BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from 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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 requested a credit investigation onXX/XX/XXXX, and the credit bureaus are taking too long to respond.

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 2019-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have XXXX XXXX XXXX and Portfolio Recovery Associates reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this company two times with a request for validation and I have yet to receive any correspondence in regards to the alleged collection account on my file. I have been able to resolve every other account, however, they will not respond to any of my debt validation requests. I have reached out to them on the following dates XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : 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 explanation
Consumer complaint received 2018-12-07
Company: Navient Solutions, LLC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The money that was used to withdraw from my checking account is not going towards payments of my student loans. I reached out to my actual loan provider which is Navient and they ensured me that XXXX   XXXX XXXX is a third party company and none of my payments I have been making is going towards my student loans. Navient explained to me I am part of a third party student loan scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I closed on a house with a sales price of {$380000.00}. I was required to bring an addition $ XXXX to closing to fund my escrow to pay the tax bill for 2020. I made multiple attempts to Cornerstone Home Lending, Inc. for justification for overfunding my escrow account and was told that if I did not bring the money to closing then I would not be able to close on our home. I was also told that " just bring the money and if it is incorrect you will get a refund ''. I did not agree with this decision, but I was threatened that if I did not comply, I would not be able to close on the home, so I brought the money. Two months later after the tax bills were paid in XX/XX/2020, there was a balance of {$9200.00}. After multiple emails Cornerstone begrudgingly began the process of re-estimating my escrow account contributions. Today, XXXX XXXX more than four months after closing, I received an overage check for {$6000.00}. And out of spite to my consistent demand that they refund my overage from my escrow account, Cornerstone Home Lending , Inc. has now increased my escrow by another {$130.00} per month. I asked them to provide me the appraisal value for which this increase was required and they refuse to give me that information. I have provided them with the Homestead Exemption and the current appraisal price of the home, which is {$32000.00} more than I paid for the home. Even using the {$410000.00} price of the home the total taxes will be {$7800.00}, but Cornerstone Home Lending is accumulating in my escrow {$10000.00}. When I calculate the taxes at the sales price of {$380000.00} the necessary funds needed to pay the taxes is even lower, {$7100.00}. This is will result in another overage in my escrow account of {$3000.00}. I have made several phone calls to Cornerstone Home Lending , Inc. and left messages, but I have not received a single call back. Cornerstone Home Lending, Inc is fraudulent in calculating my escrow and I can only imagine that I am not the only home owner they are withholding addition funds to overfund their mortgage accounts. Cornerstone has refused to admit fault in calculating my escrow overages and still refuses to calculate the escrow requirement using my Residential Homestead Exemption. I paid {$380000.00} for my home and it is completely reasonable to understand that I will protest the appraised value of {$410000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested a credit investigation on XXXX, and the credit bureaus are taking too long to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect  that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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 explanation
Consumer complaint received 2021-11-05
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX, I SENT SOS GROUP DBA HEAD MERCANTILE CO , INC letters about some alleged debts of the following:XXXX ; XXXX and XXXX that i do not owe. i never done business with them nor owe them this amount. also they gave my information to a lawyer acting as a debt collector trying to sue me which is against the law. 15 USC 1692e states : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Bread Financial 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: Account status incorrect

Complaint:
I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me. 

XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XX/XX/XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all. 

On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XX/XX/XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault. 

On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account. 
The XXXX XXXX sent errors about missing payments, would you please remove it? 
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report. 

I CLOSED the account, they still reported me that they own me {$5.00} to hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have multiple inquires on my account that i dont recognize.

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 2018-03-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account on XX/XX/XXXX. On XX/XX/XXXX, I was sent a letter stating my account would be frozen on XX/XX/XXXX. I did not even receive this letter until XX/XX/XXXX ( last letter in XXXX XXXX Delivery XXXX XXXX ), after the account was frozen. I went to a branch that weekend to provide documentation and was told the following week that it was illegible and to come again & again. I have submitted the requested license and passport at least 4 times by XX/XX/XXXX, the date Chase states they will close the account. 

I have multiple accounts with JPMorgan, mortgage, personal checking/savings, investment, and credit cards and which can be cross-referenced to verify my new business checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Security Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company feels they do not have to follow the law. For months now I have tried to reach them via phone and only gotten voicemails, luckily I left my email Even though they are well aware this is not my account, they refused to remove the misinformation with out me paying for it which is extortion. 
Attached I have included some of the correspondence from their secretary that refused to forward my information to a supervisor. 
By federal law they have to send me a letter via us mail then allow me 30 days to respond after that they can post the account on my credit bureau but they chose to ignore the federal law and just post this information on my report with out verifying or validating the debt. I have disputed this misinformation with my three credit agencies They immediately respond with in days that the information is accurate, has been validated and I had made a payment directly to them, to make their lie more solid.

This debt company gives all debt collectors buyers, and any other debt business a bad name they should be fined and or closed they act as if this is a game, they have cost me thousands of dollars, job oppurties, as well unnecessary stress. I filed a complaint early with the XXXX XXXX XXXX and this company has more than 113 complaints this year alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: MS
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 receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions 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:
I strugged with financial extreme hardship impacted by the COVID-19 disaster. I had contacted the creditor, requested payment options. Many creditors announced proactive measures to help borrowers impacted by COVID-19. The CARES Act has forbearance and credit reporting requirements that applied to my situation. The creditor was required to provide forbearance of other flexibilities for repayment. The creditor was required to act under the CARES Act and not to report late payments to CRA 's and remove all late fees due to this pandemic. The creditor was required to comply with the CARES Act and report my account as current. However this creditor violated, breached the CARES Act requirements and escalated negative reporting, adversely affecting my credit rating. As a result, I suffered significant harm and was unable to apply for any type of credit card, auto or personal loan. The creditor was contacted multiple times by letters, with which I asked to reverse their negative reporting and update with good will credit reportng. I was discriminated and impacted by the creditor 's unawful adverse action.

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