BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have disputed fraudulent personal information with Equifax XXXX different times. I have a fraud alert on all my credit files. There are XXXX addresses where the fraud was perpetrated. I have filed an affidavit with FTC. XXXX deleted the fraudulent addresses immediately after my dispute and never re-entered them. Equifax keeps sending me notices that the disputed addresses have been deleted, but the updated credit report they attach still includes the fraudulent addresses on them. Not just that, results of some of my other disputed information along with my credit report and all personal information were mailed to the fraudulent addresses according to the dispute results summary. I demand Equifax has an actual person review and delete the fraudulent personal information from my file. At this point, Equifax is criminally liable for disseminating my personal information to unknown sources and perpetrating additional fraud with my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
hackers HAS STOLEN MY IDENITY.

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 2022-08-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Facts pertaining to Capital One Auto Finance Originated loan in XXXX of XXXX Filed for Chapter XXXX XXXX XXXX, XXXX Car loan was included in the plan and Trustee made higher payments than the regular payment on this debt. All bankruptcy payments made on time as agreed up to the time of payoff due to accident in XXXX XXXX XXXX XXXX car was totaled in an accident Obtained a payoff and insurance paid the amount and title was released Filed for voluntary dismissal of in XXXX of XXXX due to divorce Pulled a credit report and settled all debts in XXXX and XXXX of XXXXPulled an additional report to see the paid accounts in XXXX XXXX that 's when a balance to Capital One showed up Capital One was showing a balance of over {$7500.00} Disputed with them because there was a payoff settlement Due to a " cram down '' of the interest they said I still owed interest since the Chapter XXXX was not discharged Settled with them for a lesser amount I was never contacted by Capital One about the amount owed prior to the credit report that I pulled in XXXX XXXX I was never 30/60/90 days late in XXXX because this was a debt I was unaware of and I settled the debt once I realized the loan was not paid off when I had the accident in XXXX. This is how this debt is currently reporting to the credit bureaus 30/60/90/CO/CO/CO/CO from XXXX XXXX XXXX Hide original message I am being unduly harmed by the negative reporting of this loan in XXXX item should be removed from my report all together as I have acted in good faith and the negative reporting is not truly reflective of the situation. I will be penalized for this well beyond the Chapter XXXX reporting as it stands. This item will not automatically fall off my report until XXXX of XXXX. This is EXTREMELY unjust. I have paid my dues with this. I am continually declined credit and charge higher than normal interest rates because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Only have one name, work, address and phone number credit bureaus is showing multiple address, jobs, names, and phone numbers.

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 2016-06-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived in California and have no connections now or have ever had any affiliations with a XXXX XXXX, California Address. Please purge this from my record, because it 's fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: MS
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:
Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681i ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Account status incorrect

Complaint:
XXXX  DETERMINED I WAS LATE ON STUDENT LOANS IN XX/XX/2020. I'VE PAID XXXX  FOR OVER 10 YEARS ON TIME WITH AUTO MATIC DRAFT FROM MY ACCOUNT WHICH HOLDS OVER $ 30K. I DID NOT RECIEVE ANY NOTIFICATIONS ABOUT DELIQUENCY FROM XXXX  PRIOR TO HITTING MY CREDIT.

HAPPY TO PROVIDE PROOF. 

XXXX Summary as of XXXX Beginning balance Deposits and other additions Checks and other deductions Ending balance 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 2016-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have sent the loan modification package multiple times and CapitalOne Loss Mitigation team either is not processing the documents or keep losing the entire packet. I have sent them everything they required and now they 're telling me they have closed the file to do loan modification for this loan. I 'm very frustrated with their response, lack of customer service, and knowledge to be handle documents to process this file. I do not have a single point of contact for this request/process as each time I call I 've to re-explain the entire situation to a new person wasting more time and effort. Also, they only accept documents via fax/mail and I have no idea that my sent faxes are being received/processed so I have no way of confirming. This entire process has been an ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted Kohls in regard to my checking account being compromised and wrote checks on my account to pay for purchases and the checks had returned on my Kohls credit card I informed the company of the information and my account closed without my knowledge after I informed the company to rectify the issue and the account kept accrue interests and late fees even after it was closed and Kohls failed to contact me to help me resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Already one complaint against capital one Bank account XXXX is on file report was made on XX/XX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency XXXX which report to my credit report last XX/XX/XXXX for the sum of {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: LEXISNEXIS
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Lexus Nexus a reporting agency for driving records, has me down as having XXXX wrecks 1 : XX/XX/XXXX and 2:XX/XX/XXXX. after several calls I finally got the right phone number to dispute this. After speaking with them they realized they had a data entry error and was 1 number off on either my social security number or my drivers license number. They said they would put in a dispute for me BUT it takes up to 30 days to correct. Now I ca n't get insurance at a lower rate because of this company. It took them Mila seconds to mess up my record and will take them up to 30 days to correct. It not only happened to me but also my sister and my niece. I 'm asking that you please help me get this correction done sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Basically, I have been misled by PennyMac Mortgage ( PMac ) Co. as they told me I qualified for Shortsale process at least 2 yrs ago ( which I have email proof ) but all the while, they were trying to get me to refinance the loan knowing that I did not want to refinance. PMac eventually offered me a " trial '' modification loan knowing I did not want the loan or could afford it. All XXXX buyers have walked away and now pennymac has said the house is slated for foreclosure sale in XXXX XXXX, XXXX. 
SEE EMAIL excerpt sent to PMac from me below in parenthesis. 
( I started this process back in XXXX XXXX. I have provided similar information to your company several times with timeliness and expedience on my part. I have over XXXX separate emails where I have sent this type of information to XXXX different Pennymac associates all regarding loan modification to approve for short-sale. I have had XXXX buyers walk away from the sales-contract due to Pennymac 's long processing time and inability to move forward. Both buyers would have gladly re-countered offers if time was of the essence but your company has not shown that it is. The latest buyer put a contract on the house in XXXX XXXX that met all the terms that Pennymac initially requested. Pennymac has waited 4 months to counter offer the closing percentage for this current Buyer. It is now XXXX XXXX, XXXX and Pennymac has not only changed the amounts to accept for contract sale but now is asking for more of the same documentation I provided literally years earlier. Pennymac has been unreasonable in its request and has not acted with sincerity in trying to accomplish the Short-sale. ) MY REQUEST TO CFPB : 1 ) Stop foreclosure proceedings 2 ) Convince Pennymac and FHA to agree to original terms pre-foreclosure for shortsale or, 3 ) Convince Pennymac and FHA ( investor ) to agree in accepting Deed in lieu 4 ) Have Pennymac write a letter to credit bureaus stating that missed payments were due to pro-longed short sale process and credit rating should not be adversely affected. 5 ) Provide support documentation on my behalf if lawyer and I pursue law suit. 
I can provide supporting documentation at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of aFRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 youare expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively rememberedthis report for a past letter and I am including it once more. I've educated my lawyer regarding my aimsand they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
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 am writing to JPMCB - CARD SERVICE agency. I paid the charge-off and do not owe anything, you promised to delete this account after payment. I am kindly requesting JPMCB - CARD SERVICE agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: WA
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:
Divorce decree awarded all XXXX loans from XXXX to my ex-wife. There should be no debt in my name for XXXX. This is ridiculous.

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 2016-04-29
Company: The J. G. Wentworth Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
VA mortgage through JG Wentworth Home Lending LLC. My initial closing was delayed by one week because JG Wentworth required a form which upon discussing with VA XXXX in XXXX, the cleared termite report was sufficient. Instead of closing on XXXX XXXX, 2016, we closed on XXXX XXXX, 2016. According to the Closing Disclosure, the lock extension was {$2700.00}. However, the amount for lock extension was another {$2200.00}. The extra time required was not my fault because the lender was demanding a termite pretreatment form from the home builder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This continued documentation of a complaint we have filed on case XXXX. We want to submit further proof of the collection practices of this law firm. We have paid the original amount off and now they are attempting to collect interest at 10 % 6 months after the amount filed in court has been paid off. This not only happens to us but also to many people who are already having problems and this type of collection practices further damages consumers and is allowed without representation in the court. This law firm has been saying they are working with us but have only sent letters without a payment amount nor have they in our complaint sent us any documentation. As the documentation will prove they are not telling the truth. They garnishment filed against my wife 's wages on XX/XX/2016 states she owes {$5200.00}. It has been delivered to her place of employment and is actually going forward if they do not accept the XXXX dollar amount she has asked them to accept. She is doing this because the lawyers we have contacted only attempt to get her to file bankruptcy. Your agency stated it helps consumers and right now it does not feel like it. attached is their most recent legal action even though they are telling you all they are working with us. The clerks office in XXXX told us this firm is the worst and that the judges allow it. Also when my wife called them today, they told her here knew amount was over XXXX dollars not the XXXX filed in the court. 

XXXX. XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went onto the free website, I received easily, XXXX and XXXX all done on website. Equifax no. Last 2 years, you ca n't get your free credit report unless doing onerous requirements plus nothing can do by email or on line. They make you do by mail, then have to make numerous copies of things and then send to them by mail. If they make it to get it this hard, it must be impossible to correct anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MD
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 is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}

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 2022-02-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Date Incident Happened : XX/XX/2021 Basically i was using a app called Paypal which is extremely known for having terrible customer service. They recently limited my account and asked me to verify a couple of things. After i verified i woke up to a message saying that i have been permanently limited in other words ( banned ). This is absolutely absurd i have not broken the XXXX. They dont even respond to my messages instead they give me automated responses. Paypal does not care about there users. The items i sell are digital goods they dont require tracking or anything i accept the money through friends and family. This is insane! 

My Email Used In Paypal : XXXX Please Text Me Back At This Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Case # XXXX My online acess with Penfed Credit Union was blocked for suspected fraud. I have a checking account and a joint savings account with my husband. I called and verified the transactions. I was not allowed to speak directly with the fraud department. The person filled out a report and said someone would be in contact with me. When I didn't hear anything back, I called again and was told I needed to submit a bank statement. The transfers were made to an app that does not generate bank statements. 

I took screenshots that showed the transactions in question along with the name, account number, and routing number, I uploaded those to the website url I was given. Per the website I was told I'd hear back within XXXX hours. I did not hear back, so contacted them again. I received an email that the documents were forwarded to the appropriate department for review and I would hear back in XXXX hours. 

I still have not heard back, can not access my online banking, or any funds. I have never had issues verifying transactions with any banking institution until now.

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