Then, they shut down my another account XXXX without requesting any ID check. 

I contacted them to file a complaint as they shut down the wrong account, but I received no answers on this issue. Instead, I received a message from PayPal agent, XXXX, on XXXX XXXX XXXXXX/XX/, that I still need to file IDs either to keep or to close the account. 

In terms of the account safety, I believe my account should not be left only with certain limitations on. I would like to request PayPal to close my account properly.

Company response to consumer: Closed with explanation