BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
I contacted OneMain Financial Corporate office on XXXX XX/XX/XXXX regarding an incorrect reporting of a payment on my account ( XXXX  days late XX/XX/XXXX ). I sent a letter at the request of the Customer Service Representative on XXXX XX/XX/XXXX as well. I received a letter back stating that they have determined that my account history is being reported correctly. I have never been late and I need more information or I can file in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
During the COVID -19 pandemic I had contacted Capitol-1 cred card company to seek some financial relief on monthly payments. Capitol-1 had worked a payment arrangement plan with me on two accounts ending in XXXX & XXXX. We made our scheduled monthly payments as required. However, the amount due for each payment that they gave us to pay did not meet their threshold of the total amount due and now has impacted my credit as they show consecutive late payments. 

I am trying to obtain a credit union loan and have been denied because of capitol-1 's misinformation. They should make those late payments show as current. This is very misleading tactics. I have removed myself from these accounts and my wife will be closing them today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Innovis
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX-XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my  Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( 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 explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

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 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Transunions reporting multiple incorrect address, phone number, and alien names on my credit report. Inaccurate information being reported in my credit report. 

Letter was sent to update correct information and remove false information.

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 2019-11-07
Company: ERC
State: GA
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:
I have no idea who ENHANCED RECOVERY COMPANY is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. ENHANCED RECOVERY COMPANY is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. Enhanced Recovery did not provide any information regarding this account when I requested information from the. via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ENHANCED RECOVERY COMPANY as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ ENHANCED RECOVERY COMPANY } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to ENHANCED RECOVERY COMPANY, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: TN
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Thanks for taking the time to hear my complaint. I take care of my family across the globe and I love to buy things and send it directly to their house. This is the only way I could think my address would be use with some of the people I associate with. I see on my reports old addresses, phone numbers and names that are not associated with me and would like for everything to be accurate. This will help my rebuilding process of my credit.

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 2023-05-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/, I submitted a dispute to Experian challenging a hard inquiry made to XXXX XXXX by XX/XX/. With my XX/XX/XXXX  letter, Experian was provided a copy of my valid Texas driver license and social security card. These were provided to verify my identity. 

My XX/XX/XXXX  dispute explained to Experian that " I [ had ] contacted XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. The lady that I spoke with stated that she was unable to verify why the credit pull was conducted. '' Experian refuses to investigate the disputed inquiry. 

A copy of my communications to Experian are 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 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
In accordance with the Fair Credit Reporting Act Capital One XXXX Account # ending XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: OH
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:
First violations was this account was removed from my credit, at one point then some how ended back on my credit. This account has all so been removed from XXXX and XXXX for not being able to verify the debt. 

Second i asked for a itemized list of how they collected the total which was not provided, i asked for the original contract of the company, with XXXX  written signature agreeing to pay this company which was not provided. 

Third i disputed the validity of this debt and Experian never provided me with a copy of the original contract or any proof of the debt or proof of verification. 

Fourth They also are violating my rights and not reinvesting a disputed account. 

XXXX XXXX and XXXX have failed to verify this debt so how is experian verifying this debt. Please explain how, and provide me proof of investigation and my signature agreeing to pay this XXXX! And i want experian to send me the original contract and a contract with XXXX with me agreeing to pay 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 2017-12-13
Company: Freedom Mortgage Company
State: CO
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:
We refinanced our existing loan and closed on the loan on XX/XX/XXXX. We were told that as long as the refinance was completed before the due date of our old loan ( XX/XX/XXXX ) that it would not report late. The refinance closed on XX/XX/XXXX as planned and the company ( XXXX XXXX ) that held our old mortgage received the paperwork by XX/XX/XXXX. However, they then proceeded to put a 30 day late payment on our ( me and my husband 's credit reports ). They have been so completely rude to us during this process as well. Almost as if they are putting the late payment on our reports because they are upset that we did n't refinance with them or keep the loan with them. Regardless, their reporting is illegal and inaccurate and they refuse to fix the issue. They even put a late payment on our report for XX/XX/XXXX so we have 2 30 day late payments on our reports even though we were refinanced by XX/XX/XXXX. We have a late pay for XX/XX/XXXX and XX/XX/XXXX on our report. It has been a horrible experience and i would hope that no one else has to go thru anything like this. We have already tried working with the mortgage company and correcting the reporting with the credit bureaus but been unable to fix the issue. Please help us any way you can.

