BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
1 ) On XX/XX/2021 I sent the attached debt violation letter to XXXX XXXX XXXX pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in Full- XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received. 

XXXX XXXX XXXX  is in violation of 15 USC 1692 for the following acts : XXXX XXXX committed fraud by ignoring the cease and desist.

XXXX XXXX XXXX failed to provide the amount of the alleged debt.

XXXX XXXX XXXX  failed to provide the name and address of the original creditor.

XXXX XXXX XXXX  continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
XXXX committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to Transunion, XXXX and 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 2023-01-07
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX, XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ' XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$740.00} XXXX XXXX XXXX XXXX  .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXX XXXX Date filed XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX ' According to FCRA XXXXection 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 XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-25
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.

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 2020-08-05
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an Elderly XXXX  and XXXX XXXX Senior Citizen that suffers from a XXXX XXXX XXXX due to a XXXX XXXX  and am XXXX in my right XXXX and suffer from XXXX XXXX XXXX in my XXXX XXXX. 
I am a Qualified XXXX Individual and in a Protected Class of Citizens under the Americans With XXXX XXXX ( XXXX ). 
I qualify for enhanced penalties and wish to prosecute PHH Mortgage Services to the fullest extent of both Federal and State Law regarding all violations that are applicable in this instant case. 
If there are other Agencies that can help me, please refer me to them. 

On XX/XX/XXXX I received a mortgage statement showing that my regular monthly payment is {$780.00} and my outstanding principal balance is {$57000.00} of which XXXX is going to principal. According to the amortization schedule printed on XXXX XXXX the loan would be paid off in XXXX of XXXX to where I will be XXXX XXXX XXXX. This schedule is fine with me and i can easily afford the payments as I have a monthly income of XXXX. 

On XX/XX/XXXX I was shocked that my regular monthly payment changed to XXXX without my permission, and I never signed any documents for this change as the last correspondence I received from them was on XX/XX/XXXX " MISSING ITEMS FROM THE REQUEST FOR MORTGAGE ASSISANCE ' The outstanding balance on the XX/XX/XXXX was now {$74000.00} This is XXXX higher and the statement now shows only XXXX going to Principle. I never agreed and would never agree to this as this is unsuitable for an elderly XXXX client with only 8 years left on the loan. 

I do owe them about 10 months in back payments XXXX XXXX to XX/XX/XXXX and have instructed XXXX Loan Officer # XXXX on XX/XX/XXXX at XXXX XXXX PST to put the arrears on the back end of the current mortgage so if I have ONE more year to pay that would be fine ; NOT 30 YEARS! 
I want Enhanced Criminal Charges filed against XXXX XXXX and any other ( DOE ) OFFICER and C.E.O. of PHH Mortgage Services that assisted with this Crime, as well as PHH Mortgage as this Mortgage Fraud, Violations Of The Truth In Lending Act, Predatory Lending, Violations of State Of Nevada Chapter 645B MORTGAGE COMPANIES AND MORTGAGE LOAN ORIGINATORS. 
I will send a copy of this Complaint to The Nevada Division of Mortgage Lending for Prosecution. 
I attempted to resolve the problem in Good Faith on XX/XX/XXXX at XXXX XXXX unsuccessfully with XXXX XXXX # XXXX and XXXX # XXXX without success. 
Please help me as this is an urgent matter regarding my home of 31 years and I am suffering XXXX XXXX XXXX  and XXXX of which I am now under the care of a Licensed Board Certified XXXX and need to get it under control Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
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:
I have filed disputes Ive made a phone call and correct it addresses that werent valid and gave correct address correct spelling and proof of my name and my identity have asked to remove hard inquiries and disputed several accounts and asked for removal of those accounts and student loans and yet nothing has happened

