BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CA
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 XXXX  XXXX account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. 

XXXX XXXX XXXX  ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. 

Equifax has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. 

I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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 was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.

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 2020-10-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
There are 2 issues - We purchased an item through PayPal. As we later discovered the item was sold by a XXXX company. It arrived in pieces and unusable because it was very cheaply constructed and very poorly packaged. 

We took photos on opening ( the box was destroyed so we highly suspected the product was going to be damaged ). We sent photos and PayPal advised us that we had to return the product to XXXX at our expense. As it turns out, this was more expensive then the product was. PayPal offered no further assistance. 

We would expect that, given the timeliness of our actions and thoroughness of the documentation we provided PayPal, that PayPal would refund our money ( {$30.00} ) and hold the manufacturer and/or shipper accountable. They refused. 

The second issue is that we were so frustrated with Paypal that we attempted to close our account. When we attempted this we received an error message that said we had to notify customer service. There is no phone contact information so we messaged through the PayPal website. We did this 3 times stating we would like to close our account and asked PayPal to delete all of our personal information including, but not limited to, contact information, account activity, etc. - and to eMail us a confirmation when that was done. 3 times we have received messages back stating we should " rethink '' our position and not close our account. When we were really, really insistent, PayPal sent us instructions on how to close the account - these were the same steps we followed initially when given the message to contact Customer Service. Regardless, we tried to close the account again and received the same message to contact customer support. 

We have tried to be polite ( even though we disagree with PayPal ). PayPal has been unresponsive to either of our requests and we are fed up dealing with them. We have yet to have them carry out any of our simple, straight-forward requests - and they have not closed our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

I was actually spammed numerous times with the same reoccurring document that doesn't address my issue. Each one of the documents the company spammed me with also had violations under the FDCPA The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Capital Markets Cooporative, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property tax was lowered by XXXX County due to the camp fire.  I have an escrow account with my mortgage company which I did not pick, my loan was sold.  I have been contacting CMC Funding since XX/XX/2019.  Today is XX/XX/19 and they still can not change or fix my escrow account. XXXX County has sent me XXXX check because the mortgage company continues to over pay and will not change my monthly payment amount.  In total frustration on XX/XX/19 I asked them to stop paying my property tax all together.  As of XX/XX/19 they still can not do that and every time I ask for a supervisor I am put on hold and then hung up on. I believe that what they are doing is not only bad customer service, but illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
target is reporting a balance but target sold my debt to a 3rd party debt collection company and i paid off the account with 3rd party, im asking target to update balance to XXXX balance Account name TD BANK USA/TARGETCREDIT XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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 previously sent a letter addressed to the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I receivied from the FTC for reporting the theft of my identity. I have read that all these attachents are required for the removal of the fraudulent items being reported on my Credit File. I Under the FCRA, the Credit reporting agencies are requirede to remove any account and information that resulted due to Identity theft. But despite all my efforts and undertanding of the Federal law, the Credit Bureaus are still reporting these items without proper verification. I am submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Bureaus. If the Credit Bureaus continue to report the disputed items without proper verification, I will be forced to take legal action and sue the Credit Bureaus for the damages I acquired from the Credit Bureaus indifference. I need the following items removed as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
Hard to cry was poured on my credit report that I did not give permission to do I have tried to resolve this situation for the last couple of weeksAnd it is still happening XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account open with Chase Bank that they will not give me access to. I just received a mailing against that I have an account open and every time I speak with them they negate me completely and act like they have nothing in their back offices to show me. I have included two photos of my recent mailing from Chase Bank about my open bank account. After that I included many photographs of buildings with my last name 's symbolism of circle/s uplifted on them. The Circle/s uplifted are XXXX 's. Each building uses my life expectancy to make money come in for themselves. I have never been paid for the use of my protected identity which is XXXX. Please help me finally. I am XXXX and I am upset this is political and religious persecution too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2022-05-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
American Express date open XXXX, XXXX charge off {$1600.00} wittten off for {$630.00} as of XX/XX/XXXX by American Express. This account was paid by fraudulent checking account open on my name American Express disregard to help remove from credit profile I would like American Express to file a 1099c to remove this debt thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: LEXISNEXIS
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:
XXXX lexus nexis inaccurate information to credit company or broker

