BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was on vacation and I checked my email on XX/XX/23. There was a survey from Kohls saying if I filled it out I would get a XXXX XXXX XXXX set. I did and they said I had to pay {$5.00} shipping. I gave my Capital One credit card number. I received a text from Capital One asking if I had authorized it and I replied yes. Once I was home and checked on my computer I realized it was a scam. I then checked my credit card charges online on XX/XX/23 and see a pending charge of {$71.00}. I immediately called Capital One to cancel this but they would not. I said it was pending still but they refused because I had authorized a charge in the past and they would cancel the card and mail a new one. I told them I did not want a new one and to cancel my account. 
I don't know if it is related but now I can't send or receive personal emails, businesses still get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: PNC Bank N.A.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Purchased a new vehicle XX/XX/XXXX ; First payment due XX/XX/XXXX. Monthly payments {$490.00}. Mailed in 7 mths of pmts with coupons to pay thru XX/XX/XXXX. No issues. In XX/XX/XXXX ( XX/XX/XXXX ) went into a local branch ( branches are not near my home-FYI ) with coupons from XX/XX/XXXX-XX/XX/XXXX to pay 6mths worth of payments. Check {$2900.00} ; 6 pmts. XX/XX/XXXX ( a couple days ago ) received a late notice and late fee for XX/XX/XXXX payment. I called XXXX this morning XX/XX/XXXX to state NOT true paid late XX/XX/XXXX thru XX/XX/XXXX. Had to speak to escalation Manager XXXX XXXX, as no one in customer service seem to understand how to correct. Everyone I spoke including XXXX kept stating my contract does not allow payments to be paid in advance ... .Told her this was not the case as I already did it last year?? ( FYI calls stated they were being recorded so they should be able to pull info ). I allowed my wife to speak to them as she better understands all of this and works on consumers behalf in her line of work. I am lodging complaint for the following : 1. PNC bank does not allow pmt online for my loan unless I open a PNC acct -- THUS taking away my chose to choose. 2. PNC customer service wants to send back over payment instead of applying it properly -- XXXX stated I would have to write separate checks for each payment so that they can apply. 3. XXXX continued to separate PNC customer service from what the branch misapplied as if they are separate institutions. 4. All customer service reps and XXXX who is an escalation manager tried to get me to believe it was my contract that states early payment not allowed when they accepted the payments last year. I asked for a removal of late fees, for this to not hurt my credit as it is excellent and I was forced to accept a payment of {$2400.00} back as she stated they could not apply????? Who does n't want to get paid??? My wife put out several tweets to @ PNC and @ CFPB to get someone to respond. I went to a branch in XXXX Florida and the manager there said he would see what he could do to help. I 'm just not sure why is this not an easy fix? If I could pay online I would have this issue. I should not be forced to write 6 different checks for you to apply 6 pmts??? I pay for these checks and should be able to pay you as legal tender with only one!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: The CBE Group, Inc.
State: UT
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:
I have multiple CBE Groups double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2019-06-19
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I filed a complaint with the CFPB ( complaint number XXXX-XXXX ) about my enrollment status being inaccurate. On XX/XX/XXXX, FedLoan replied stating that " none of the loans reflect Spring XXXX enrollment. '' This is what my record at FedLoan servicing should indicate as I have not been enrolled at any institution of higher education since XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that stated that my enrollment status had once again changed on XX/XX/XXXX, after FedLoan responded to my CFPB complaint. This new documentation dated XX/XX/XXXX and XX/XX/XXXX appears to indicate that I am enrolled half-time. This would be incorrect information if it is what FedLoan believes and would directly contradict the statement in FedLoan 's reply to CFPB complaint XXXX-XXXX filed on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
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: Account status incorrect

Complaint:
On XX/XX/2020, upon review of my XXXX  credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I
would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 have been requesting my credit reports from both XXXX and Transunion for the past three months. I started calling both companies back on XX/XX/XXXX to obtain my credit reports. 

I originally requested my credit reports from XXXX and I was only about to access XXXX. XXXX and Transunion both denied me of my credit report and ERROR kept coming up at the time of my submission. 

I called XXXX and Transunion I sent in my 2 forms and identification and a statement letter of my identity and yet still I am unable to access my credit report. I have spoke with managers from both credit bureaus and I they say 72 hour update but its been month and I constantly call in to check and I havent gotten any results. 

I recently found out I can make this complaint and ask for help so I am doing so. 

This has cause financial distress on my life due to my credit being the core factor of my financial needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I originally opened my Chime Account so that I can move money into it and have another source for funds whenever I needed. I regularly move money into this account and it has never been an issue, but on XX/XX/XXXX, I attempted to transfer more than the allotted limit into my Chime account causing it to be locked. Ive been going through back and forth communication with this business via email and via phone and neither have made a strides towards resolving my issue. In email, every time I submitted the required documents or tried to respond to the email to ask questions to the agents they sent me the same email requesting documents again. I complied and yet those emails kept coming. Now abruptly, they told me via email that my account was closed and that I would not be getting a refund, I read the Deposit Account Agreement and didnt see where I violated and asked the company to provide further information, instead of doing so they sent the same automated email again refusing to explain why my funds were taken. To further explain my issue, I explained to Chime that the money I deposited came from my XXXX account. I received the money from. A Client for my freelance social media work and I moved some of it into that account so that my account would not be empty. I sent emails to Chime on XX/XX/2013, XXXX, XXXX, and XXXX XXXX and each time I kept getting automated messages. The support team at chime assured me that my funds would be secure but now they are telling me that they have been seized, I would like to get this issue resolved as soon as possible. The only reason why I can try to understand why they closed the account is because they said it cant be used for business purposes, however the account isnt used for that. Chime allows transfers and all I did was moved some of the funds from my account into this account. I had more than the needed amount in my main account so I moved some to chime to increase my balance which isnt a violation On XX/XX/XXXX chime emailed me and said my funds would be returned in 30 days and so for the past week or so Ive been trying to get an update on that because its almost been 30 days, well today they told me I wont be getting any refund. 

I sent a complaint to the XXXX  and in response chime said that I could reach out to XXXX but if you look at my images every time I do that I get an automated message with discrepancies in communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a dispute regarding some late payments being reported on my credit report by XXXX, pursuant to FCRA 623a2b regarding furnisher must provide updated information as it becomes available. I provided the updated information along with a written dispute requesting that my credit report be updated to show that my accounts were placed on a forebearance to cover the date if thd delinquencies and the CRA still failed to properly investigate or retify my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XX/XX/XXXX, I signed a Loan Modification Agreement and Partial Claim Deed of Trust with Dovenmuehle Mortgage. ( see attached documents ) Dovenmuehle never processed the loan modification in their system. I have been calling loss mitigation for over two years and they would say they are behind in processing. I have been making payments since XX/XX/XXXX. During covid I did miss some payment due to unemployment but, payments have been made. Dovenmuehle Mortgage said I did not make any payments XX/XX/XXXX to XXXX XXXX also XX/XX/XXXX to XX/XX/XXXX, so therefore they are not going to process the Loan Modification Agreement and Partial Claim Deed of Trust. ( Attached are statements from Dovenmuehle Morgage showing transaction where payment was paid during those time period ). Dovenmuehle never XXXX the loan out to start in compliance with the Loan Modification Agreement. ( Attached are statements dating from XX/XX/XXXX to XX/XX/XXXX ) showing the pass due amount continue to get larger and larger. They now say that I owe {$57000.00}. All payments made were going to unapplied. I had over {$51000.00} in unapplied funds as of XX/XX/XXXX. Dovenmuehle applied {$910000.00} to fees. This is unfair and deceptive trade practices. How can they not book the loan modification per the agreement that has been signed and recorded at the county clerk office? I do not owe Dovenmuehle mortgage {$57000.00}. Dovenmuehle is trying to cover their self 's because they never processed the Loan modification agreement in their loan system in XX/XX/XXXX and now, they want us to pay for their mistake. They are probably doing the same thing to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
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:
I have occasionally tried to charge purchases on my XXXX credit card - those charges were refused due to a lack of funds. I understand this and try to add monies to the account ASAP. I am sure this happens to millions of consumers daily! 

What I do not understand, is that XXXX is reporting this to a credit agency ( Experian ), when it happens. If the card was refused- fine, I will try and correct it. But, why is XXXX reporting this to a credit agency ( see attached documentation )? This is having a negative effect on my credit score! It seems petty and spiteful. Is it perhaps because I have reported XXXX improprieties in the past? 

Please investigate and keep me informed of your progress. I will be in XXXX for the next few weeks and can best be reached by email. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The following bank ( s ) /credit card companies, has/have failed to properly acknowledge, verify, and credit properly tendered payments for the balances due on said credit card account ( s ). 

This/These company ( ies ) has/have also failed to properly verify, as per my ( the Creditor/Beneficiary 's ) request, what " credit '' was extended to me, by contract, by these companies in creation of any alleged " debt '' they claim that I owe? 

Additionally, said company ( ies ) have illegally and unlawfully closed said credit card account ( s ) and are illegally reporting them as " Closed by creditor '', despite the fact that I have not requested closure of any accounts. 

It is believed that this/these company ( ies ) have illegally retained, and therefore simply deposited all tendered " payment ( s ) -in-full '', without properly crediting and/or balancing the account ( s ), and are continuing to fraudelently and illegally engage in unlawful billing activities and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Admin Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint about a collection agency called ADMIN Recovery LLC, about how they violated the FDCPA and their harrassment in trying to accuse me of owing a debt that is not mine. In response to the complaint, they were not truthful and stated incorrect responses. So my 2nd complaint report is to state that they lied about me not stating they have the wrong XXXX. On XX/XX/XXXX i received two calls and the first call i answered and they asked for XXXX XXXX and i stated you have the wrong number then the person stated no i dont and I repeated yes you do and I hung up. then the same person called again and i didnt answer. then this person called my father and sister, in which, only my father answered, and ADMIN stated to him that i breached a contract and he sent the letters to two addresses in which my father told him i never lived at those addresses and that you might have the wrong XXXX. Admin left a voicemail on my sisters phone. Then ADMIN called me again on XX/XX/XXXX, stating that i owed XXXX and that was in a breach of contract as of XX/XX/XXXX. And then like a week later is when I received a notice in the mail. So I called ADMIN, and i told them that i already told your company you have the wrong XXXX, I stated I never had a account with XXXX XXXX, I dont owe any credit cards and never had a credit card with that much money and I stated this is Fraud and you have me confused with another XXXX and I requested the phone number of the creditor. Then sent a letter to ADMIN for validation of the debt ... not cease and desist ... and i requested the validation just to prove to ADMIN that they have the wrong person. This complaint that im submitting is to prove that ADMIN is lying in their response to the previous complaint and to prove that they are harassing the wrong person, I called XXXX XXXX  and gave my social security number and there is no account with my personal information in their system. Therefore ADMIN Recovery are violating the FDCPA and giving false information to the CFPB.

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 2024-01-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Representative informed me that my personal information was being used by other people and no solution or help was given.

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