BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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:
This is my third 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2015 Balance {$25000.00}

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 2022-10-21
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, my name is XXXX XXXX. 
I have a PayPal account with PayPal email ID as below : XXXX I have put my XXXX name XXXX XXXX at the time of creating this account and now they ask for my legal name, so I already provided them with my proof of address and Identification. 
The PayPal company hold my money since XX/XX/2020 and they want to hold it for 180 days!!! 
Whats the reason to put me in this pandemic under the financial pressure. 

I owe this email and this PayPal is for me so they have to release my money ASAP. 
They never answer the phone and never reply to my email with the solution. 
They make me crazy. 
I am so concerned and disappointed. 

Please help me Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/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 2022-10-21
Company: Experian Information Solutions Inc.
State: VA
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXXXXXX 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 2022-10-21
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is regarding a Consumer Credit transaction entered with Discover XX/XX/2022 and I extended your organization the credit for application no. XXXX. From your end, I have not benefitted from this transaction which is a direct violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder received no benefit. Discover is again in violation of 15 USC 1691 ( d ) ( 6 ) by entering this one sided transaction, and denying the consumers natural right to credit. I have exercised my rights in good faith and have been wrongfully discriminated by both Discover and XXXX as seen in Exhibit A, violating 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Credit Reporting Agencies have been neglecting my numerous CFPB Complaints and Dispute letters that I have been submitting to request the removal of the disputed accounts and information from my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, the Credit reporting Agencies have been claiming that the disputed account belong to me without sending me copies of proof of verification or any proof of ownership. I have been requesting that the Credit Bureaus send me copies of proof of verification if they ever claim that the disputed account and yet they have failed. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit reporting Act section 605b. I am submitting this CFPB complaint to inform the Credit Reporting agencies that I am willing to file a lawsuit against the Credit Bureaus in the event they do not remove the disputed account from my Credit File. If it is not too much to ask, I am in need to remove the disputed account from my Credit File : 1. XXXX XXXX XXXX XXXX Date XXXX Balance : {$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 2022-10-21
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 2015-06-12
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband passed away in XXXX of 2013. A couple months before he passed away, during XXXX, I had to file bankruptcy as we 'd lost his income for over a year. Prior to the bankruptcy, we had never missed any payments and our credit was outstanding. OCWEN Mortgage carried our home loan. After my husband passed away, I received proceeds from XXXX insurance policies. I tried for months and months and months to talk with someone at OCWEN to look at various options to reduce my payment so I could stay in the home. It was literally a merry-go-round. Then I received a letter introducing my new customer care person who was dedicated to personally assisting me in finding ways to work together. They would have me set an appointment when THEY called me. I was running a XXXX a month negative which I was pulling from life insurance proceeds. I offered OCWEN {$150000.00} ( my loan amount was {$320000.00} ) to restructure or refinance my loan to reduce the payment so I could afford to stay in the house. Because it was in bankruptcy status, they said they could not refinance or do anything to help or work with me. I sold my home and moved on with my life. I have never in my life talked to so many people within one company and received such a runaround. I later learned from an attorney, one of my XXXX, OCWEN was being sued in a class-action suit by a group of realtors. I was SO HAPPY and hoped those people got every penny from OCWEN. They were horrible to work with. He told me about the Consumer Financial Protection Bureau. Also after I just finished an article in Consumer Reports, I decided to try and get this out to the public so others hopefully will never have to go through what I went through. Be aware there are home mortgages loans offered under other names that actually are OCWEN. PLEASE be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Duncan Solutions, lnc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt was a parking violation at XXXX University on XXXX/XXXX/07. I paid the fine in full the morning I received the ticket. A few years later they tried to say I did n't pay it. I disputed it and it was removed from my credit report. I just received a letter in the mail from a debt collector that states the fine is their hands. Is n't this illegal? Does this fall under re-aging? I called the debut collector and explained my situation. I told them this was over 9 years ago and my documents have now been destroyed, but the debt was paid. They want me to mail the collection statement back to them with a written reason why I 'm disputing this charge. It 's a {$30.00} debt and I could pay it ... But how many times should I have to? 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2021-03-12
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent to letter of verification to all three company 's and did not get a response back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have 5 accounts in Capitol One bank. With one of my checking accounts I have bill pay. I received a notice from my home insurance company that my homeowners was going to be cancelled for non payment. Out of fear I sent another payment on XX/XX/XXXX of {$170.00} with penalty because it was Sunday and banks closed for information. Called XXXX XXXX XXXX who stated never received my payment. I called capitol one and spoke with a gentleman by the name of XXXX. He said the payment was sent on XX/XX/XXXX. I said today is XX/XX/XXXX. Please tell me what to do. I was advised to call and make a payment over the phone. My response was my payment of {$150.00} was not made by Capitol One and floating around somewhere and yesterday I made another payment with a penalty of {$170.00}. Now your asking me to call insurance company and make another payment. He transferred me to the claims department to XXXX. Who told me He would take care of it. I wanted assurance that XXXX XXXX would be notified of their mistake. He said he could not do that. I asked to speak to a higher up he said I can't they are in the back office than he hung up on me. This experience was a total nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
while checking my EXPERIAN CREDIT report, I noticed unauthorized and fraudulent credit inquiries made by CAPITALONE on or about XXXX/XXXX/2015 & XXXX did not authorize anyone employed by this company to initiate any inquiry and/or view my credit.This action by CAPITALONE has violated my FCRA Section 1681 b ( c ), without cause or justification, to which constitute a serious privacy Act Rights violation. 
I have personally requested from this company to permanently delete this information and/or send me any signed authorization from me as evidence within five business days.To this extent, CAPITALONE has ignored my request and in addition has failed to respect the process as required under the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete this immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-01-11
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sent {$2000.00} to Amerihome Mortgage Company acknowledge was received on XX/XX/2020 to be applied to my mortgage " Principal Only. '' Instead was placed in " Suspension. '' After numerous calls and hours spent on hold to have this payment applied to my mortgage, was told the {$2000.00} would be returned to me. 

After 30 days, the refund still not returned. I've sent a certified letter, countless phone calls, and still no refund. It is impossible to get any resolution with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
CaptialOne reordered transactions on my account such that automatic deductions would post before my direct deposit from my employer, resulting in an overdraft fee at XXXX %. Both the direct deposit and automatic deduction posted on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. I must also demand certified/notarized copies of the original documentation and any contracts or documents that I may have signed. I am requesting validation, i.e., competent evidence that I had some contractual obligation with this unknown company. Please delete this account NOW! 

Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I rented an apartment from XX/XX/XXXX - XX/XX/XXXX and my landlord terminated my lease on XX/XX/XXXX with a 10-Day notice of termination giving my until XX/XX/XXXX to move out. 

I paid my rent up to XX/XX/XXXX as I did not move out by the XX/XX/XXXX date. The leasing company made every attempt to retain me as a tenant despite the notice of termination and I declined, so I moved out. 

I received a phone call from the debt collection agency requesting payment for the balance of the lease ( XX/XX/XXXX - XX/XX/XXXX ) I explained the situation described above, asked if they had the termination of lease document ( they said yes ) and asked then what are you trying to collect? 

The agent of the debt collection agency started to give legal advice on what a contract is how its upheld and further explained that the leasing company has the right not to have " people like me '' on there property. After trying to further explain and defend my position I realized I did n't have to and I told him I 'll just see them in court, ask them not to call me again and hung up. 

They called back ( this time the disclaimer of you are on a recorded line was not stated ) and started to make threats that I will be ruined financially, I should be a responsible person and pay my bills, my lease was terminated because the leasing company does n't want people like me on there property etc ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief