BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
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:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX Account XXXX : XXXX, XXXX XXXX FIN Account Number : XXXX, XXXX XXXX FIN XXXX XXXX XXXXXXXX Account Number : XXXX XXXX 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank is emailing me, texting me, calling me every day about past due payment. this is harassment. I have until a certain day to make a payment, but they still aggressively contact me and this has to stop.

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 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX {$6500.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$830.00}

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 explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Paypal Holdings, Inc
State: MN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I purchased a used XXXX on ebay. I 've made hundreds of purchases and sales on ebay and most of them used PayPal. This time was no different. Except when I got my credit card statement, they had processed it as a cash advance. I incurred fees and interest. It was not a cash advance. I called PayPal to tell them of the error. The customer service person told me it was my credit card company 's fault. I called them and they said the code that PayPal used to process the transaction was why it was billed as a cash advance, something my credit card company ( XXXX ) did n't have control over. So I had to call PayPal back. After escalating through a customer service agent and his supervior in the XXXX, I finally got " XXXX '' ( employee ID XXXX ) at PayPal. He claimed PayPal had no responsibility or control over how they encoded the transaction, saying it was up to the the PayPal user to configure what type of account they had. I think this is unfair. It cost me over XXXX hours of my time to get my fees refunded by the credit card company who did it as a customer service, even though they had done nothing wrong. PayPal took no responsibility and offered no compensation to me for an error they could prevent if they controlled their user 's PayPal accounts better. They should n't allow credit cards that are used to purchase goods on Ebay to be billed or coded as cash advances. I used to trust PayPal. Not so much anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt
collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is regarding my current Mortgage processing bank Flagstar Bank. The bank charged {$30.00} fees too many times to my account for Payoff statement requests. I called and asked them why so many and they are not able to provide any details except below fax numbers through which it was requested. Flagstar does not know who they sent it to and when I asked more details they are askimg me to XXXX the numbers and find out the details myself. When I tried some of the numbers came back as Unknown. So I checked with Flagstar again and mentioned that as my loan account has been charged {$30.00} for each request I am entitled to know who requested it but Flagstar is not providing me any details about who they sent my information to. Instead of helping me Flagstar is asking me to send a fax to each of the numbers below to indentify who this is. I really need to know who they sent my information to as the total charge for these requests summed up to {$150.00} ( 5 times {$30.00} ). Attached bank staement. 
Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered 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 2021-02-24
Company: Experian Information Solutions Inc.
State: IL
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:
I did not supply under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

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 2016-07-11
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE BEEN TRYING TO GET A MODIFICATION WITH MY MORTGAGE COMPANY US BANK BUT I KEEP GETTING THE RUNAROUND. I FAXED MY A COMPLETE PACKET 100 TIMES THEY DENIED ME FOR NO REASON REFUSE TO HELP WHEN I ASK QUESTION TELL ME IM DOING PACKET WRONG BUT WHEN I ASK WHAT IM DOING WRONG THEY SAY " WE ARENT ALLOWED TO TELL YOU HOW TOP DO IT '' IM TRTYING TO KEEP MY HOUSE BUT THE BANKS WONT HELP!!!!!!!!!!!! US BANK IS IMPOSSIBLE TO DEAL WITH. I CANT GET A SUPERVISOR THAT IN THE COUNTY I CANTR UNDERSTAND THE PERSON ON THE PHONE ( FOREIGN ) I CANT GET ANYWHERE

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 2020-08-10
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
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 received a voice mail today from " XXXX '' at First National Bank of Omaha stating he wanted to verify that I applied for a credit card from the bank. I did not. I attempted to call the bank and speak with XXXX but was unable to do so. The phone number that I received the call from was XXXX which is different then any phone number I have found for this bank. Not sure if that helps or not. I have had ID theft problems in the past with someone trying to open accounts using my information. Luckily I have not had one be successful yet. I would like this to go on record.

