BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
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 am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 

I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 

Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA.

Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 

I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue. 

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 2023-10-05
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My PayPal account became limited on XX/XX/2019. They said in the email that day that they would contact me after 180 days on how I can get my balance. It has been 1,388 days and I have not received any messages from PayPal. They are holding {$340.00}. I deserve interest earned compensation for this failure! I called two weeks ago and talked to customer service and they have still not contacted me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted the following Bureaus XXXX  and Experian by phone advising them of unauthorized inquiries on my credit report. They both failed to correct the matter. The inquiries are from a " miscellaneous source '' and they informed me I have to find out about the inquiries and track the companies down. My score are affected by this and in compliance with the FCRA I have a right by law for this matter to be corrected. I'm also interested in speaking with an attorney and moving forward with a lawsuit if this matter can not be resolved expeditiously.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2008 Balance : {$49000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-10-02
Company: American Elite Recovery, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Recieved a call from a Miss XXXX  on XX/XX/2019. She said she was from American Elite and Associates. I've not heard of this organization and asked to not call me again since you don't leave a message. I immediately received another call only with a different caller ID. Miss XXXX  left me a message, but my voicemail does not have my name or voice on the message greeting. This is a violation of FDCPA rules since she said it was regarding a legal matter and to have my legal representation return her call. She did not know the recipient of that phone number was me or could only be heard by me. I called her back and asked for her company name and address. She didn't give me anything but said she could provide a PO box . She then asked who I was, and I responded with again asking for the company name and address. She then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. 
XXXX, XXXX. XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company by the name of Perfection Collection is claiming that I owe them {$780.00} from XX/XX/XXXX. I haven't had anything negative on my credit in many yrs. I wasnt sure what it was but upon further investigation it's an unpaid XXXX  debt from XX/XX/XXXXfrom when my alarm wasn't working. It shouldn't say XX/XX/XXXX. And I challenged it with XXXX XXXX of the situation. But the date is not my complaint its the amount of the debt and how this company lies and bullies consumers to get them to pay. The way they scheme is very dishonest. They added {$600.00} to the debt. The XXXX   balance was {$180.00}. I have documentation proving it. I even called XXXX to verify the write-off amount of {$180.00}. I then called Perfection again to confront them and they lied to me. They stated they didnt add anything towards the debt that they purchased from XXXX. So she was basically blaming them. But once I brought up that I already spoken to them she changed her tune. At one point she claimed I spoke to the wrong XXXX dept. But I actually had called them twice to verify the amount before calling Perfection back. Now Perfection Collection LLC is saying in my original contract with XXXX  it states due to nonpayment they can automatically add 12 more months of payments onto the outstanding balance if they want. Which is a lie bc I read the contract. It's also against the law to lie to me and to change the debt amount. I know it's a made up amount bc  I was paying {$39.00}. Which x12=XXXX. I was locked in on an old rate. The regular rate is XXXX so times that by 12 and it equals {$600.00}. So that proves they added this to the debt and I bet they do it all the time to other people. They will not work with me at all and just constntly cuss me out. The XXXX  Report Number I filed to dispute is XXXX The Date it was generated was XX/XX/XXXX. Please help me with these crooks. Thanks. 
Their address is Perfection Collection XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, UT XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NC
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:
The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX XXXX XXXX  I noticed some inaccurate information on my consumer report and I sent a notice to Amex to delete the account off my consumer report according to law 1681b ( 2 ) putting them on notice that I never give them written consent or authorized them to report that account on my consumer profile and to delete it. According to 15 usc 1681E ( B ) They are supposed to report with maximum accuracy but they failed to do so. They responded to my letter XX/XX/ Not even doing a full reinvestigation and told me they will not delete for another 6 years infringing on my rights and according to 15 usc 1681i ( A ) ( 5 ) ( A ) ( I ) inaccurate info should be deleted promptly. I hope we remedy this situation or I'll be forced to litigate through arbitration as this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern at Loancare : This is to correct an error made on your behalf per error resolution notice under 12C.F.R. *1024.35 I am writing to request that your correct the error described below in regard to the mortgage on my property at : address Payment Errors : OnXX/XX/2019 you withdrew by auto draft the amount of {$5000.00} ( this was done after our loan was paid off ) We contacted you on XX/XX/2019, we were told that we would be able to get a refund once we submitted you proof that the payment was made. You confirmed the loan was paid off and we also have proof from XXXX XXXX that you received the wire for the full pay off on XX/XX/2019. 
We emailed you again and attempted a call when we did not receive a confirmation with the requested ticket number on XX/XX/19, We were then advised that a check was to mailed to us on XX/XX/2019 We followed up and were told the check had not gone out. We then again called on XX/XX/2019 and were told that the request wasnt processed correctly. The customer service representative told us that they would request a call from the resolution desk but there was no one we could call. Later that day they called us ( this was a Friday ) We were told that there was nothing more that could be done until Monday. 
We have received communication again that the check will be sent out on XX/XX/2019. We are not confident of this as we have been told a check was going out a week earlier. 
It is essential, ethical and compulsory that you refund us the money that you took without a bonified need. Not only did you withdraw the payment for the loan balance was, but an additional {$3000.00}. 
You withdrew these funds After you received the complete pay off. We have no choice but to notify the Consumer Finance Protection Bureau of these mob-like practices. 
Return our funds, or we will pursue damages to the fullest extent allowed. We were put into a financial hardship by no fault of our own and will seek restitution if not handled immediately.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: VA
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$4100.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$720.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-11-10
Company: Experian Information Solutions Inc.
State: HI
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 XX/XX/XXXX I filed a complaint against Experian complaint # XXXX thru CFPB that the XXXX  XXXX XXXX XXXX was NOT mine & must be deleted from my credit profile On XX/XX/XXXX Experian completed their investigation & deleted this account HOWEVER all of the sudden as of TODAY XX/XX/22 this account is BACK ON MY REPORT AGAIN & my score has gone down XXXX points!! 
I dont know why this is or what is wrong with Experian THIS IS NOT MY ACCOUNT, MY MORTGAGE IS WITH XXXX & ALSO I JUST SOLD MY HOUSE SO MY MORTGAGE IS PAID OFF, ANYWAY!!!!! 
I WANT EXPERIAN TO REMOVE THIS HARMFUL INCORRECT INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AS I AM TRYING TRYING TO OBTAIN NEW EMPLOYMENT RIGHT NOW & THIS COULD EFFECT MY CHANCES ALSO THIS WILL INHIBIT ME FROM USING MY CREDIT THAT IS AVAILABLE TO ME!! 
I WANT THIS TAKEN OFF NOW OR I PLAN TO SEEK COMPENSATION FOR DAMAGES I HAVE INCURRED FROM THEIR INCOMPETENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NV
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 have received no communications on this debt. by phone or by mail. I can not even confirm what the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent numerous letters stating I want to see validation of this debt and they refuse to answer. I sent my last letter saying if they can not properly show me documentation validating the debt is mine then I want it deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with Amerihome Mortgage. My loan number is XXXX my name is XXXX XXXX .... I paid off this loan XX/XX/2022 I am still waiting on my refund from my escrow acct ..... I was told it was sent and I never receieved it!!! I have called at least 10 times inquiring about the status of this check. It keeps saying its sent but I have yet to recieve it. And each time they stop it and reissue it. I was told they could overnight it this last time I phoned. Can someone please assist me with this refund- {$3300.00}!!! I have taken to writing them so I will have a paper trail.! am requesting my refund to no avail? 


Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX, has violated my rights. 

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

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 2022-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX Ordered a product advertised on XXXX which took me to a merchant called XXXX ( XXXX  ). Product was an XXXX helmet that was mechanically operated with remote ( glowing eyes, actuated opening and closure of the front section of the mask ). I provided all the the website pictures and the description of the product back to Capital One showing what the product was advertised as. I received an email confirming my order. 
XXXX Received shipping details with parts in XXXX, indicating that the product was coming from XXXX XXXX I did not know this as nothing on the website indicated that the product was shipping from XXXX. Their check out process indicated that the product would arrive no later than 2 weeks upon receiving my order. 
XXXX Received the product in a box with no professional packaging, just a plastic bag covering the product. I provided pictures, dates of the product once I received it to Capital One. I sent an email to the merchant indicating that I wanted to return the product because it was nothing like what was advertised and asked for their return shipping address. 
XXXX Received a reply from Merchant that did not include the return shipping address and instead asked that I keep the product and receive a 20 % discount on other products offered on their site. I replied indicating that I wanted a refund and to please send me the return shipping address. This reply was met with an automated email stating that the company would be on some holiday festival for 5-7 days. I then called to file a dispute with Capital One. 
XXXX I provided all of the documentation to Capital One to continue the dispute process ( including the dates of the aforementioned as well as detailed pictures from the merchant 's website and also of what I received. 
XXXX Capital One requested additional documentation including the sales receipt and also a letter from an expert in the field for the product to verify the difference between what was advertised and what I actually received. I contacted Capital One to express dissatisfaction with the process and that it was going to be impossible to obtain this expert opinion letter on the product. They communicated that this was required to continue the dispute process and that I would most likely lose the dispute without this letter.

Company response to consumer: Closed with explanation