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 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was supposed to go on A trip to a XXXX and XXXX this summer. All flights were cancelled by the carrier and I disputed the charge because the flight had been cancelled. 
Capital One, The credit card company closed the dispute finding no resolution and never mailed me stating that they wouldnt proceed after I gave them the additional information they requested. 
I was charged {$640.00} for a flight that was cancelled and was never given any response by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 erroneously reporting past due payments on 3 accounts. One car loan and 2 credit cards. Under FCRA a lender is to report accurate information which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of 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 2023-01-19
Company: Skrill USA, Inc.
State: MN
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 an account with skrill that has close to XXXX $ in it from XXXX XXXX  online and they closed my account on me and will not let me get the funds I am not able to call the company and they will not email me back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
as my lawful and rightful consumer declaration of recently and currently discovered items with probable fraud that are not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting status ' as reported when reported. 
Furthermore, this compte rendu serves as my consumer 's rightful demand for a sufficient investigation/reinvestigation into every part of any delinquency and or disparaging data charged of me to ensure the sufficiency of lawful 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 non-monetary relief
Consumer complaint received 2020-08-05
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I switched carrier from XXXX to XXXX XXXX XXXX I called to let XXXX know, and that I would wait for the final bill, when I received the final bill I did not agree with the balance so I went to a XXXX  authorize store to call into customer service to confirm who I was so I could speak with an agent to find out what my correct final balance on my account I was told in the store on the phone {$370.00} which included equipment charged so before I could pay I received another bill I call in on XX/XX/XXXXpaid XXXX than on XX/XX/XXXX I paid {$120.00} which should have been the final payment end bill. I received another statementXX/XX/XXXXcalled XXXX was told Ms. XXXX you don't owe us anything I will make sure you don't receive anymore bills that went on until XX/XX/XXXX so I went back to the XXXX authorize store spent 2 hours in that store back and forth on the phone with every statement that had with me we called Receivables Performance Management LLC and they sent me to back to XXXX customer service this went on for 2 hours no one would help me finally the agent in the store ask me for all my statements and looked at them he said Ms. XXXX I apologize that it took this long for someone to take the time to explain what is going on with your bill who ever that agent was met that one month of equipment charges where included in your final bill not that it was the remaining amount of the equipment charges which was the {$290.00}, I paid on XX/XX/XXXX {$290.00} which it took 7 months for some one to help me with this in stand of telling me every month when I called you don't owe us anything I will have it taken care of, now I need it removed from my credit or it will threaten the option of home ownership for me, please I need help getting this removed to help my credit score go up. Sincerely 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 2023-03-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX - XXXX ( EXPERIAN ) 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 15 U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The accounts with XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ALSO happen to be fraudulent, and the credit reporting agencies refuse to comply. I need IMMEDIATE compliance after failure to comply in previous disputes. To verify that an address listed on my

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 2020-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX, has reported an incorrect account that is a result of identity theft on my credit report. XXXX to place the unauthorized account on my credit report as open in my legal name. XXXX and EXPERIAN claim they did an investigation and received a signed contract from with my signature on it. This is not true and false information on my credit report. I have attached a police report from the original accounts opened without my consent. Experian refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-02-15
Company: Paypal Holdings, Inc
State: FL
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:
This is a 3 part fraudulent and identity theft issue. 1. My XXXX account which is tied to my PayPal account, was fraudulently accessed by parties in the XXXX XXXX to order from XXXX XXXX  Although 4 or the 5 attempts to purchase were caught, one went through and was charged to my PayPal account which is tied to my credit union checking account. After a dispute of this charge was filed with PayPal and declined by their computer automatic decline policy, I contacted the credit union who cancelled the current account, issued a new account, and filed a dispute to PayPal. I disputed the PayPal decline and it is currently being looked at by a person but again their computer system is wanting me to submit more information before they move forward to resolve the issue and I am unable to do what it wants me to do. 2. My credit and personal information was accessed sometime in XX/XX/XXXX and XX/XX/XXXX and numerous, more than 20, attempts were made to open various types of accounts including credit cards, payday loans, etc. At least two new accounts were opened in my name which are fraudulent and I have contacted the companies, when I could, to get them closed and reported the activity to credit reporting agencies. I have placed fraudulent warnings, freezes and blocks to lock down my credit from further attacks. I also discovered that there are more than the 3 major credit reporting companies and one was heavily used ( XXXX Credit Report ) during the wave of applications for credit. 3. A fraudulent change of mailing address was filed with the post office to change my mailing address which I have disputed but it is still pending.

Company response to consumer: Closed with explanation