BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: ClearPath Lending
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter with an loan offer from Clearpath lending ph XXXX XXXX XXXX XXXX call themselves VA SPONSORED LENDER ) stating that I had in the past an veteran administrative loan of {>= $1,000,000} when in fact I never had any type of loan with VA. 
In the letter they offered VA sponsored interest rate reduction refinance loan ( IRRRL ) Notification Nr XXXX I called them and they said is public info and hang-up Please investigate the way this company/bank operates to mislead customers and use fake records to lure in new customers They illegality stole my private info and mix it up with a fabricated past loan records to confuse me in order to make me agree to whatever scam they are planning. 
This is not a business practice you should tolerate if you care about consumer protection

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 2020-06-30
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX Six unauthorized transactions were noticed in our account. Three each from people we do not know. Very typical debit card fraud. Paypal recorded telephone line says they could not take our call. They did not offer a return call, they just sent us to their website. We disputed the charges on the website. Received email denials XX/XX/XXXX, XX/XX/XXXX on our cases saying the charges were authorized. They were not authorized but no-one will answer our call after numerous attempts to explain why they made this determination.. The amount is approximately {$180.00} and we did not make purchases or authorize any purchases. There is no description of what was purchased. This is purely negligent on Paypal 's behalf not to give us an explanation why they denied our complaint but more importantly we can not speak to anyone after a week of attempts by phone. They simply say on a recorded line they " do not have the personnel to answer a phone call. '' Q : Isn't a bank required Not to be closed for more than 3 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was served a civil action complaint by XXXX, XXXX XXXX XXXX who represent Crown Asset Management , LLC on XX/XX/XXXX. I answered the complaint and filed with the court on XX/XX/XXXX. I denied the statement that the last payment made on this account was on or around XX/XX/XXXX. The last payment made on this account was XX/XX/XXXX in the amount of {$270.00}. I answered the complaint with being past the statute of limitations defense. They denied my answer and came back with a reply and state the last payment was made on XX/XX/XXXX in the amount of {$100.00}. This is a false statement as I never made a payment on this account after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to Experian and XXXX about the inaccurate information on my accounts. These are disregarding consumer complaints. I have sent numerous letters and have still gotten no response. This has been a very stressful process for me and i just want the issue to be resolved.

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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of the XXXX  credit profile data breach, I now am a paid subscriber to all the 3 main credit reporting agencies, I noticed on several of the credit burros were reporting inquiries that I never made or asked for. the credit burros worked with me to investigate them and settled them accordingly.. 


I called Transunion 6 months ago to report to them I didn't know who 5 of these inquiries were form they refused to listen to me dispute them, I told them I disputed them, and they asked me to got to the police and get a police report then they would delete them from my credit profile. I went to the XXXX city police department, XXXX precinct. a police officer at the desk told me they had no way of knowing if the crime occurred within XXXX city or not, the lady officer did give me a police report pamphlet with a note saying as much with her phone and badge number..i faxed this with my dispute letter to Transunion. when I called in the next day the transunion representative told me what I had sent in was not sufficient to investigate my claims that I didn't know who made the inquiries.. 

I called again and got another representative who told me anyone can pull me credit without my permission and this was the law, but I read on the government fair credit act I have to give permission, which in these 5 instances I did not give permission and I am certain I didn't.. 

the 5 inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dispute these inquiries on my credit report because I never gave my permission for 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 2019-06-11
Company: EQUIFAX, INC.
State: NM
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On I discovered ( JEFFERSON CAPITAL SYSTEM ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly that I am 30 days past due on the XXXX/XXXX  - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form

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 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
On XX/XX/2021 Capital One received a Deletion Request letter from me letting them know that I ( the consumer ) Demand that they remove my information from their systems and any third party agencies that they have given ( without my consent ) my information to. 

On XX/XX/2021 Capital One responded with the attached letter stating that they will not remove my information and that it will remain for XXXX years. 

On XX/XX/2021 i called Capital One and spoke with Supervisor XXXX XXXX XXXX XXXX. When XXXX got on the line she stated her credentials. She also advised me that I was on a recorded line. I replied to her that he is also being recorded on my behalf, and that I am in a one party state and on need my consent to record. XXXX then disconnected the call. 

On XX/XX/2021 I called back and spoke with Agent XXXX XXXX XXXX XXXX. XXXX advised me that i was on a recorded line. I then advised XXXX that she is also being recorded and that i am a one party state and only need my consent. I then asked XXXX to transfer me to a supervisor and she transferred me to XXXX XXXX XXXX XXXX. When XXXX got on the call she advised me that i was on a recorded line. I then advised her that she is also on a recorded line on my behalf and that i am a one party state and only need my consent. XXXX then asked me to stop recording and i refused to do so. XXXX disconnect the call. 

Capital One is Violating my consumer RIGHT TO PRIVACY 15 U. S. Code 1681 ( a ) ( 4 ).

Capital One was never given written permission to report any of my information 15 U.S. Code 1681b ( a ) ( 2 ).

Capital One is not the original creditor and can not report anything that pertains to me unless I ( The original Creditor/ Consumer ) give them permission to do so. 

Capital One is committing IDENTITY THEFT FRAUD. The have my person information and have transferred my person information with out my consent 18 U.S. Code 1028A ( a ) ( 1 ) The information that Capital One is reporting on my consumer report is negatively impacting my score and I DEMAND that it be removed IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NY
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:
I have made several attempts with Equifax to resolve an issue with XXXX XXXX XXXX. They continue to leave an inaccurately reported account on my credit report. Now, Equifax has deleted my active mortgage, so my credit reports that I have no mortgage account. I am not sure what XXXX XXXX XXXX is in charge at Equifax, but it certainly appears that they need to be let go. I would like to have my active mortgage returned to my credit report and the XXXX XXXX XXXX account with inaccurate info removed. I do not know how to accomplish this as Equifax has been uncooperative and obviously incapable of accurately reporting my credit history. My mortgage is with XXXX  XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Avadyne Health Holdings, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Upon reviewing my XXXX, XXXX  and XXXX  credit reports, I noticed a debt which has not been validated, reporting by a collection agency I am not familiar with. After further review and upon visiting the NC Department of Insurance website I realized not only is this not a company I'm familiar with, but they are illegally reporting me to the credit bureaus because they are not licensed to collect in the state of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
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 DISPUTED ACCOUNT LISTED DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. I AM REQUESTING TO HAVE THIS ACCOUNT REMOVE OF MY CREDIT FILE FOR IT OS NOT LIABLE TO MY NAME OR SSN. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS IMMEDIATELY REMOVED. FOR YOUR CONVENIENCE, I HAVE ATTACHED AND HIGHLIGHTED THE DISPUTED ACCOUNTS.

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 2018-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. These accounts were recently removed from my credit bureau, then placed on. STOP DOING ILLEGAL THINGS, SCAMMERS! This company purchased a debt that no longer exists. There are three accounts they acquired one from XXXX XXXX, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.

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 2018-06-19
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been reviewing my credit file and upon receipt of my updated XXXX, XXXX and XXXX I noticed there is an account that I am not familiar with, that has not been validated. After further investigation and entering the companies information in the North Carolina Department of Insurance database, I realized that the company named ERC is not licensed to act as a collection agency in the state of North Carolina which is where I reside and have resided the majority of my life. Information is updated as of XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/18 on Equifax by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX  I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XX/XX/XXXX/XX/XX/XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:05/11/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX  XXXX Company : XXXX XXXX XXXX : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date XXXX XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXte : XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX  Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX Date:XXXX Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company XXXX XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX/XXXX XXXX   Date:XX/XX/2018

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