BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: National Credit Adjusters, LLC
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:
Following the program steps outlined in my Identity Theft Report, I sent letters to the following debt collection agency on XX/XX/XXXX : NATIONAL CREDIT ADJUSTERS They were notified that I had been a victim of identity theft and I included in the correspondence to them : Identity Theft Report Copy of Credit Report FTC Notice to Furnishers of Information The written notice included the accounts listed on all 3 major credit reporting agencies, XXXX, XXXX  and XXXX. The accounts listed on the credit reports as " collection '' accounts are : NATIONAL CREDIT ADJUSTERS -- -- Partial Account # XXXX XXXX XXXX Loan {$260.00} NATIONAL CREDIT ADJUSTERS -- Partial Account # XXXX BALANCE CREDIT Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX Type UNKNOWN Amount {$550.00} Subsequently, the accounts were removed from my XXXX Credit report ONLY on XX/XX/XXXX but NOT removed from my XXXX or XXXX  report. Since the accounts were originally reported to all 3 credit reporting agencies but only removed from XXXX, is unacceptable and has had a severe impact on my inability to receive credit and is in direct violation of section 605B of the Fair Credit Reporting Act. The accounts were opened fraudulently as shown in the numerous documents sent to National Credit Adjusters including police reports, forged checks, police witness statements and my FTC Identity Theft Report. I would also like to mention that I had several other fraudulent accounts that received the same information and all have been removed from all 3 credit reports, only the 2 NATIONAL CREDIT ADJUSTERS remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: SLM CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I requested deletion of my personal private info before they transfer it to a new lender as I no longer have a sallie may credit card. They sent a denial stating I still have an account. The credit card was closed years ago. O confirmed over the phone it was closed years ago. Bit they refused to delete my personal info from their database evem thoigh they have a request form to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information Northamerica Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - Capital One has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) Cap One Inquiry from XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX  XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX XXXX Inquiry from XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2021-03-10
Company: Paypal Holdings, Inc
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 has closed my account for no reason and will not help me to get it up and running. They asked me to provide proof of all my information. I provided them with the information on the XX/XX/2021. They responded on the XX/XX/2021, saying that they have decided to close my account. I even went ahead to tell them that I was working online and paypal is the only mode of payment allowed by my employer and they still decided to close it with my money in it, for absolutely no reason. 
Am not sure whether it is a mistake but I haven't received any help from them so I felt I should just file my report here as I feel they are not doing their job properly and its really affecting me a great deal as I use paypal frequently. My paypal email is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I contacted Credit Control Corporation by phone to attempt to pay a debt equalling {$560.00} from XXXX XXXX that I was never given an opportunity to pay before it was sent to collections ( separate issue ). During the call I asked if the debt could be settled for a lesser amount and they offered {$420.00}. With fees, the total came to {$420.00}. 

I was told that Credit Control Corporation would delete the trade lines on my credit reports " on XXXX  '' and that it may take several days to come off. Instead, they only reduced the amount owed to {$140.00} and the account remains open. I disputed this transaction with the three largest credit fascists and Credit Control Corporation reaffirmed the debt instead of complying with what they stated. 

The reference number for my phone call is XXXX and my account number is XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday XX/XX/2023 I decided to deposit my paycheck into my checking account using mobile deposit. After taking pictures of both sides of the check as well as signing the check I hit the submit button. A message popped up stating that the funds will not be available until XX/XX/2023 knowing that I could not wait that long for the funds to become available I hit the cancel button ( to cancel submission of the check ) after not being able to cancel the check, I immediately called Chime. I spoke to XXXX at XXXX XXXX, explained the situation and was told on a recorded phone call that the check has been canceled. Not satisfied and also to reassure that my needs be met, I then called back to Chime and spoke with XXXX at XXXX XXXX  XX/XX/2023 on a recorded line, explained to XXXX that I just deposited my check, tried to cancel the check as XX/XX/2023 would be too long to wait for my funds to become available. I was then assured by XXXX to not worry ( on a recorded line ) my check will be canceled. Due to bad past experiences with these type issue 's, I then decided to give Chime a call for the XXXX time to assure my check was going to be canceled as I instructed. I spoke with XXXX at XXXX XXXX ( Pacific ) time, explained for a XXXX time that I needed to have my check canceled due to me not being financially stable enough to wait until XX/XX/2023 for my funds to become available. No worries said XXXX, your check has been canceled and you are free to take your check to any financial institution to cash or deposit. Me believing that my check was canceled because that's what I was told on XXXX different occasions on recorded phone lines, I decided to take the check to a local check cashing agency in my area on XX/XX/2023 only to have the police called on me, because it was the check cashing agencies belief that I was trying to defraud them by trying to cash a check that was already deposited. I was allowed to call Chime to have the story verified and fortunately was not arrested. I've tried on numerous occasions via phone calls/emails to find out why my check was never canceled per my request and no one could give me an answer. This was very unfair to me. And I definitely deserved to be treated more fairly as a consumer. To date I still vant get a straight answer. And I'm still waiting for my funds to become available as I now have to wait until end of day ( whenever that is )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-03-06
Company: MacDowell & Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
McDowell and Associates, a law firm in XXXX XXXX, CA has been contacting and harassing me for TWENTY plus years over a car loan that I never had, The loan was initiated due to identity theft when I was in college and lived in Washington State. They have continued to pursue me throughout the years, and claim they served me with a court summons in the year XX/XX/2000. In that year I did not live in California, and did not have the PO Box that they claim they served me at as I had used it years before and did not live in XXXX XXXX, anyways. Fast forward, I just received a judgement for XXXX for a debt that is not valid. They did not serve me legally, so I had no way to defend myself. Had I been served legally, I would have shown up with my police report, letter from City Attorneys office, Affadavit of Fraud from the FTC which is notartized, and it would have been taken care of. Now I have a judgement and have to deal with it. I am a XXXX person, and can not even drive to this courthouse which is far away. I intend to file a restraining order for harassment, sue them, and deal with XXXX XXXX XXXX and the court directly. Even if this was a valid debt, which it is not, the statute of limitations expired 18 years ago. I saw very bad reviews about this firms ethics and I can certainly see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I was contacted by Credit Adjustment , Inc about a medical debt. I stated that I had not received any written communication detailing the debt I supposedly owed. She told me a letter was sent. I let them know I would like to review the letter, look into the validity of the debt, and would contact them next week. I asked them to please stop repeatedly calling my phone in the meantime. I was told that this is their process and they can note the account but would keep calling me. I informed them that I had rights to not be harassed and to receive my communications via mail. She told me they would not oblige. I asked for her name and she refused to give it to me and wanted me to speak to her supervisor. I informed her that there was no reason to talk to a supervisor, that I wanted to know her name, and that I would be filing a report. She refused and stated she would note my account, but would still continue to call.

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 2023-06-07
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Got a call from XXXX asking to verify my XXXX. They had the last XXXX of my SSN. Asked to collect the debt for XXXX- was calling from Credit corp solutions. 
I have no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2022-02-10
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: Information is missing that should be on the report

Complaint:
There are two addresses on my credit report which I have never lived there in my life before

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is with PHH MORTGAGE. I have been trying to get a modification completed with this company for 3 1/2 months!!! XXXX mid XXXX XXXX They have done nothing but delay week after week, asking for yet another document or verification. 
The letters they send XXXX from XXXX XXXX XXXX state I can always get a hold of my relationship manager XXXX XXXX, whom I have never ever spoke or heard from. The calls go to another country which is just a call center that PHH MORTGAGE has. If I ask, " ok do you have all the documents now? the answer is yes ... call back Friday. When I call back on Friday I am told oh now we need ... ..another item ... and the weeks keep just rolling by causing undo stress and pressure. 
They continually will ask for ONE document every week such as a Letter of Explanation, a verification of a tenant that is XXXX XXXX and is he the same as XXXX XXXX? They should be put out of business for their tactics. 
**Time is of the essence as my mortgage payment is about to escalate to almost $ XXXX/mth ( currently I am paying almost {$3200.00} ) as of XX/XX/2021. I can not maintain that amount. I am in good standing with my current loan, never been late. I have a full time federal job, another part time job and 3 tenants that contribute rental income. 
There is absolutely no reason for this modification to not be completed. I contacted XXXX  and there are countless complaints against this company for doing exactly what I am going through. Since contacting XXXX  ( which XX/XX/XXXX XXXX  stated they had submitted my complaint to them ) I have not been able to reach a live person with PHH, the calls are transferred to a voicemail of someone called XXXX who will call back within 24 hours ... and NEVER has. 
The last request was for a " financial statement '' which was already included in their RMA ( Request for Mortgage Assistance ) the week before. 
I have raised my XXXX children in this home and have poured blood, sweat and tears into this place we call HOME. I do not want to lose my home, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-05
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:
I am a victim of identity theft.

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 2023-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My husband died and I requested a modification, However they did a modification without my income being involved.

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 2020-03-05
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a service using my debit card through PNC bank. This service was never performed so I reported the unauthorized charge to PNC. PNC then accepted fraudulent evidence to clear the purchase authorization and avoid returning my money. To this day I have not received what I paid for.

Company response to consumer: Closed with explanation