BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I am in the midst of a heartbreaking pending divorce. My husband had all of the financial information and went behind my back in initiating all of this, which didn't give me any time to prepare or protect myself. Anyway, I just looked at my credit reports today and noticed several unauthorized and unfamiliar soft inquiries described as " Account Review Inquiries '' and 2 " Credit Reports. '' I would just like to know what they are and who authorized them without my permission. If it was my husband, he most likely used my SS, birth date, etc. and went behind my back yet again, to gather all my financial data. I have a suspicion that our accountant who has all of my information because he just did our taxes, helped him. 
CPA, XXXX XXXX XXXX XXXX XXXX, WA -- he would have the ability to check credit. 

I reached out to XXXX and to XXXX -- They were unable to see what kind of review they have procured. 

XXXX - Unfamiliar/Unauthorized Inquiries of Concern : XX/XX/2022 XXXX, XXXX. - Account Review Inquiry XX/XX/2022 CAPITAL ONE - Account Review Inquiry XX/XX/2022 XXXX XXXX  XXXX - Account Review Inquiry XX/XX/2022 XXXX - ( my personal bank ) CREDIT REPORT XX/XX/2022 XXXX XXXX XXXX ( potential equity loan change right before he surprised me with divorce papers )- All other Prequalifications not listed XX/XX/2022 CAPITAL ONE ( my personal credit card ) - CREDIT REPORT XXXX CREDIT REPORT : XX/XX/2022 CAPITAL ONE - It doesn't give a description other than " Requested On '' The others like XXXX XXXX XXXX XXXX ( my husband has an account ) and XXXX XXXX -- those may just be promotional inquiries. 

I'm tired of him going behind my back. Please confirm what financial entity has authorized these inquiries and what they even are! Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, 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 act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: ALLY FINANCIAL INC.
State: TX
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 act XXXX XXXXXXXX XXXX XXXXccount # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2021-08-26
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have paid this account. I then received notice the account was paid off when I checked my credit report. I made 8 attempts over 2 hours today to call fingerhut. Each time I entered my last 4 digits of my social, an agent answered then while talking hung up. This happened each time I called back with the 8th call ending with me speaking woth XXXX who did the ae thing. I then called Experian who told me since I disputed akd the creditor agreed to the account I need to contact XXXX. I tried to explain I did 8 times with no help. I then went to the website and reset my log in info. When I logged in, the account state Midland Funding have the account. I called XXXX and the agent told me he did not care what I paid with XXXX, but I need to pay {$940.00} which in wrong. Midland Funding stated they sent a letter on XX/XX/XXXX and I confirmed I did not received it and asked if a copy could he emailed or faxed ; the agent told me " no, if you didn't get it that's too bad ''. 

This incorrect information need to be removed from credit because its incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
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:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. NO CONTRACT XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Spselect Portfolio Servicing is refusing a payment from the Federal and Texas CARES act to bring my defaulted mortgage current. 

I have been working with XXXX since XX/XX/XXXX and their CARES Act program to bring my default mortgage to date. The money is there. SPS  says they don't like the legal language in the Mortgage XXXX. 

I have lived in this house since XXXX, am a widow and am raising a XXXX XXXX XXXX grandchild. XXXX.. .wiped me out. I have been XXXX XXXX for many years and was keeping my nose above water after my husband passed away in XXXX of XXXX. He left us penniless and with an IRS debt of over $ XXXX. The IRS doesn't care that he was sick and stupid even though through his entire life? He paid taxes like clockwork. 

I have applied, applied and applied with XXXX. who is managing XXXX Texas counties. I have been accepted.. .but SPS Servicing is throwing a XXXX  into the machinery of receiving federal funds to get me out of trouble and keep me and my grandchild in our home. 

SPServicing should be investigated. They promised me ( via phone ) that my forbearance payments would be tacked onto the end of my mortgage. I do not have that in writing... simply words from some clerk doing work from their home in the height of COVID. 

Then... they demanded a full payment.... I am legal now, waiting to be foreclosed on. I have tired everything in my power to get federal help under CARE and it looks like that was going to work until SPServicing 's legal department threw everything out and said they wouldn't sign FEDERAL documents. 

Is this fair? What am I supposed to do? 

The IRS has a lien against this property. 

I owe $ XXXX against a home in very poor repair. My upstairs XXXX XXXX is on the fritze. Parts are falling off the house. Many repairs are needed. 

But.. I live in Social Security and Child Support.. which I just started receiving two years ago. Had to take my son to court to receive child support. Have had his child since she was XXXX years old. She will be XXXX on the XXXX of XXXX. 

I am old. XXXX. I am lost. I am about to lose my house because I TRUSTED SPSERVICING. 

They are XXXX XXXX XXXX. Nothing they told me on the phone? Is truth. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax customer service would not help and take care of the negative inquiries reporting to your credit report which are unauthorized and listed below : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Target store credit card using their online application process. 

I submitted a proper application with all the correct identity information. ( The customer service agent confirmed that my application was approved, subject to identify verification ). 

Upon approval, the online application system started asking auto-generated identify verification questions. 

However, all these questions appeared unrelated to me, which indicated that the system was asking about an identify of someone else. 

As a result of the error in the automatic identify verification system, Target initially put a burden on the customer to prove his identify, and in turn unilaterally denied the application, after putting an hard inquiry on my credit history. My credit score dropped because of the hard inquiry. 

When I contacted Target to correct the error, a Target representative and her manager refused to correct my application or the error. 

When I ask the reference number to the case and a contact for their legal department for written communications, the call to Target was disconnected by Target. 

Target must nullify the application and remove the credit inquiry, because the credit denial was due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 - Received a call from Tek-Collect to collect a debt for XXXX XXXX XXXX XXXX I informed the rep. that the debt was paid by insurance and should not have been sent to collections. The rep. asked if I would like to dispute the debt and I accepted. 

XX/XX/2022 - Documents were received from Tek-Collect that were sent to them by XXXX XXXX XXXX XXXX After reviewing the documents I noticed the claim was submitted to my insurance company but filed under another patient 's account at XXXX XXXX XXXX. I called Tek-Collect and spoke with a rep who was unable to assist so I requested to speak with a supervisor. The supervisor I spoke with was XXXX. While on the phone with XXXX I walked him through my findings on the documents and he agreed the debt amount attempting to be collected was incorrect. XXXX then informed me that he would reach out to XXXX XXXX XXXX for more information to get the issue resolved and will keep me updated. 

XX/XX/2022 - I receive a call from Tek-Collect to collect a debt. I informed the rep that the collection is under dispute and I haven't heard anything back from XXXX. The rep. then directs my call to XXXX who informs me that since I have an outstanding debt my information is on the call list to collect. He removed my information from the list and informed me that he had not heard back from XXXX XXXX XXXX. 

I have disputed the debt with the three credit bureaus more than once. XXXX has acknowledged my complaint and dispute and has since removed the debt from my credit report. However, XXXX and XXXX both show the disputes as resolved and claim the collection amount is correct and verified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have had a credit card account with Best Buy for five years. It started on XXXX Best Buy, and was migrated over to Citibank Best Buy ( I 'm not sure when. ) I 've been a very good customer, and have always paid my bill on time. I was shocked this month to find that for the past five years, I 've been being charged for " Debt Protection '' when I never signed up for it, and was never notified once the account was transferred to Citibank. I have already gone through the process to have it cancelled. After waiting 30 days, I just received a letter today saying they wo n't refund the service, even though I did not physically sign up for it. Checking my documentation, this was never a requirement on new credit accounts or that it would automatically be applied. I will take responsibility that I did not check my bill for wrong charges, but, as a good customer, I simply pay on time and have trusted Citibank to do the rest. I would n't have missed a few dollars here and there originally, but now I have a very high credit limit ( good customer, good credit ) and have been charged at time {$50.00} a month for this service, paying in a little under {$1000.00}. They also will not take responsibility for the lawsuit ( referenced here : XXXX ) and are trying to put the blame on me for a service I never agreed to. They said they will re-initiate the request, but why should I wait another 30 days for the same answer?

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 2023-02-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Friday, XXXX XXXX, XXXX drive up lane deposit of {$700.00}. Teller deposited funds into someone else 's account. Saturday, XXXX XXXX, I noticed funds were not on my account balance upon checking the bank app. Went to local branch and XXXX ( XXXX ) informed me that XXXX had deposited my {$700.00} into the account she was working on just prior to my transaction. He gave me a case # and told me a manager would have it corrected on Monday, XXXX XXXX after a full business day. It was not. Tuesday, XXXX XXXX, I spoke with XXXX over the phone and he said, if I hadn't heard anything by Weds. XXXX XXXX to give them a call. This concerned me so I called and spoke with XXXX XXXX in XXXX, Ohio. XXXX told me that unfortunately it was a process, but that my case would be corrected no later than Thursday XXXX XXXX and it was not. Friday, XXXX XXXX I went to my local branch and the manager behind the counter acknowledged the mistake and credited my account the {$700.00}. She said, it may " fall-off '' overnight into Saturday but if it did, she would repost the credit. Saturday, XXXX XXXX the account did reflect that the funds " fell-off '' but they were not reposted. Tuesday, XXXX XXXX, I went to the branch once again. They repost the {$700.00}, handed me a balance receipt showing {$1000.00}. I withdrew the {$700.00} back to myself leaving a balance of {$330.00}. XXXX, XXXX XXXX, I receive an alert indicating my account is overdrawn by {$360.00}. I called customer support and XXXX informed me that it looked like I had authorized the withdraw of the remainder of the balance. I told her I only withdrew the {$700.00} leaving the rest for a balance and that i had the receipt. She acknowledged that was the case, spoke with the individual handling the case and they corrected the account. However, she could not tell me if the credit back to my account was permanent or temporary. With that information, I went to a local branch, withdrew the balance of {$330.00} and requested to close the account. The teller, who had no name plate, gave me the funds in their entirety and said they would close the account as soon a pending charge that had already been paid came off. I do have three separate receipts with correct amounts and correct dates but I don't know how to attach as requested as optional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan went into default 2 years ago. It was placed with a collection agency. I paid {$340.00} a month for 9 months-that was the agreement to get out of the loan rehabilitation program. On the 9th month they claimed I had failed to make a payment ( which is not true-because my payments were all direct payment from my checking account ) When I inquired they then said my paper work was n't complete so I failed the rehabilitation program. My loan was given to another collection agency. They called me and put me in another loan rehab program around the XXXX I recieved a letter from a completely different collection agency Navient that said I was XXXX payments late ( which is not the case because I had direct payment from my checking account ) Now it 's going on 3 years and Navient is the XXXX collection agency offering me a loan rehab program. I just want to pay off my loan and they are determined to sink me deeper while they collect fees. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation