BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After reviewing my credit file I noticed a derogatory account from XXXX sent a debt validation letter to XXXX XXXX XX/XX/2021 certified mail. XXXX never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to 15 usc 1611 XXXX XXXX XXXX is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple letters asking them to investigate multiple accounts on my Experian credit report that I don't recognize and provide me with documentation showing these accounts are mine. These inaccuracies are hurting my credit rating when I need it most during this pandemic. All they keep telling me is " verified '' or " updated ''. According to the FCRA they can not be reporting unverified or inaccurate information to my credit 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 2020-05-27
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: Investigation took more than 30 days

Complaint:
SINCE 2019 I HAVE BEEN SENDING PRIVATE NOTICES LETTER TO THE CREDITS AGENCIES, UNFORTUNALLY THEY HAVE NOT ANSWERED WHAT I HAVE REQUIRED FROM THEM AND HAVE CONTINUED COMMITTING FRAUD WITHOUT DEMONSTRATING WHAT IS REQUESTED, NO PROOF OF DEBT, PLEASE SEE ATTACHED LETTERS SEND AND CONFIRM BY GENERAL POST OFFICE BY  FORM XXXX FOR THE MOST RECENTLY LETTERS. THIS ERROR MUST BE REMOVED, DELETED FROM CREDIT REPORT IMMEDIATLEY, OR I HAVE TO FILED FOR DAMAGES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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:
There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( TU, XXXX, XXXX ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX - Date Opened : XX/XX/2016 ( TU ) ; XX/XX/2016 ( XXXX  & XXXX  ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-04-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I run my XXXX XXXX on XXXX. I buy my goods from the proper market. I have a proper invoice, but for some reason PayPal took my money out of my wallet PayPal - negative {$4200.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$4200.00} XX/XX/XXXX Transfer Paid with Balance {$4200.00} Transaction ID XXXX Seller info PayPal Note {$4200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to link my pnc bank account to a few apps and it's not allowing it. This is a problem with pnc bank that needs resolved asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: MIDCOUNTRY FINANCIAL CORP
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:
I have disputed this debt with credit bureaus ; however, they will not allow me to request a further dispute. This debt is from XXXX. Pursuant to FCRA and GA statute OCGA 9-3-24, this debt should not be on my credit report because it is 9 years old. This is no way admits that the debt is mine or that it is valid. I am simply wanting it removed pursuant to federal and state law. 

PIONEER/ MID COUNTRY BANK Account number XXXX .... 
Recent balance {$1800.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Account charged off. {$1900.00} written off. {$1800.00} past due as of XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
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: Reporting company used your report improperly

Complaint:
I 've tried to reach Equifax to find out if I was part of the breach, https : //trustedidpremier.com/XXXX to no avail. Additionally I went to annual credit report dot com for the federal law approved report too, it 's locked and not taking requests currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted Bank of America when I saw a charge on my account that I did not make on XX/XX/XXXX. I was advised to close my account and they would overnight me a card for the new account due to the fraudulent charge. When I did not receive the card within 2 days, I called back. That representative told me only that my card was not sent out but that she would get it sent out to me, again overnighted. I was not given any information about issues sending me a new card by either representative I spoke to previously. 

When I got home today on XX/XX/XXXX, I checked my mail, only to find a letter from Bank of America that my " credit request '' was denied. I called their " Customer Service '' to inquire why I still had not been sent a replacement card. only to be told that they needed to access my credit, in order to send me a new card. WHAT???? I did not ask for a credit limit change, and I was the victim of credit card fraud, how is this legal? And in fact, looking online, they had already changed my account number and transferred all previous charges to my " new account '', but they are denying me a card unless I give them access to my credit reports, which were frozen in XX/XX/XXXX due to Identity Theft, reported to the FTC. Why in the world would I open my credit reports to access when I have just been the victim of credit card fraud????? 

I have been majorly inconvenienced by this, as I have multiple accounts tied to this credit card for automatic payments, at least one of which has defaulted due to this issue. 

Can you help me please? I think requiring your credit be accessed in the case of credit card fraud can't be right. They changed my account, I can see it online, but they will not issue me the replacement card unless they can access my credit?????? They obviously processed the change already. I am the victim, not the criminal. 

Sincerely, -- 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 monetary relief
Consumer complaint received 2019-11-06
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A review of my credit report show that DIVERSIFIED CONSULTA is reporting a debt owed to their company. I have contacted them several times through mail disputing this account and requesting validation. DIVERSIFIED CONSULTA has failed to validate this debt, proof they have a license to collect this debt, and provide me with documents containing my signature authorizing the establishment of this account. 

