BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: Aqua Finance, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
my complaint is for Aqua Finance ; on XX/XX/2019 they repeatedly called my phone at XXXX, XXXX, XXXX, XXXX, and when they called me again at XXXX i advised the person who was calling that i was at work and to please not call my phone any more because that many phone calls in a day is harrassment ( all calls are logged in my phone call log on my cell phone ) ; today, XX/XX/19, they have called me at XXXX and again at XXXX at which time i answered the phone and spoke with XXXX. I told her that they have already spoken to my husband today who has told them he would call them back to make a payment and that i asked them yesterday not to call my number anymore as i am at work and not suppose to be answering my cell phone. I spoke with XXXX, a senior analyst, and he advised me that if I could not verify who i was ( since they called me??? ) then he had no choice but to end the phone call ; XXXX told me they have 5 phone numbers on our account and they call each one 3 times a day. My account is still due for the XXXX payment and this is excessive especially since they had already spoken with my husband today. Please do something about the excessive phone calls we receive from this company regarding payment on our account. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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  Account, XXXX XXXX XXXX  XXXX, Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX 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 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 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are a few accounts, inquiries and addresses that don't belong to me. Please remove 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 explanation
Consumer complaint received 2021-03-01
Company: Feldman & Stern, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX oXXXX XXXX, I received a phone call from an " unknown caller '' at XXXX XXXX A voicemail was left simply stating that I needed to call a person back named XXXX XXXX immediately. In addition, my spouse received the same phone call and voicemail at XXXX XXXX. 

I called Mr. XXXX back at XXXX  XXXX, to inquire about the reason for his call. He stated that he was collecting a debt from XXXX XXXX, a total of {$210.00}, and that this needed to be paid by XX/XX/2021, in order to not go have a bad mark on my credit score. This was stated via phone call. 

I proceeded to ask about the amount and if I could get an itemized report of where this amount of money came from. He said that it is too late and that I can not receive this information. He stated that he was calling on behalf of XXXX XXXX and that my account came to them after being delinquent at XXXX XXXX. He also claimed that I was 90 days delinquent, however I have never received any notice of this before today, XX/XX/2021. In addition, he would not provide me with a number to call so that I could receive any more information about this debt that he stated that I owed. 

I requested on the phone that he send me an email outlining the debt that I supposedly owed. This is attached below. 

My last communication with XXXX XXXX owner, XXXX XXXX, was on XX/XX/XXXX, when I cancelled my account via postal mail, where I included my key fob that gives access to the gym. I have not received any further communication with Mr. XXXX regarding any further debts or charges, until today, XX/XX/2021, from Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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

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 2023-06-10
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
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:
These companies added hard inquiries to my credit report without my consent XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX These companies added something to my credit report without my consent and i am not aware of what some of these are XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$0.00} Closed

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
The following account is not mine : XXXX XXXX ( capital one ) opened XX/XX/XXXX, and XXXX BANK XXXX opened XX/XX/XXXX. I have never applied nor used these accounts. these accounts are unauthorized and not approved by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and Land Home Financial Services that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX XXXX XXXX XXXX filed an unsupported foreclosure on XXXX XXXX XXXX case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; Legal Aid repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by XXXX XXXX. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : Land Home Financial Services ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through Legal Aid from Land Home dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess Legal Aid is under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to Land Home FS the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX Senior Citizen female that will turn XXXX next XXXX, and which health has suffered with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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:
I had mailed in a dispute to each bureau on or around XX/XX/XXXX. The dispute was against XXXX XXXX XXXX for incorrect and erroneous reporting that transpired after the settlement of the account in XX/XX/XXXX. This issue was made know during the processing of my mortgage for the purchase of my new home. On XX/XX/XXXX, I had applied for a mortgage to start construction on a new home through a builder. The home slated to be completed in XXXX with closing set on XX/XX/XXXX. Last month, on XX/XX/XXXX, when my loan officer re-pulled final credit needed since my original report had expired, I was made aware of the unacceptable updates made on this account. 

The account in question was a charged off auto loan through XXXX. This loan was settled on XX/XX/XXXX. That was the date of last payment made on this account. This was not an acknowledgement or acceptance of the debt ; it was merely an attempt to help improve my overall credit status to be able to move forward with my life and move my family on to a new home. There shouldve been no subsequent reporting since then ; yet, there were several. Enclosed are the disputes that were sent to each bureau. Additionally, after the submission of these disputes, I was able to obtain a copy of each tri-merged credit report that was pulled for the purchase of my new home. I was also able be accommodated with a breakdown of each bureau, showing the account in question. This was provided by XXXX, the company used by my lender to pull each credit report. In speaking with them, they had informed me of each bureaus specific illegitimate status updates on this account. 

Within the disputes I had requested that each bureau provide me with the information being used to maintain such errors on my credit report and even went as far as requesting a wet ink signature validating that this account was in fact mine. In calling each bureau today, I was informed by XXXX that the disputes were final, and no changes were made. I was told by XXXX that the dispute was completed ; however, the rep acknowledged that the initial reason for the dispute was NOT addressed and that a new dispute was re-submitted and that Id have to wait an additional 30 days. Equifax claimed that they hadnt changed the reporting of an old dispute and then alleging that they hadnt received anything in XXXX from me. This is unacceptable being I am at risk of losing my new home that construction is just about complete, along with the substantial deposit that is on hand with the builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called and spoke to a representative on XXXX/XXXX/XXXX and expressed how I was a victim of XXXX XXXX. I inquired about a goodwill credit that they were offering and I qualified for {$100.00} that would not be required to be paid back. The representative also said that he would refund some of my interest charges as well which would take XXXX hours to reflect on my account, but the goodwill credit would show up within an hour. I am always aware of my available balance and once both credits hit my account my available balance brought my account balance to {$360.00} which included my payment I had just previously made. My limit is {$500.00}. Today I check my account to see that my balance was {$570.00} which would put me over the limit. I was told by a representative that I continued to use my card after the available balance was gone which is false. I charges go through immediately and my available balance is updated immediately after my card is used. There is no way that any charged could have gone through after that available balance was at XXXX it would have automatically denied. All of those transactions were done in person and would have declined. I have closed my credit card account effective today due to the customer service reps including a supervisor that basically told me they could do nothing about what I was told by a previous representative or what took place on my account. This is very frustrating and was the last thing I wanted to worry about after a disaster such as XXXX XXXX. I am also considering closing my bank account with Capital One due to this error. I have been a customer of Capital One for a while and am very disappointed that I am even having to make a complaint. But no one wants to take responsibility for this mistake on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX  XXXX account appeared on my credit report after the XXXX date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the XXXX data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX  XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment history.XXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrongXXXX XXXXXXXX last active date and open date are wrong. This is not my account.XXXX  data breach XXXX XXXX  XXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through XXXX. Please remove all accounts for reasons I have listed above.

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 2020-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX American Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.

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 2018-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
After Hurricanes in Florida, last XXXX, Bank of America offered payment forbearance on equity loan XXXX, 3 months, which I accepted. My understanding at the time, and with subsequent phone calls to my " account manger ( s ) '' XXXX, and then XXXX, was that the deferred payments would be tacked on to the back of the loan. 
once I started making payments again, in XXXX, unbeknownst to me, the bank reported me late, and owing {$3200.00}. As of recently they have me as 90 days late! 
This is destroying my credit, costing me money, and making for a finacial hardship with rising credit costs, and refusals for new credit. EVERYONE AT BANK OF AMERICA THAT I HAVE SPOKEN WITH AGREES THIS SHOULD NOT HAVE OCCURRED AS THE ACCOUNT WAS IN FORBEARANCE.The account manager explained they were " behind '' in their paperwork for the final agreement to be signed, but she would remedy the credit reporting.A few weeks ago I again spoke with XXXX XXXX XXXX, who again, " spoke with her manager '' and the neagtive credit report would be removed. IT HAS NOT!

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 2020-01-28
Company: Experian Information Solutions Inc.
State: MN
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:
The items that are listed are not my items.

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