BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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/2023 XXXX XXXX XXXX called a number from XXXX that I thought was XXXX. The number was a scam. The person told me he was from XXXX and his name was XXXX XXXX. The phone number was XXXX. He told me to download an app on my phone called anydesk to help me with my issue. This guy on the phone spoke good clear english and was very convincing. He accessed my phone and transferred funds from my paypal account to someone I knew and have them send it back. He said it's to verify me. Then he transferred money from my bank account to fraud emails on XXXX. I did not authorize these transactions. I contacted bank accounts, XXXX XXXX, paypal and Venmo due to this scam. I changed password and accounts immediately. I am about XXXX dollars in negative due to the transaction made in my accounts. The amount through Paypal was {$5600.00}. I contacted Paypal and gave them all the information on what happened. They denied my claim. Paypal restricted me from ever using paypal again. I emailed them again to escalate the issue. I lost {$1600.00} from my bank account. The scammer used my Venmo account and did transactions with crypto through my account. I never used of dealt with crypto. I did not authorize any transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a home from XXXX XXXX in 2018. I had numerous complaints that involved water leaks, repeatedly, and a rat infestation. They kept saying that they would come out and never did. I finally called XXXX XXXX XXXX  and they came out and told me that they needed to go inside my attic and patch of sever holes as well as a few holes outside of the home because there was a severe infestation in my home. XXXX XXXX told me that it was not needed to do all of that and they came by and dropped off a few rat traps. The same ones that I had already purchased. I faxed them the paperwork from XXXX and they still said that the home did not need all of that. It was so bad that I could not stay there. We were killing mice and catching rats a few times a week. I called and advised them that I was leaving the home and that they had 30 days to get the infestation taken care of. If they did then I would be leaving the home. I paid my rent in full and waited 30 days. They never contacted me or fixed the situation, so I moved out on day 31.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX online since this card has been sold out from XXXX. I came across a listing on XXXX for this card. It mentioned it was slightly used and was selling it for XXXX. On XXXX this exact card is going for over XXXX. I offered XXXX and he excepted. I asked about payment and he said he excepts XXXX. I continued to send payment for XXXX on XX/XX/20. On XX/XX/20 XXXX texted me back saying that I need pay XXXX additional for shipping and insurance. I advised him that I don't need the insurance and would only pay the shipping. He was then harassing me to send me him money. He started at XXXX, then XXXX, then XXXX. I simply said no and this doesn't sound right. I said no deal and send me my money back. Also, he was using a different phone number as well for the texting. It was XXXX XXXX XXXX XXXX. Since XXXX I have been bothering him to send me my money back and at one point he said he would on XXXX but it would have to be a wire transfer. I told him to stop play games and send my money back. I also sent money request through XXXX and he continued to decline them. I gathered this information that i have from a website XXXX 

I bank with TD Bank and when I informed them that I was a victim of this scam they would not do anything to help me get my money back. I have 3 accounts with TD and a long standing customer. They simply refused to help me. They said I can open a case but most likely they can't help. This is outrageous that I can not rely on my bank to help me at all. Now I filing complaints all over the internet on my own from being a victim of this scam. Next item is XXXX, they also said they can not help. Companies like XXXX, and XXXX protect their customers but seeing that XXXX and TD are not willing to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Exeter Finance Corp.
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:
Hello, There are several recent hard inquiries on my credit report that were not made by me : - XXXX XXXX XXXX - EXETER FINANCE LLCXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. XXXX XXXX AND EXPERIAN ARE REPORTING IT. XXXX XXXX TOLD ME JUST TO SEND THEM THE POLICE  REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. EXPERIAN WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE 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 2018-07-25
Company: EQUIFAX, 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:
XXXX XXXX XXXX is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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 belongs to someone else

Complaint:
XXXX XXXX XXXX is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.

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 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have made countless attempts to resolve this issue with Bank of America. I have explained to them that the account was created without my knowledge and consent and I demand for it to be removed.

