BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: NM
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:
Currently, I have a XXXX credit score but even with a " good '' credit score I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. Equifax is reporting a collection from XXXX XXXX in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Regional Management Corporation
State: GA
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 am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. 

***complaint numbers : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. *15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : XXXX XXXX Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number 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 2021-12-16
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Almost impossible to access Discover Credit Card website since late XX/XX/2021 in order to monitor activity. I keep getting the message that it is down for technical reasons though occasionally I do get through. I try different browsers at different times. My son, a IT expert has helped me with this and he too could not find a way. I have sent messages to Discover to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i have contacted the credit companies by mail and stuff asking them to remove addresses that are not mines in the last few months

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 2022-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not finish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$850.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) My out-of-pocket expenses, as well as my deductible was met. Any remaining expenses should have been covered by my insurance and because these expenses were covered there is no outstanding balance due and nothing to collect/chargeoff. ( I have attached a copy of ( 1 ) spreadsheet outlining all outgoing expenses ; ( 2 ) insurance card ; and ( 3 ) letter for XXXX  XXXX XXXX XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
called my parents house and my cell phone saying that there is a claim in there office and i am going to jail if i dont make a payment- they tried to get a payment from my father also he is a senior citizen ... ... scared him

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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:
I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2022-07-24
Company: Fidelity National Information Services, Inc. (FNIS)
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of some accounts that were opened in my name without my permission. I found out about these accounts today XX/XX/20 because I got my credit ran since I am trying to buy a house. The real estate agent I'm working with told me I would not qualify for the home loan because of all of these accounts reflecting badly on my credit. I looked through each account and none of them are mine. I did not open any of these accounts and I have never allowed anyone to open any account in my name using my personal information. I have no idea who could have opened these accounts without my permission but I have already filed a police report. I do not have any written/verbal contract with any of these companies nor did I benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I also filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2016-07-18
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Purchased the house in 1988. I retired and could no longer afford the home. Contacted the mortgage co. to do a quick sale it was approved. Could n't sale because they wanted more than the house was worth per thier appraisal. Next they approved a died in lieu. Next they kept stalling. Said thier Attorney had to do a lien search. Came back and said XXXX XXXX XXXX ahd a Lien on the property. I have never had any loan with XXXX. So I had a Attorney run a search nothing. I ask for the report. They sent me a report ran by XXXX XXXX Mortgage in california. I called them, they could not find anything. XXXX me to the Company in Indiana, they found nothing. So apparently these papers they sent me are fradulent. What they sent me was something they typed up. There is nothing legal about it. My Attorney did not find anything, thier soppose mortgage co dod not find or know anything about this lien. XXXX XXXX has been out of business for many years merged with XXXX XXXX, they had nothing. Changed name to XXXX XXXX XXXX, called them they had nothingThis has been going on for more than a year. My credit is now shot. They approved the quick sale, but I can not sell it because it is worth XXXX but they will only accept XXXX had offers for XXXX. Now they are putting up all the obstacles to not do the deed in lieu. Since there is no lien. They need to get this done and over with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed a Bank of America credit card account ending in XXXX reporting on my credit report. I have called them and closed the account, but they are still reporting it on my credit.

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 2019-12-23
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account I have asked for the company to validate the debt and they have not I want this removed as it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reached out numerous times regarding these accounts listed on my Credit profile. There are XXXX accounts listed which are invalid. Each time I have submitted a complaint the response says that the debt has been at this time I am strongly considering contacting a lawyer about this issue. There is no reason that TransUnion and XXXX are not checking the actual validity of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
MBFS has failed to respond to me in reference to the Full satisfaction of claims contract they entered into on XX/XX/2021 Full Satisfaction of Claim. The terms of the contract are clear according to UCC 3-311 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, on XXXX XXXX i received a payment on my PayPal account for an used item i wanted to sell. The transaction code is XXXX and my account is XXXX On XXXX XXXX PayPal permanently limited my account for " suspicious activity '' without even letting me explain the reason of that payment. 
PayPal told me that my funds were locked for 180 days and that i couldn't access them. 

Meanwhile the buyer started asking for the refund that i couldn't provide him due to the limitation that PayPal made on my account. 

The buyer, today, filed a police report against me for fraud. 
It's absurd that PayPal blocks the refunds getting people in trouble. 

I can't go to jail because PayPal doesn't let me refund the buyer. The money are still on my PayPal account balance, please use them to cancel the transaction and refund the buyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reached out numerous times regarding these accounts listed on my Credit profile. There are XXXX accounts listed which are invalid. Each time I have submitted a complaint the response says that the debt has been at this time I am strongly considering contacting a lawyer about this issue. There is no reason that XXXX and Experian are not checking the actual validity of the debt.

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 2022-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent XXXX letters to Portfolio Recovery to inform them the debt was due to Identity Theft but they have ignored it. The last letter was sent on XX/XX/2022 through certified mail and they did receive the letter. Since informing them of the identity theft they have begin to send XXXX to XXXX letters to my address a week trying to collect money for a debt that is not mine. And they have yet to remove the debt from my credit reports after proof of identity theft. This company has repeatedly harassed me over the years through phone and now through mail. I no longer want to be harassed for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX modification granted. Error made where late payments added to payments. Customer Account manager told my wife and I NOT to make a payment until they corrected it. Spent every month updating modification documents. Foreclosure proceedings began. The sell date was for XX/XX/XXXX. XX/XX/XXXX the XXXX modification package was sent to Bank of America. Was told that the sale was stopped. The last notice of the sale was in the state paper on XX/XX/XXXX. XXXX requests for validation of debt has been ignored. Told on XX/XX/XXXX house sold on XX/XX/XXXX. On XX/XX/XXXX found house on site listed as REO to be sold on XXXX starting bid at {$25000.00} on XX/XX/XXXX-XX/XX/XXXX. XXXX customer service managers assigned since XX/XX/XXXX. XXXX faxes sent giving the permission for Bank of America to discuss loan with my wife. XXXX appointments scheduled for customer account manager to call to discuss account. No calls received. Sat on hold for XXXX hours for one call XXXX times. Wrong phone number given on the loan modification status web site. An extension number was never given, without extension number call would hang up on my wife. Bank of America is guilty of breaking several laws : refusal to validate debt, dual tracking of a foreclosure ( packet in more than 37 days before the sale ), not posting notice in local paper, when posted it was in a state paper not widely circulated in our area more than 10 days before the sale. We were not properly notified of the foreclosure. The attorney 's letter was received almost 1 month after XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: NAVY FEDERAL CREDIT UNION
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:
As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to XXXX U.S. code XXXX ( XXXX ), XXXX U.S. code XXXX ( a ), XXXX U.S. code XXXX ( XXXX ) ( XXXX ) ( XXXX ), XXXX U.S. code XXXX ( a ) for helping to facilitate entities/companies to commit fraud. 

You/reporting agency are also in violation pursuant to XXXX U.S. code XXXX for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXXdays of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under XXXX U.S. code XXXX for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation