BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX VA XXXX posted loan for XXXX On my report I try to resolve it myself but it is hindering me from buying a home for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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 ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. THE ADDRESS FOR THE DEROGATORY ACCOUNT IS NOT AN ADDRESS THAT I HAVE EVER RESIDED AT. I HAVE NO KNOWLEDGE OF THE ACCOUNT. THE ACCOUNT AND INQUIRIES ARE NOT AFFILIATED WITH AND TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE IT RESOLVED 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 explanation
Consumer complaint received 2020-10-11
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file 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 2023-05-03
Company: EQUIFAX, INC.
State: NC
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:
account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning. 

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credit card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ). 

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Total Card, 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 have tried unsuccessfully to reason and explain to TOTAL Visa that they have made a mistake with their reporting of 30 days late on my account and have gotten nowhere. I have sent in proof that my payment was made on time by sending them information via email and fax and also through the CFPB and they have refused to acknowledge their error. They have received a screenshot of when I submitted payment, bank statements proving their claim of that bank account being closed or not found as being wrong and bank statements showing Ive used that account with them in the past. I will now be sending in proof that my Credit Union never received request for payment as I also had to file a complaint with the NCUA about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: PENTAGON FEDERAL CREDIT UNION
State: IN
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 a victim of fraud and i have the proper documents to proof with government agency while i was incarcerated have letter from the DOJ stating when i was incarcerated and my release this was done some how using my name i have done police report to verify everything and they agree this was done while i was XXXX  have contacted and sent proper documents to Penfed Credit Union they have not responded it has been over 90 days with no response they refuse to investigate and the Credit Bureau keep saying it verifies without proper investigation. Here is the documents that have been sent i have attached them please investigate this properly.

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 2018-11-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX My name is XXXX XXXX and my account was limited {$450.00}. 
I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money.I have not received any emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company saying that I have debt of {$210.00} that I am have no knowledge of. According to FCRA section 609 ( a ) ( 1 ) ( A ) you are required t by federal law - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CCM Finance LLC
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX  CCM Finance LLC XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
State: GA
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 explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

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 2021-05-20
Company: EQUIFAX, INC.
State: MI
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:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXXEquifax XXXX XXXXEquifax XXXX XXXX-Equifax XXXX XXXX-Equifax XXXX XXXX XXXXEquifax XXXX  XXXX-Equifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXXEquifax XXXX-Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD RETAIL CARD SERVICES XXXXXX/XX/2023 I was shock to see this inquiries on my credit report I never gave anyone permisson to use my credit please remove this of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
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:
Hello, I am finding out about you all after some research on the web. I have been dealing with Wells Fargo for about a year now for a big purchase on my card. 

I contacted the Wells Fargo team and told them about unknown charges on XXXX/XXXX/2022 for {$650.00} at XXXX and {$39.00} at XXXX XXXX. I told Wells Fargo I had lost my card and found it later that day with security not thinking my card was used since it was still in my wallet when it returned to me. I let them know that I am mainly worried about the {$650.00} charge and they told me they would get back to me. Months went by and I contact them again they tell me they are still investigating. More time went by, another call, and I was told I will not be getting a refund since my card pin was entered. 

When telling Wells Fargo about this charge I let them know that I do not shop at high-end stores and to please check my account and see that this is an unusual charge. I was told since the pin was entered in I will not see my money. Please help.

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 2021-04-11
Company: Springer Collections Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection company called XXXX XXXX XXXX d/b/a Springer Collections  has been repeatedly harassing me and my wife with phone calls. My wife & I used to get our lawn service from a local lawn company called XXXX XXXX XXXX that later went out of business. Before it went out of business, the business was taken over by new owners & the new owners billed us for lawn care we never received. We think at least one of the following two things has happened : ( 1 ) we were billed for services we never received & then got sent into bill collections to pay a debt for services that were never given AND/OR ( 2 ) we were confused with another person with the same last name who lives a few blocks away but the company was so chaotic before it went out of business that it sent the bill to us by mistake. We know that # 1 definitely did happen to us. I'm also wondering if # 2 happened to us, because upon the advice of an attorney, I checked my credit report & I found an address near my house that is neither my residence nor a property I own. ( The only real estate I own is my own residence. ) Bill collectors call incessantly and will not listen to reason when I state that the debt is not mine or my wife 's.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX please remove the credit inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian please remove these credit inquiries, they are fraudulent XXXX XXXX XXXX XXXX XXXX please remove these credit inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a FHA loan through Penny Mac. I orally requested for 180 day forebearance plan under the Government Cares Act, and before the initial 180 days expired, I orally requested for an additional 180 days. My initial 180 days allegedly expired on XX/XX/XXXX. I received an unscrupulous and unlawful XX/XX/XXXX letter from Penny Mac titled, " Notice Of Default And Intent To Accelerate ''. The letter reads as follows, " This letter is a formal demand to pay {$8600.00}. '' " And Penny Mac may invoke any remedies provided for in the Note and Security instrument, including but not limited to the foreclosure sale of the property. '' " This letter is formal notice by Penny Mac Loan Services, LLC that you are in default under the terms of the documents creating and securing your loan. '' " The loan is due for  XX/XX/XXXX and subsequent payments, plus late charges, and/or any escrow balances, fees and cost. '' " As of today, the total delinquency and reinstatement amount is {$8600.00}. '' My FHA mortgage is under the forebearance plan, and it's unlawful under the Federal Cares Act to receive a default letter from PennyMac, while I'm under the forebearance plan. I'm not required to pay any mortgage payments, late fees, or penalties during my forebearance period. Lastly, I have an audio recorded conversation with Penny Mac 's representative, stating that Penny Mac have honored my second 180 days forebearance plan, and never stated that my loan is in default or delinquent status. I will be more than happy to provide the recording to CFPB upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my debit card with a sticky note attached with my pin. Multiple transactions were charged on my account. I asked for my claim to be escalated, which was declined. I work very long hours sometimes unable to do a simple call. The reason for my claim to be denied was because I called two days later not the same day. According to chase they have very strong reasons for my claim being denied. Since I've made purchases with similar merchants they ave denied my claim. XXXX is a very small town. Anyone can go to the same grocery store. I feel unsafe with my bank who i'm supposed to trust with my money. Keep in mind I work full time go to XXXX and I'm a full time mother. I have no time whatsoever. The times I've tried to get a hold of chase they have hung up on me multiple times. They are not willing to help me whatsoever. A total off {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: First Advantage LNS Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent National Credit Audit a letter demanding that they validate an account that they are reporting to my credit. The letter they sent me fell very short of the documentation required by law, and what I am entitled to as a consumer. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
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:
I am a federally protected consumer under title 15 chapter 41 ; NEVER GAVE any credit reporting agency written consent to report anything on my consumer report 15 U.S Code 1681b ( a ) ( 2 ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k.

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX  ( Tracking # XXXX XXXX The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax XXXX Tracking # XXXX ) The item was delivered aXXXX XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX  ( Tracking # XXXX XXXX The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX. 

In my attached files are copies of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : States a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-09-21
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQData International refuses to send me debt validation letter. They have no paper trail proving this belongs to me. They have no documentation bearing my signature and therefore should be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In the accordance with the fair Credit Reporting Act. the XXXX of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

DEPT OF EDXXXX XXXX XXXX OF XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 8784 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 States : it also states that 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 the 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 reporting agency if a 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 non-monetary relief