BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
since XXXX, capital one have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the company is currently reporting to the three credit bureaus that I had applied for credit with their organization. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 
These inquiries put my credit down 40 points. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These are the following INACCURATE inquiries ( Validation is need ASAP ) : CAPITAL ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Capital One Bank Usa TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Capital One TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage didn't transfer my entire escrow balance to my new servicer when they sold my loan. They claim that they issued a check for the difference to me on XX/XX/XXXX. On XX/XX/XXXX, I reached out to Roundpoint Mortgage as i had not received the check. They said since it had been more than 30 days, they would reissue it. I called again on XX/XX/XXXX as I still had not received the check. The customer service representative said they would reissue the check and I should receive it by the end of XXXX. As of today, XX/XX/XXXX, I still have not received the check for {$110.00}. Roundpoint Mortgage has not provided answers as to why.

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 2021-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving Impersonated/Spoofed calls from a autodialer, posing as a legitimate debt collection agency ( Portfolio Recovery Associates ) daily. Usually the first call is a number flagged as a known robocall scam, the second and sometimes third or fourth calls is from de-activated phone numbers. Sometimes I get a voicemail which usually lasts no longer than 5 seconds. This indicates an automated dialer, because I did not answer and the computer behind the call realized that it reached the voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I called M & T Bank and as usually the same prompts were provided. 
The representative was unknowledgeable, Concerning my identity theft and other prior documentation concerning my account. 
I was asked questions that made me suspicious of situation. I hurried off the call with M & T bank and noticed my cellphone number I use to identify M & T Bank with and us to call from my contact list was different and it disappeared. I took a snap shot of what I could to justify my accusations. I immediately called the FTC and, while speaking with the representative my cellphone started to upload. I told the representative I had to hurry and hang up. 
I then turned off my cellphone.

My M & T Bank is cloned with an imposter pretending to be my mortgage company. 
My cellphone is hacked and my-accounts are to. This is a familiar incident I am experiencing with XXXX currently. I provided XXXX with the impostors contact information that is being used to scam me.. 
I have information in my phone that states encrypted secret conversations T that I did not authorized or have knowledge of, until recently. 
I request an investigation and a stop to foreclosure procedures. 
It is more that obvious that I am experiencing extreme identity theft and it has already been documented and identified. 
I am not receiving emails or any correspondence properly. 
All of my electronic devices have been compromised. 
I have a police report. The bankruptcy M & T Bank validated was months prior to my knowledge of occurring. I received NO correspondence from M & T Bank, concerning a bankruptcy, during the time of the fraudulent transactions occurred. 
I am a victim, I am being treated unfairly. 
I reported fraud and I have not spoken to anyone concerning the investigation of the criminal fraudulent activities that are occurring in my name under my identity that is approved by M & T Bank. 
I have information that I am anticipating sharing with M & T Bank in the pursuit of Justice.

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 2021-05-11
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: Personal information incorrect

Complaint:
On XX/XX/2021 I sent letters requesting my information be updated to XXXX XXXX, and Transunion. They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.

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 2023-11-16
Company: Global Lending Services LLC
State: SC
Product: Credit reporting 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:
The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus reported back to after my initial complaint back in XX/XX/2023 that my account was properly investigated and reported accurate, which is impossible because as of my most recent credit report XXXX XXXX account # XXXX The Amount that I owe is report inaccurately The Date opened are all reported inaccurately by XXXX XXXX Experian XXXX & XXXX XXXX 
The No. of months ( terms ) are reported inaccurately by XXXX, Experian, & XXXX. 
The High Credit is reported inaccurately by XXXX, Experian, & XXXX. 
The Last reported is reported inaccurately by XXXX, Experian, & XXXX. 
The Date last active is reported inaccurately by XXXX, Experian, & XXXX. 
The Date of last payment is reported inaccurately by XXXX, Experian, & XXXX. 
XXXX reported OK on time payments from XXXXXXXX XXXXXXXX XXXX  but Experian reported XXXX XXXX XXXX  for Charge-off from XXXX XXXX XXXX. 

I reported this to XXXX, XXXX, and Experian in XXXX of XXXX about the violation of 15 U.S.C 1681 section 602 ( A ), 15 U.S.C 1681 Section 604 ( A ) Section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information. 

Ive already contacted XXXX XXXX multiple times and they told me to contact the credit bureau as it is the credit bureau that has violated my rights as a consumer, these inaccurate reports did nothing but hurt me financially with my credit score and the business I have going on, I tried to rectify the issue over 90 days ago to have the information corrected and nothing was corrected but my address and a few other miscellaneous things on the report but nothing from this XXXX issue and over 90 days is unacceptable this is grounds for a lawsuit against the credit bureau Im making last effort to request the credit bureau now remove the account associated with my name as I have contacted to XXXX company and they said if the account is going to be removed it has to be done by the credit bureau because my credit report accuracy issue is with the credit bureau.

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 2022-11-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account on XX/XX/XXXX and did not return my money. I have waited for 40 days and Chase just hold my money. I have called several times but that doesnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I got a CareCredit card, in order to save my dog, since she needed XXXX XXXX. Ever since, I've paid more than the minimum payment, and it doesn't seem to be making a dent due to the interest rate and service fees. I think that's ridiculous and I'll never be able to pay off the card.

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 2020-07-21
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've attempted to settle a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX XXXX over the last several months. I've made reasonable settlement offers on a debt that was originally $ XXXX and is now increased to over $ XXXX. 

I've been speaking with their 3rd party collection agents at ( XXXX ) XXXX Kenosian & Miele XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX. On XX/XX/XXXX and XX/XX/XXXX I spoke with collection agent XXXX XXXX who threatened immediate foreclosure on the property for non payment. 

Under 15 usc 1692e this is a clear violation of the FDCPA ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure,  garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

I have recordings I can provide and I would like management at both XXXX and Kenosian to review their recordings for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX  XXXX 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 2019-12-27
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As of XX/XX/XXXX at XXXX I had spoke with someone at Westlake Financial in regards to getting an extension of payment for my auto loan. I was on the phone for 18min 54sec and at the end of the conversation I was read a disclosure that I would have a payment on XX/XX/XXXX. On XX/XX/XXXX I received another call and was told the first employee whom I spoke with on the previous date XX/XX/XXXX, that she had made a mistake of not charging the {$50.00} fee for the extension, so at this time of speaking with this other person I was put on hold while she spoke with a supervisor about the mistake that had been made. Again I was read a disclosure of the next payment being approved for XX/XX/XXXX with no {$50.00} fee. On XX/XX/XXXX at XXXX XXXX I had spoke with another operator and as I was explaining the situation of the past call and he hung up on me. On XX/XX/XXXX I was on the phone again trying to explain the previous call and tried to speak with a supervisor in which I was told I could not and again hung up on by the operator whom I was on the phone with for over 18 minutes. Before every disclosure is read I am told that it is being recorded for quality purposes, so I know they have these recordings and feel that they should go back and hear them. I can not be punished for there mistakes and to me a disclosure being read of when my payment is due can not be violated on there behalf. Even if I am just 1 day past my payment due date I start receiving auto-dialed/robocalls which to my understanding is illegal and against rules set forth by the FCC and I have asked them to stop. Also because of this auto-dialing/robocalling I get phone calls from Westlake Financial in excess of 5-10 times a day usually back to back, The and in some cases outside of normal business hours for my time-zone which is considered harassment. I do have all of the calls logged and keep record of the number of times called per day I do NOT erase my call log. Please assist me in making sure that Westlake Financial, with whom I have my auto-loan with, stops the harassment and makes sure that they treat me fairly regarding our current business matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I demand that midland credit stop communicating with me as described in the fair debt collection practices act. That act defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium to which I especially want this company to cease communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019

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 2020-04-21
Company: Experian Information Solutions Inc.
State: PA
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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

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 2023-04-17
Company: EQUIFAX, INC.
State: TX
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:
Re : Complaint against XXXX, XXXX, and Equifax for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and Equifax for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by XXXX, XXXX, and Equifax is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations.

3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ XXXX XXXX XXXX XXXX ( XXXX ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.

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 2020-07-17
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We contacted Pinnacle Recover in XX/XX/2020 regarding an email with an amount due. Pinnacle Recovery stated there was non an amount due, they had no record of an amount due and stated the email was sent in error and ignore it. 

XX/XX/XXXX we were contacted again by Pinnacle through email. We again called and inquired about the info sent. Pinnacle stated nothing was due and they had no record of us or an account being past due. 

XX/XX/XXXX, we were sent another email, now with a higher total. We called and the person from Pinnacle stated there was no account, but wanted to check some other info. After a discussion for 15 minutes, the Pinnacle person stated there was an account noted as past due but there were multiple computer accounts in their system which they incorrectly created ( in their system ). We discussed that we also contacted XXXX  in XXXX and we were told the account was current. The person at Pinnacle stated there was a small fee due, then combining all of the accounts, it was much higher. 

In order to keep our credit clear, and at the time of payment, there was no derogatory remake on our credit report. Pinnacle added a derogatory remake AFTER the payment was made. This is a collection tactic to abuse their power and harm paying customers. 

The remake needs to be taken off of my credit report, effective immediately. The remake is an attack to show dominance and is a hate crime.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation