BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
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 requested that Experian open an investigation a negative account listed on my credit report from XXXX XXXX in the Amount of {$1600.00} on XX/XX/XXXX. My request was that Experian provide me with validation of this account with the signed original contract in accordance to my right as the Fair Credit Reporting Act Section 609 1 ( A ) 1 states. Experian has failed to validate this account and provided me the reason that the item was updated and it meets the requirements of the Fair Credit Reporting Act. The report also suggested that I could directly reach out to XXXX XXXX, which is what I did on XX/XX/XXXX. 

Upon reaching out to XXXX XXXX, I have not recieved any correspondence about the account, I have not recieved an original signed contract from Experian or XXXX XXXX directly. The letter that I mailed to XXXX XXXX was recieved XX/XX/XXXX and signed by XXXX XXXX according to XXXX Tracking Number XXXX. However, I am being ignored and have not recieved any validation of the debt or any correspondence from XXXX XXXX. Experian continues to update my credit report stating that the Account has been verified by XXXX XXXX and they will not re-investigate this account as of XX/XX/XXXX. 

The reason for me submitting a complaint is that, I have no validation via a signed contract with XXXX XXXX stating that I owe {$1600.00} or proof that this debt is actually mine yet Experian continues to report this account as verified. This has now caused me damages because the lack of due diligence has prevented me from obtaining new credit and also prevented me from passing a financial evaluation for potential job opportunities.

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 2022-01-13
Company: NAVY FEDERAL CREDIT UNION
State: LA
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 WAS OFFERED AN SETTLEMENT AND IT WA SSUPPOSED TO BE REMOVED OFF MY XXXX ONCE PAID. I PAID AS AGREED AND THIS DEBT IS STILL SHOWING ON MY CRDIT FILE WHICH IS HIDERING ME TO OBTAIN CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
On my credit report these are not my items reporting.

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 2021-03-31
Company: Resurgent Capital Services L.P.
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: 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 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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:
This is the third time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by XXXX in XXXX. I disputed with the company that I was unhappy with the products. I had trade assurance which allows me to have a refund within 30 days of delivery of the products. The company did not honor this so I then disputed with my bank capital one. They reviewed it and denied my case in XXXX after I submitted evidence. I then resubmitted evidence in XXXX proving that my case in XXXX shouldnt have been denied and it was denied based on time being past 90 days. Capital one failed to give me my money back in XXXX as I was scammed and I proved I had trade assurance which XXXX did not honor. They sold awful products and broke the contract. Capital one did not help me even though I have proven the case. I am owed my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
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:
# 1 ( JPMCB  ) I received hard inquiry on my credit report showing that I applied for a product. I called to verify that I did not apply for any new services or products from company. They informed me that I would have to contact my credit bureau to dispute this transaction because it was no longer in their hands. When I noticed the hard inquiry in the account it was XX/XX/XXXX from JPMCB card. I called on XX/XX/XXXX thru XX/XX/XXXX. 

# 2 ( ) XXXX XXXX XXXX offered a loan through their program. When applying they stated that I will not receive a hard inquiry on my report and as I come to find out, I did indeed receive a hard inquiry. On top of that the agent whom I was working with informed me that the loan was denied and couldnt move forward. I then received a called from her supervisor and manager stating the they do apologize for the miscommunication and error on behalf of my account but the loan which was applied for was approved. They went on to say that the agent whom I was working with was a new hire and was just learning how the loan process works. I did not go through with the loan and ask if they could remove that information and inquiry off my credit report. They informed me how to contact XXXX or the other credit bureaus to have the loan inquiry removed due to the negligence on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I paid off XXXX XXXX  bank it still on my credit report also its address on their I never lived their

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I was charged {$490.00} for an appraisal. 

On XX/XX/XXXX, XXXX XXXX promised to cancel refinance and refund appraisal fee for appraisal which never occurred. 

XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX ignores consumer pleas as to lack of refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have been trying for the past several months to get Equifax to remove inaccurate information from my credit report. They have asked me to send them several items, such as copies of my Social Security card, drivers license and W-2 form, and I have sent them these items multiple time, both by postal mail and by email, but they refuse to correct the information. I have filed several disputes with them. Some have been corrected but there are 2 disputes that keep coming back as " open '' or active ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Credit Bureau has not adjusted my account with XXXX XXXX as paid and current and there is no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NY
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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 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 2022-08-07
Company: Possible Financial Inc
State: OH
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:
Possible Financial is attempting to collect a debt that does not belong to me. This is a debt that comes from identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: AL
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX XXXX Inquiry from XXXX XXXX, XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. XXXX XXXX Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23. XXXX XXXX Inquiry from XX/XX/XXXX 24. XXXX XXXX Inquiry from XX/XX/XXXX 25. XXXX XXXX Inquiry from XX/XX/XXXX 26. XXXX Inquiry from XX/XX/XXXX 27. XXXX XXXX Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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 explanation
Consumer complaint received 2018-04-09
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had problem with the cards the fee are over 600 dollars my credit limit is XXXX I asked to close account long time ago but they dont want to close. I have problems paying for the last6 months but they dont want to give me an affordable amount to pay back

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 2021-03-31
Company: PROVIDENT FUNDING ASSOCIATES
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX provided my first and second mortgage. They sold my first mortgage a month after closing and kept my second mortgage. My second mortgage is a balloon payment which wasnt fully disclosed and is due now. After the past two years of phone calls and requests they refuse to refinance because it's a second mortgage. The only reason I dont have my first mortgage is because they sold it. 
They refuse to work with me and there only answer is they will foreclose if the amount isn't paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, 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:
I have a vey common name and did not know that other peoples information would be reported on my credit profile. I just stared checking my credit and notice so many accounts that should not be showing on my credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I signed an agreement with a private party that was renting their home as a vacation rental. That party requested a deposit via PayPal to secure the booking. I sent the funds as instructed via PayPal. Something didn't sit right with me when I saw that the funds that I was sending via PayPal to a person that supposedly lived in Arizona ( next door to the rental home ) were sent to the recipient as XXXX dollars. So, I researched the home and saw that it had sold in XXXX. I confirmed with the realtor that the person who booked the reservation with me was not the owner. I then emailed the party that I sent the funds to via PayPal and immediately cancelled the agreement ( on XX/XX/XXXX ) and per the agreement was entitled to a full refund. I also filed a complaint with PayPal regarding the fraudulent transaction. The party that was fraudulently renting the home replied to me and said he had processed the refund through PayPal and requested that I not file a dispute with PayPal since he was refunding me in full that day. Since then, obviously, I have not been refunded, nor have I been able to get a hold of the man. Also, PayPal denied my dispute request ( twice ), with the following explanation : " Unfortunately, this payment was sent as a Friends and Family payment, rather than a payment for Goods or Services. Friends and Family payments are not eligible for PayPal Buyer Protection. Going forward, to protect yourself, please send payments for Goods or Services when a shipment or service is expected. Friends and Family payments are intended to send money to friends or family, with no expectation of receiving merchandise or services. PayPal is not able to enforce a refund on a Friends and Family payment. 

We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated {$1000.00} CAD would be transferred to XXXX no later than XX/XX/XXXX. According to our records, {$1000.00} CAD was delivered to XXXX on XX/XX/XXXX. Because the transaction completed correctly as disclosed, no error occurred. '' This is a significant amount of money stolen from me via PayPal and they aren't providing any assistance in recovering it or preventing this person from continuing to do so to others. Hopefully, there is some way of getting my money back and finding/stopping the person who is behind this PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21
Company: AR Resources, 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:
To Whom It May Concern, The reason for my dispute is AR RESOURCES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AR RESOURCES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) AR RESOURCES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. AR RESOURCES is held liable as well for defamation and in the state of FLORIDA allows for serious fines .AR RESOURCES is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. AR RESOURCES has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!

Company response to consumer: Closed with explanation