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Lockhart, Morris & Montgomery 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:
Lockhart, Morris, & Mont inserted this entry on my report without communicating with me.  I have not received a dunning letter or anything from them.  By law, prior to inserting this entry on my report, they should have communicated with me and allowed me 30 days to dispute the validity of what they are alleging.  I have retrieved my report numerous times over the last few months and they are still continuing to violate my consumer rights.  My communication with them in XX/XX/2019,  (see attached), of which I sent certified for the certified receipt proves they received my dispute letter; however, has not responded. To date, they have had almost 60 days to respond.  In my letter to them, I requested they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, provide the alleged account number, date this alleged debt became payable, original delinquency date, verification that the alleged debt was assigned or sold to collector as well as a complete accounting of alleged debt.  As previously mentioned, I have not received any response from this company.  To that end, this entry should be deleted from my report immediately.  Lockhart, Morris & Mont are continually and blatantly reporting this entry and violating my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Chrysalis Holdings LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX  Loan application date XXXX Credit score XXXX Home appraisal value {$320000.00} Refinance {$160000.00} Company NEWDAY We applied for a refinance with NewDay on XX/XX/XXXX. The forms were submitted after " E Sign '' on XX/XX/XXXX. 

Our agent XXXX XXXX Account Executive XXXXNMLS # XXXX Company NMLS # XXXX disappeared for over a week, with no response from NewDay, His Cell Phone, or fax. 
He returned with a vague apology but was " terminated '' and I was given a new Broker The home appraisal was done about the 1st week of XXXX and the appraiser determined our outside deck and a retaining wall on a patio ( about 20 ' from our home ) needed to be repainted. It was to cost us {$900.00} but was completed on XX/XX/2020. 

On XX/XX/2020 we were first asked ( the first of 4 conference calls ) to join in a conference call with XXXX XXXX NewDay 's agency for Mortgage verification. 
Newday kept losing or were getting incomplete documentation from XXXX XXXX. 
We returned home yesterday and when I called NewDay my broker XXXX XXXX told me that XXXX XXXX hasn't given Him the new payoff balance ( the original figure has changed because of NewDay 's " foot dragging '' ) and asked me to call

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed down all the credit card accounts on XX/XX/XXXX. Four different accounts were closed at the same time. 3 of those accounts do not have an annual fee associated with the credit card. One of those accounts is a Citi Prestige Credit Card, which has an annual fee of {$450.00}. 

I had paid that annual fee as of XX/XX/XXXX. Here is the transaction record that shows up on my statement : XXXX XXXX, XXXX MEMBERSHIP FEE XX/XX/XXXX-XX/XX/XXXX Additional Details Transaction Type : Fees Posted Date : XXXX XXXX, XXXX Category : Miscellaneous Reference Number : XXXX Print {$450.00} The credit card account was closed XX/XX/XXXX. As a result, my {$450.00} annual fee was forfeited and I did not receive any of the benefits associated with the annual fee. Citi has not addressed or returned any portion of the fee. The annual fee is part of their service to the customer for benefits which no longer enjoy. 

Other corporations, like XXXX, return the annual fee since that means I lost out on the benefits throughout the year. For example. If I paid for an annual fee throughout the year for XXXX XXXX, and XXXX chooses not to have me as a customer, XXXX would reimburse me the annual fee that I paid, since they are closing my account. 

Citi is responsible for treating its customer fairly and ethically. As a result, I expect the fee ( or a prorated part of the fee ) to be reimbursed to me. 

Thank you.

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 2019-11-20
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:
XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XXXX2018 This inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof immediately I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I simply would like to remove the freeze placed on my account. I have attempted to do so online to no avail, therefore I contacted Experian via phone and each time, the call was disconnected. 

I am unable to utilize my credit due to a lack of unavailability on their part. It is unacceptable.

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 2021-06-16
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I previously filed a CFPB complaint XXXX on XX/XX/2020. The mortgage company Lennar Homes/Eagle Mortgage responded saying that they would work with us to resolve. Lennar has made no effort to resolve the issue to our satisfaction. After closing Lennar changed our mortgage from a FHA to a Conventional Loan without our knowledge, Lennar clllected MIP of {$3700.00} at closing and monthly payment of {$150.00} for a year and never sent the money to the FHA to fund the loan. We were only made aware when we tried to refinace and were told we didn't have FHA loan although all of our closing documents show we do. We would like you to reopen our original complaint to get them to resolve the issue. We contacted a lawyer but Lennar failed to respond to their request fro 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 2021-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX, I made a purchase for an XXXX product with a special promotion for {$2900.00} with no interest fees if its paid in full in 24 months. Within Barclay bank promotion, If purchased is over XXXX, I have 24 months to pay it off with no interest. On XX/XX/XXXX, My account got charged three interest charges purchase of {$900.00}, {$76.00}, {$73.00}. I had call Barclay, multiple times, requested complain submission to a higher management but my calls had been dropped, and they do not want to make any responsibility towards this,.

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