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 2019-11-07
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am an online merchant/small business owner. My 2 websites offer PayPal as a method of payment. PayPal recently changed its policy to now when a merchant processes a refund, PayPal will keep the 2.9 % + .30 cents transaction fee. This is unheard of in the payments industry! The most a payment processor keeps is usually the .30cents transaction fee. I recently had 2 suspected fraud orders on one of my websites totaling {$5600.00} that used the PayPal service as a method of payment. Within 30 minutes of the fraudulent charges, I voided the orders and refunded the money back to its PayPal account. However, PayPal kept the 2.9 % processing fees, so PayPal took approximately {$160.00} from my PayPal account. Firstly, PayPal should not be doing this period no matter the transaction type! But, what makes this even more infuriating to me is they do this even when a merchant suspects the payments to be fraudulent. So, I was still robbed of {$160.00} but not from a fraudster in the XXXX XXXX but from PayPal in XXXX XXXX. This is unheard of and is nothing but theft in my opinion! Please investigate PayPal and demand fro them to stop thieving from the retailers that have made them a success. As a result of PayPal 's new policy, I no longer accept PayPal as a form of payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
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 disputed the placement of discharged bankruptcies that were placed on my Credit report with Experian, XXXX and XXXX on XX/XX/2023. After nearly a month in a half later, XX/XX/2023, these items weren't removed as requested due to them verifying that the information of these items were obtained by the Courts. However after notifying the courts and inquiring about the accuracy of them ( the courts ) providing this information, the courts informed me via certified letter that they indeed did not disclose my information to be utilized by any credit bureau or secondary entity.

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 2020-01-28
Company: Midwest Recovery Systems
State: CA
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:
I have never received any form of contact from Midwest Recovery Systems. One day I received a credit alert, and noticed my score dropped. The cause of the drop was due to a collection account reported by Midwest. Upon learning this, I have tried contacting the agency as I was not called, mailed, or in any sort of communication. I requested my debt to be verified twice. It was reported on XX/XX/XXXX as a collection/ charge off. The due amount is {$200.00}. That is all the information I have on this debt, and only because of my credit alerts. They have yet to reach me and it is already XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Solar Mosaic LLC
State: ME
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Mosaic Inc. fraudulently reported an $ XXXX loan on both my credit report and my husband 's credit report. I received notification from my XXXX Credit Report of the loan reported. I initially contacted the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX of the fraudulent report. The representative told me the financing is done through a third-party company, Mosaic Inc ( which we were unaware of ). I reached out on XX/XX/XXXX to Mosaic via email and never heard a response. The salesperson from the XXXX XXXX sent an email confirming we never completed any loan applications on XX/XX/XXXX. I sent a follow up email on XX/XX/XXXX. Later that day Moasic Inc did respond complaining I did not contact them from the email they have on file. I immediately send another email on XX/XX/XXXX from the correct email address. 

I have submitted a complaint to the XXXX XXXX XXXX  on XX/XX/XXXX. I received a confirmation from XXXX  later that day confirming they received my complaint and are reaching out to Mosaic Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IA
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 have been a victim of fraud and i notice accounts on my credit report that i am not aware of. I have tried to reach out to 3 major credit beaureas and they wouldnt not help me with getting that information removed off my report.

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 2019-11-07
Company: EQUIFAX, INC.
State: VA
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:
Re : CFPB Case No. : XXXX XXXX Account Number We have received your complaint submitted through the Consumer Financial Protection Bureau ( CFPB ),  regarding credit reporting for a XXXX XXXX XXXX XXXX ( XXXX ) account. Thank you for allowing us the opportunity to address your concerns. 

Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the account in question. 

In an effort to resolve this matter quickly, please provide us with additional information such as : the XXXX account number or billing statement, your complete social security number, any prior last names, Vehicle Identification Number ( VIN ), or any other information you may have so we may review this matter further. Please submit the requested information through the CFPB. 

Once the information is received, the matter will be reviewed and a response will be provided. If further assistance is needed please contact us directly at XXXX XXXX XXXX XXXX XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A total of XXXX credit lines were opened under my name which I had no idea about The first credit line was for discover a total credit line of XXXX Discover claimed to flag the account as fraud and is under investigation Second credit line was not used, but still opened under my name The bank was : Ads XXXX XXXX A total credit line of XXXX Still trying to contact company Many inquiries were also ran without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially contacted Rash Curtis & Associates in XXXX requesting a validation of the account they are collecting on. They sent an account statement that was NOT from the alleged original creditor but on their letterhead and it included interest. I then contacted them again in XXXX by certified mail asking for proof that I agreed to pay any additional fees and interest. Til this day they have not responded but continue to add interest to the account. 
I have been educating myself and found out that it is against federal and state laws for collection companies to add interest unless it is agreed upon by myself. As you will see at the time of their XXXX response the interest they added increased from {$240.00} to {$410.00}.

Company response to consumer: Closed with explanation