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 2016-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
not complaining about capital one. need individual attention. i have decided to get back and want returned XXXX from XXXX on my card ending in XXXX i have explained that this merchant was not at all customer friendly and since i disputed the first XXXX on XXXX i have had dealings not fruitful. my daiughter CRied every day at camp with no one telling me or telling me when i called to ask how she was. With the merchants attitude blaming me for my daughter not enjoying camp i seek the XXXX returned please this was NOT somthing i was aware of in terms of his attitude when i filed on XXXX for the dispute i am a good customer here. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Residential Credit Solutions, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Residential Credit Solutions ( RCS ) is not reporting my payment history correctly with the credit bureaus. My loan was transferred from XXXX XXXX XXXX in XXXX XXXX, RCS did not send modification paperwork until XXXX/XXXX/XXXX. The following are the lates showing on file from XXXX XXXX - XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX days during the modification, when they would not allow me to make a payment during this process, so technically there should be no lates on file with RCS. Please review the way this is reporting as it makes no sense to me. I would like this erroneous data removed from my credit file. 
XXXX XXXX XXXX sold my loan to Residential Credit Solutions ( RCS ) in XXXX. RCS approved my modification they added 10 years to the life of the loan at the same interest ( 5.75 % ) and increased the monthly payment. My monthly payment should have decreased when they added the additional 10 years to the term. When I caught the mistake and asked them about this they said I signed the loan documents agreeing to the terms. My loan is now transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: NCC Business Services, Inc.
State: NY
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:
A debt collector claims i owe money for back rent at some housing complex in XXXX, NY that i know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}

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 explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}

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 explanation
Consumer complaint received 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been with Capital One for over 4 years and never received to a credit line increase. I was always told that I would have to request on to go online and sign in into my account to request an increase. I requested a increase in XX/XX/XXXX and was denied showed a credit score back in XX/XX/XXXX. I called and basically was told to retry in 60 days. I then requested another increase in XX/XX/XXXX and was denied. Stated due to account passed do 60 days. When called was told because one of my accounts in XXXX was passed due 60 days. To try in XXXX and to keep paying on time as you are doing. While on my account paying my Capital One bill I applied for a card and was denied then I requested an credit line increase and was denied. The credit card said I would receive something in 7-10 days. I received an email regarding the credit line increase to check my account under documents. When I checked the reason it stated I was denied for credit line increase was due to ( TO MANY CREDIT INQUIRIES ). I have 6 inquiries on my credit report 4 from Capital One, 2 regarding my daughter 's school loans. When I called again today on XX/XX/XXXX spoke with a supervisor and was told nothing I can do it is what it is. That he has credit card and its hard for him to get an increase. That's as a customer I don't want to hear and is not pertaining to the call is about. I have tried to call and I sent in a letter regarding my issue and from the phone call basically never had my question answered from the letter basically told me to go online and gave the procedures. As a customer trying to do business with Capital One is not pleasant experience. And the customer service tells you anything to get you off the phone and will transfer to any department to pass you along to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$10000.00} XXXX XXXX {$100.00} {$21000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I ca n't find out which company reported derogatory information to Equifax. They list it as XXXX XXXX reported through XXXX. XXXX has on indication of back due debts. I have no idea who or what XXXX is? They apparently are the culprits and I ca n't contact them. Equifax is not helping by giving me the info I need. I do n't think they even know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My VA mortgage was sold in XXXX 2015 by XXXX XXXX XXXX to Carrington Mortgage services in the middle of an assumption ( my name is to be removed and the co-borrower is to remain ). The new servicer ( Carrington ) has no record of the in process assumption and asked that all the paperwork be forwarded to their research department in XXXX. The paperwork includes the release of my VA liability from the VA. Carrington stated it would take the research department 30 days to process the paperwork. They were contacted again in XXXX and no one had any record of the paperwork being received or processed. They also provided no contact info for any one at the Research Department. Just submitted the paperwork for the XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company ARS is continuing to add and take away a debt that does n't belong to me. I received 3 letters from them on XX/XX/2016 saying they were removing these accounts. These accounts are not even mine. They just sent me another so-called validation of the debt and took off the name of the original person that owes it. This is damaging my credit and preventing me from being able to obtain credit with my credit union.

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