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 2018-04-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I don't know where else to turn. There is some company named XXXX XXXX reporting on my credit file and I have no idea who this company is. I never took a loan out or singed and agreement with this company. I don't know what this is and never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX sent a bill to Capio Partners stating I owed and never paid my hospital bill in the amount of {$190.00}, I never received a bill from the hospital. Then Capio Partners put on my credit XX/XX/2018 that I owe them this debt. I never new I owed a bill with the hospital because I have two insurances ( XXXX & XXXX ). I called XXXX and was told the bill statement was sent back saying invalid address, this is why I never received a bill, this was a clerical error on XXXX billing. This bill is paid and Capio Partners have yet to remove this negative action of my credit report. I have tried reaching out to Capio Partners and I have yet to get a response from them. I never even received anything from Capio Partners  informing me this account was sent to a debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: EQUIFAX, 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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Westlake Services, LLC
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: Was not notified of investigation status or results

Complaint:
I had a Auto loan with Pelican Auto Finance ( Account # XXXX ) open in XX/XX/XXXX. My car was stolen and totaled. My insurance company paid the lien amount and all debt owed. However Pelican still closed the account as a charge off Account. After sending in disputes to XXXX the account still shows on my credit report. I wasnt notified of the results within 30 days and the account wasnt removed. XXXX couldnt verify any of the information do to the fact Pelican Auto Finance is out of business. I called Pelican to attempt to resolve the issue again and their phones are out of service. The two other reporting agencies removed this auto from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
What is this complaint about? 

A {$4000.00} discrepancy. 

What type of problem are you having? 

I have spoken to customer support in regards to this complaint. They have confirmed that the loan is not accurate, but are unable to physically fix it from where they sit. They advised me to file a complaint though here ( Consumer Financial Protection Bureau ) to get it properly addressed with their internal mortgage resolution department. 

What happened? 

- We received an email from XXXX XXXX on XX/XX/2020 - The email advised us that we were able to have a complementary loan analysis - XXXX was amazing through the whole process - He confirmed that there was really no downfall to refinancing because the rates were at the lowest point in US history - We discussed all of the details and he advised us to keep AutoPay for XXXX - XXXX did suggest that we remove AutoPay for XXXX due to the closing being potentially scheduled towards the beginning of it - This way, we paid {$1200.00} to XXXX, XXXX for the closing costs to act as the XXXX mortgage payment - He advised us that we would not have a payment in XXXX - The first payment we expect is on XX/XX/2020 - The concern here is that we accidentally forgot to remove AutoPay - We emailed XXXX ( our loan processor ) on XX/XX/2020 advising her that we made this mistake and wondered what was going to happen - She called XXXX the following day that she was in the office. She advised him that they had already gotten a quote for the payoff on the loan. She told him that the payment we made with AutoPay wouldnt have anywhere to go - so we would get a refund for that payment - I recently reached out to Lakeview to discuss the loan - They advised me that I would not be getting a refund for the full payment because they called in to get a new payoff amount after the XXXX payment was made. 
- During this process I spoke with another Loan Care specialist, XXXX, who stated that the total amount paid off was {$230000.00} ; including them taking {$1700.00} from the escrow to make that payment. 
- XXXX advised and confirmed that the new loan was created for {$240000.00}, which was much higher then the payoff amount. 
- I think that maybe there was some miscommunication with the total amount on the loan from when we were initially quoted back in XXXX. However, that shouldnt have been missed because some people cant afford mistakes like this to happen .... 

RESOLUTION SUGGESTION : Since the loan was created for a larger amount then what was actually paid off, we would like to receive a refund of the {$4000.00} difference. 


What company is this complaint about? 
XXXXLakeview Loan Servicing Who are the people involved? 
XXXX XXXX ( XXXX, Mortgage Loan Originator, Lakeview Loan Servicing , LLC ) XXXX XXXX ( XXXX, Loan Processor, 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 explanation
Consumer complaint received 2020-08-05
Company: Carter-Young, 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: Account information incorrect

Complaint:
XXXX refused to remove a collection account ( Carter-Young ) off of my credit report. That debt was paid and I sent the receipt to have XXXX   remove that tradeline off my credit report. This action is affecting me getting a place to live with my children. I did send XXXX  a certified letter which was signed for on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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 information incorrect

Complaint:
This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : XXXX information solely as to transactions or experiences between the consumer and the person making the report XXXX any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : XXXX. XXXX XXXXXXXX XXXX USA XXXX XXXX XXXX XXXXXXXX XXXX USA XXXX XXXX. XXXX XXXXXXXX XXXX USA XXXX XXXX. XXXX FED CREDIT UNI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: OH
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:
The account is paid off. I have screenshots to prove it. Additionally, XXXX has released the vehicle title which is now in my possession.

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 2022-12-19
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2022-12-19
Company: EQUIFAX, 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:
I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXX, TX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX, TX. 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXX XXXX XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had a kohls card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XXXX. I just want it settled and updated for XXXX that I do not owe anything since It was settled between myself and customer service.

Company response to consumer: Closed with explanation