According to federal law debts must be valid and verified to be listed on credit reports. DIVERSIFIED CONSULTA is in violation of FCRA at this time for furnishing incorrect information that is negatively impacting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 credit reporting act XXXX XXXX account XXXX and Capital One account XXXX has violated my rights. 
15 USC 1681 section 602 states that I have the right to privacy.

15 USC1681 section 604 A SECTION 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end date for consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CL Holdings LLC
State: TX
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 do not have a contract or debt with this company. I have never heard of them until it appeared on my credit. They seemed to have purchased a charged off acct. Which I have no knowledge of. I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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: Old information reappears or never goes away

Complaint:
Experian, XXXX and XXXX are reporting an account with XXXX  XXXX XXXX that should have been removed due to the 7 year rule.

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 2020-07-23
Company: AES/PHEAA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was enrolled in school and AES didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with AES and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Franklin Collection Svc XXXX XXXX XXXX XXXX XXXX, MS XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing incorrect information on my credit reports for over a year, I have sent faxes, fraud reports and filed multiple complaints. XXXX had my personal information incorrect on my reports also my address nut refuse to remove, I have requested the information they have to verify the correct addresses collected also bankruptcy information they refuse. information is supposed to be verified with a signature or i am supposed to be provided the information from any 3rd part they are using to verify court information in which I have never received. I am requested all inquires unauthorized removed also all address but my correct address XXXX XXXX XXXX. I am showing multiple companies pulling my credit report from all 2 bureaus with no authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX continues to furnish inquiries on credit file. Made several attempts to have inquiry removed. Company failed to respond. Complaint is 30 days without a response. Requested a validation of signature.

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 2018-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi On Monday, XX/XX/XXXX I tried to get a service from website called XXXX, in order to get their payment plan they need a credit check from Equifax. 
I got an error from them that they cant obtain my credit report from Equifax, I have called Equifax and based on what they said they dont have my information on their file. They asked me to send them a copy of my SSN to their fax or their mailing address. I have sent them both to their FAX number and their mailing address, and I have proof that they have received them both. 
today Monday XX/XX/XXXX, I have called them many times and they dont know what is going on they tell me they haven't received my documents. 
then today they told me to check with my company that i work with, I did, they informed me they report all my correct information to IRS. so problem is from the credit report company. 
I dont know what is going on but i need a copy of my credit report from EQUIFAX, these are all despite the fact that i can easily and simply take them from FICO and XXXX, its just this company website that i need to use only can verify by equifax,.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Initially started forebearance back in XX/XX/XXXX then I requested to be cancelled shortly before the XXXX 's mortgage payment was due. I then made 6 months of consecutive payments until XX/XX/XXXX then restarted the foreberance plan. Fast forward to XX/XX/XXXX, roundpoint customer service rep stated i don't qualify for my full 18 months of foreberance because they counted the 6 months gap as part of the 18 months. Then I proceeded to escalate the issue to roudpoints " escalation team '' they have stated in an email saying I do qualify for the full 18 months. I have called in multiple times between the date XX/XX/XXXX until XX/XX/XXXX, roundpoint customer service stated on the phone the task is still pending.

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 2018-04-16
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent a debt validation letter to this company and haven't received anything in return. This was over 45 days ago. I do not know this debt and would like to see a signed copy of the lease/contract binding me to this debt. If this company is unable to provide this, I'm requesting it be deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 do not recognized these inquiries, i have reported this to the bureaus but they refused to remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion- 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 2023-04-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Good morning.. my dears At Consumer Financial Protection Bureau XXXX greeting, It's XXXX XXXX my time in the state of California, today is Monday XXXX XXXX, On or Around XXXX XXXX, I contacted CEO HSBC bank USA.N.A . ..Mr. 
XXXX XXXX, to process my Judgment XXXX At the XXXX XXXX XXXX XXXX  , County Court, State of Arizona, then month Later, I did contacted him again, then month later I Made a trip to HSBC bank XXXX XXXX, to talk to branch Manager he advised me to Contact the HQ, it's over six Month now, no reply received from HSBC bank HQ, please contact XXXX XXXX XXXX Bank CEO, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I Apply for Loss mitigation package from Nations Direct Mortgage with the help of Housing counselor from XXXX XXXX XXXX XXXX XXXX, Loss mitigation was sent on XX/XX/2019 via fax by the housing Counselor,  with all documents request it. Since then I have been sending 5 different packages of documents via fax and email as well. Each time they asking for documents that we already had send previously. 
I have fax receipt, proof of sending emails and letter from Nations Direct asking for the same documents again and again. They have also asked for a bank statement from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
It has been 2 months already going back and forward and no answers. So my Housing Counselor XXXX XXXX recommends writing a complaint to Nations Direct Mortgage.,  But help that request it since XX/XX/2019 I Should have an answer already. 

Thanks, XXXX A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation