BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : ( Original Creditor : XXXXXXXX XXXX ) XXXX Account 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 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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: Was not notified of investigation status or results

Complaint:
During the Coronavirus pandemic my state KY forced me to close my XXXX XXXX  and was shut down for nearly three months. As it was for others this was very much a once in a lifetime set of circumstances that caused people to worry if their families and self my not make it etc. Under normal circumstances when I speak with a call center rep I write down notes ( dates, names etc ). I did not do that with Capital One. It is my position that I called capital one to take my payment method off of auto pay and to get covid relief. They claim that I didnt, my position is that it is entirely possible that they could have made a mistake and not properly notated this as everyone including call reps were under extreme duress. My. Credit report has always had a 100 % payment history and I have historically stayed around 700-720. As a result of this situation Capital one reported me as no. Payments through the nearly three months I was shut out of work. Now my family and I can not get a mortgage only bc of this. I have been told verbatim from a mortgage lender this Capital One situation has shut you out of a mortgage. It is very outrageous and unbecoming of Capital One to do this to someone who otherwise has had a close to 10 year financial relationships that has been mutually respectful and responsible. So not only did my family and I almost lose our XXXX XXXX, fear we may die but now we cant get a home for our XXXX kids. We are currently living with a family member in a two bedroom condo all staying in one room. I have always respected my credit report and respected my obligation as a borrower and now the one time I needed help Ive gotten railroaded. My 100 % history to this point has gotten nothing in return. This time is not normative for everyone and we would all do well to help each other especially those that are actually trying. Please HELP, this isnt right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Summary : Two Incomm issued XXXX prepaid cards I purchased on XX/XX/XXXX and XX/XX/XXXX were either faulty or tampered with. Incomm had promised resolution of this case within 30 days but has exceeded that deadline, and have not even responded or confirmed that they have received my case documents. 
Incomm Provided Case Number : XXXX On XX/XX/XXXX : I purchased a Visa Gift card from XXXX. 
On XX/XX/XXXX : I purchased a second XXXX gift card from XXXX. I opened both gift cards and noticed signs of damage inside the packaging, including marks on the cards and used sealant glue. I attempted to use these two cards at a store and the magnetic stripes on the cards were not able to be read. I called Incomm customer support at XXXX and filed a case to report the cards as tampered with. I was provided with a case number and asked to email photographs of the cards and receipts to Incomm at XXXX, which I did immediately. Incomm 's customer support representative provided a timeframe of 10-30 days for the case to be resolved and replacement cards to be mailed. 
On XX/XX/XXXX : I had not received a confirmation of receipt of my email or any other contact from Incomm. I called Incomm at XXXX and asked them to confirm that they had received the requested documents from me that I had emailed already on XX/XX/XXXX. The representative said they could not provide confirmation that the documents were received. 
On XX/XX/XXXX : I received an email from Incomm requesting the documents for my case. As stated, I had already emailed the documents on XX/XX/XXXX. 
On XX/XX/XXXX : I resent the documents to the provided email address from Incomm and asked that they respond to the email, so I could confirm that they were receiving them. 
On XX/XX/XXXX : I resent the documents to the provided email address from Incomm and asked that they respond to the email, so I could confirm that they were receiving them. I enabled " read receipt '' of the email and got a notification the email was read. 
No other communication between us happened outside these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX Freedom Mortgage cancelled my online account for both of my mortgages with them. I have called repeatedly to get the issue resolved and customer service agents can not tell me why I can not get access to my account information and payment online. 
It started in XXXX XXXX when I notices that my login for my account was no longer active. 
I have had access to both accounts since XXXX. I have 2 accounts with them, the first account has been since XXXX and the second was since XXXX. I had no problem making my payments for both home thru the online portal. 
Here are the agents number and dates that I called to get resolution. 
XXXX XXXX - agent XXXX XXXX XXXX  XXXXca n't understand why account is not recognized XX/XX/XXXX -agent XXXX XXXX XXXX  - Said she would issue an IT ticket to resolve XX/XX/XXXX - Agent XXXX XXXX XXXX -does n't know why its not working XX/XX/XXXX -Agent # XXXX XXXX- doesn't know why is not working XX/XX/XXXX - AgenXXXX XXXX XXXX XXXX  Supervisor # XXXX XXXX -Supervisor says that they are having problems with Assumed Loans and that it would get fixed. 
XX/XX/XXXX Agent # XXXX XXXX XXXXNo idea why its still not workig XX/XX/XXXX Agent XXXX XXXX -Assumed Loans have no access online XX/XX/XXXX Agent # XXXX XXXX - Incorrect info give by agent about Assumed loans XX/XX/XXXX Agent # XXXX XXXX - Sent another IT ticket for resolution I have been told that my online account problem was due to my first loan being an Assumed Loan. But my second mortgage is not an Assumed Loan and I can not get access to it either. I have also been told that IT would look into it and no resolution has been made. 
The portal will not let me establish a new account because the portal says it doesn't recognize my account number or SSN or Names. Either for me or my husband.

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 2022-04-17
Company: United Shore Financial Services, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: NY
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:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.

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 2020-05-27
Company: FISERV INC.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I placed an order with XXXX. XXXX transactions go thru telecheck. They are both telling me different stories about my purchase that was COMFIRMED and has not been received. Please see the ( PROOF ) images i have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I swear the only way to get a resolution on the bank side is filing CFPB complaint or I'll never hear back, this is a poor customer experience and bad business practice. Bad enough I'm unemployed due to lay off, but I've yet to receive any unemployment funds or help from the bank. I've done the majority of the work for the bank, I cant find my own money or we wouldn't be having this conversation. 

I set up direct deposit and checks were confirmed sent but no deposit received to date. I was able to confirm routing #, but not acct # with the company. It's possible they didn't provide the acct # when checks were sent and the payment is abandoned. I contacted C1 on XX/XX/XXXX and provided the information below with no response, update, research information, nothing. I had to opt for their prepaid debit card in the meantime to access other funds, huge inconvenience because now I have to transfer those funds and wait 2 more days. This is impacting my ability to pay other bills. 

Company name : XXXX  XXXX XXXX Date, amount, check # : XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX XXXX : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive tried online disputes 3 times already and they only come back saying account was verified. I was told the account was closed but it is still showing as open. Theres a balance of XXXX with monthly payments of XXXX. Theres no way we can owe XXXX a month if the whole amount owed is XXXX. I contacted XXXX XXXX XXXX today and they told me it wasnt their issue and I needed to call the reporting agency. Transunion, the one reporting agency Ive checked, told me it was the companys responsibility. So Im just trying to get this fixed! Any help you can give would be greatly appreciated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: OPORTUN FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
hi on XXXX I got a loan from them for XXXX dollars but they sent me 2 checks each for XXXX dollars so i put them both in my account in XXXX they took the whole XXXX  back but i am still paying on the loan please help me i sent all the paper work they ask for every time i call they tell me something different

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Open Dealer Exchange, LLC
State: KY
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:
Good Afternoon, On XX/XX/2022 I was searching for a car online and contacted XXXX XXXX XXXX XXXX about a vehicle that I was interested in purchasing. I called and asked if the vehicle that I was interested in was still available and they advised that it was and asked if I would like to make an appointment. I advised that I did and set an appointment over the phone for that evening. During the phone conversation I was asked to provide my address, and I asked why I was being asked of this and I was told that it had to be input into their appointment system to go to the next screen to confirm an appointment. They asked me if I would be financing with them and I said absolutely not. I gave them my address to confirm my appointment and then almost immediately after hanging up the phone I received an email from XXXX stating that I was Pre-Approved for financing at XXXX XXXX XXXX XXXX. At no time did I provide my social security number to the business and I never opted in to receive any type of financing whatsoever. I immediately called the car dealership ( XXXX XXXX XXXX ) back and told them about the email. They advised that they are using a new service that sends blast emails to individuals once an appointment is made, but ensured me that my credit was not ran, because they did not have any of my information or consent to do so. I told them I am not very happy with the way that my privacy was handled and that I would not be doing any further business with them because of this situation. They asked me to send them a copy of the email that I received, as if they were unaware of the email blast that their new system was generating so I did and told them that I would not be doing business with them going forward. 

XX/XX/2022 : I received the same communication in my physical mailbox stating that I had been pre-approved for financing for XXXX XXXX XXXX XXXX. I have not yet seen this on my credit report and hope not to, but I wanted to reach out because the marketing practices do not seem to be legal. I have attached all of the emails I received to this complaint, but please feel free to reach out to me further for any more information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: NY
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:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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:
I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 explanation
Consumer complaint received 2023-05-29
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Several times I deposit funds, both checks and cash, the the ATM at the PNC bank. On several occasions the machine would malfunction but give the cash and/or checks back. 

Then on one occasion two months ago I tried to deposit cash and checks at the ATM. The ATM errored out, a message said to contact the branch the next business day and the ATM kept all the checks with no deposit record. 

When I contacted the branch I was told that ATM 's are serviced by an independent company and that company had to retrieve the checks. After two days I was told that the checks could not be recovered and that I had to contact ALL the check owners and have them reissue checks. This is unacceptable. 

Never was I told or is there in any written warning from the Bank that checks OR cash deposited at the ATM could be lost or destroyed. I called PNC corporate and was told the same thing that the ATMs are serviced by an independent company. 

This is an unacceptable practice. Had I deposited cash where the ATM did not give me credit for the cash then I have no way of proving how much the ATM kept. Also, the branch said that the " servicing company '' would know because the cash balance would be out of balance ... ..this is assuming that the " serving company '' can be trusted. 

My complaint is that PNC should send out disclaimers specifically addressing the issue of using ATMs to deposit cash or checks and that the cash or checks could possibly be not credited to the account and therefore lost. 

I believe that the BANK should be servicing their own ATMs and NOT some other company. Also, telling me that I had to get the writers of the checks to reissue those checks is unacceptable. Where did those checks go? Why was the " servicing company '' unable to recover them? 

This is unacceptable on many levels. I have since stopped using the ATM and am actively looking for a new bank to do our banking business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent accounts appear on my consumer credit 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 non-monetary relief