BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Per the attached document I filed a complaint with Capital One 's leadership and XX/XX/2019 as follow. Thus far, all parties have been an unwillingness and lack of common courtesy to provide any service as it relates to my complaint. 

I contacted Capital One customer service on XX/XX/2019 do to these unethical acts and was told that I would be obtaining a letter within five to seven business days as it related to my concerns outlined in attached complaint. 

Several weeks had past and I still had not received a response regarding my complaint. Therefore, I contacted Capital One again on XX/XX/2019. I spoke with a supervisor and explained the situation and forewarn that I were in the process of filing a complaint with the CFPB due to the failure of Capital One to address my prejudicial treatment complaint. 
I was assure that I would be obtaining a call the following day. 

A couple of days past and I still had not received a call or response. I again contacted Capital One on XX/XX/2019 and was meant with additional prejudicial treatment. During my interaction with XXXX # XXXX after verifying my information through the automatic system and providing him my first and last name ; he arbitrarily declined to provide assistance. On numerous occasions I requested what was Capital One 's policy as it related to the matter and told him that he was engaging in discriminatory practices by refusing to assist me after I had already provided the last four of my social security and card number along with first and last name. XXXX # XXXX conduct was so absurd that I requested to speak with a manager. Subsequently I spoke with XXXX # XXXX who indicated that I had already provided verifying information and I did not have to provide additional information as demanded by XXXX. XXXX assured me that he would take action, however as it related to my concerns XXXX was unhelpful. 

The level of treatment I have obtained from Capital One is unreasonable and in the sake of customer service, no client should have to file a complaint with the CFPB for their complaints to be looked into in a fair and equitable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX XXXX XXXXXXXX on XXXX and XXXX XXXX XXXX XXXX  on XXXX and XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX, XXXX on XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX .am a vitem of identity theft please delete these inquiries immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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 XXXX XXXX A 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 2019-06-14
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My second loan mortgage company from XXXX is demanding {$65000.00} principal balance and a additional {$23000.00} late fees and delinquency fees to stop the foreclosure on my home. I'm in good standing with my mortgage lender and my lender has know idea of what is going on. I have not received any notice of debt for over 10 years from Franklin Credit Management Corporation and now they are saying I'm in default. 
I was unaware of this debt, my home was purchased in XX/XX/XXXX before the mortgage crisis. My property was at its highest costing {$330000.00}, my wife and I paid both 1st and 2nd mortgage at the introductory interest rate. When the interest increased we could not afford to pay and we received a loan modification. The modification was for the principal balance, and the new balance was {$320000.00}. When I was modified I was lead to believe that the 1st and 2nd was modified together. 10 years with no contact and forcing a foreclosure on our home is unfair. I want to remain in our home and have a fair resolution to this issue. I also want to know if this is a legitimate claim of debt practices by Franklin Credit Management Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Westcreek Financial
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I accessed my credit report and discovered an account that I did not authorize to utilize my credit or social security number. I called the number listed under their company name on XX/XX/2022 and the supervisor would not offer any information on their company besides it being a private company, upon further investigation it is listed as a foreign corporation. I requested proof of contract which I was told they are a paperless company and would electronically mail me the contract in 2 business days. I asked for their EIN/TIN and trustees name of the company so I can take further action and the supervisor refused to answer any of my questions and ended our call. The company is listed as WEST CREEK FINANCIAL XXXX XXXX located in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: CA
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In regard to my complaint with CFPB XXXX, the Portfolio Credit Bureau provided an inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. 

Furthermore, I am not present at the address since XX/XX/2019, as I am out of USA for my medical treatment. I am enclosing their submitted validation document which is incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NC
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 submitted a complaint last XX/XX/XXXX. Involved Companies responded. Some items are deleted and updated. Some are still reporting. I submitted a complaint dated XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will not close it immediately, and will now help me regarding the remaining fraudulent items on my credit report. There are still MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: CA
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:
Im writing to report Experian allowing fraudulent accounts on my credit report. In Experian 's investigation, Experian stated that a charge on my account from a company named XXXX is valid because of paperwork they sent, but it is not. The paperwork that Experian received from them does not have my correct address, the phone number ending in " XXXX '' on the paper work does not belong to me, the email address is not mine, and the " credit card '' listed ending in XXXX does not belong to me and the company stated monthly payments were coming out of that account. I did not have any monthly payments coming out of a credit card nor checking account. This account is not mine. The account does not belong to me. The account is fraud. Also ( proof attached ) the paperwork does not have my signature. The signature shown on the paperwork is not an original signature. It is some type of electronic signature. How can Experian accept anything like this as proof and they are aware of my identity being stolen dated back in XXXX. I want Experian to remove that fraudulent account from my credit report. It does not belong to me.

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 2019-06-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I noticed there was a fraudulent charge on my personal Discover Credit Card. I reported this fraud to Discover on XX/XX/2019. On XX/XX/2019 I noticed that my Discover card balance was - {$3100.00} and that there had been several years of fraudulent charges on my Discover Card. I called Discover and asked about these funds. They confirmed it was from the fraud. On XX/XX/XXXX I called to see if I could get the funds sent to my personal checking account. They took my account number and told me I'd have the funds in 10-14 business days. After 14 business days, I called them and told them I hadn't received the funds. They said they were sorry, it was because it takes 90 days to investigate the fraud. I told them, that's not what you told me 14 business days ago and I was already planning on a family vacation and was going to use those funds. I then called back 5 days later and was told that they'd closed the fraud investigation and took my banking information again to release the funds. I waited until today, XX/XX/2019, which was 14 business days from when they told me my funds would be in my account. They're still not there and now their fraud department is telling me I won't have the funds for 90 days until the investigation is over. These are my funds and they've consistently lied to me. I want my money, I also want paid for my time spent on the phone and the vacations and trips I had to forgo because they lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Our company XXXX XXXX XXXX issued a check to XXXX XXXX XXXX XXXX XXXX for {$3300.00}, on XXXX the check was cashed at a XXXX Bank in XXXX Indiana XXXX XXXXXXXX XXXX XXXX , we were called several weeks later by XXXX XXXX  that the payment was past due. We looked into our account and showed proof that it was sent and cashed, they denied ever receiving the check and demanded payment, we paid them again since this was clearly fraud upon looing at the check and felt PNC would get our money back from blatant fraud from the XXXX bank teller who cashed a check made out to a company and " scribbled out the name with a black marker. 
" 6 MONTHS later '', PNC is still telling us they are at the mercy of XXXX and that there is not timeline on the check repayment from XXXX, XXXX will not communicate to PNC or me on how they let their teller cash this company check that was CLEARLY a fraud transaction. 
What do I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a identity theft victim and I've have accounts reporting on my credit report that doesn't belong to me. I've contact the bureau multiple times but received no results.

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 2023-07-28
Company: Firstsource Business Process Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/XXXX I was billed {$1400.00} I logged into XXXX the portal I am able to view and pay my medical bills through. I began making monthly payments on the bill above. That bill then went into dispute, or reevaluation for coding. So I only had made one payment toward that bill prior to reevaluation of : {$25.00}. 
I was XXXX with a XXXX XXXX  XX/XX/XXXX of XXXX, accumulating more bills within my XXXX portal. I began paying monthly on them. I received an email stating that I was able to sign up for a program called XXXX where they would tell me what to pay monthly. It was listed as optional. I have attached the screenshots from that email. I decided that I knew my financial ability and status better than them, so I never signed up for the XXXX program. Apparently XXXX financial department automatically took that bill from XX/XX/XXXX and enrolled me in XXXX of XXXX, when the reevaluation of coding came through. By them enrolling me in XXXX, my bill of now {$1300.00} no longer appeared XXXX my XXXX portal where ALL of my other and remainder medical bills were listed and being paid on. So when I called in XXXX of XXXX to pay ALL of my medical bills in full that one bill of {$1300.00} was not included in the lump payment I made, unbeknownst to me. I had no idea I had a large medical bill removed from my XXXX and no idea it was not included in the lump payment I made to XXXX. So now as of XX/XX/XXXX I was sent to OneAdvantage collections agency for the {$1300.00}. I clearly was making good faith payments on all of my medical bills, never requested a third party to take over managing my bill collection and I attempted to pay all my bills in full on XXXX. I feel as though XXXX is deceptive with the XXXX program, especially automatically enrolling ONE of my bills in it and REMOVING said bill from the patient portal we are instructed to utilize. XXXX is suppose to be a one stop shop, until they remove your bills unbeknownst to you and then send you to collections for no payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A former friend of mine mislead me and used my private information to take out a loan at XXXX XXXX & open a credit card in my name at XXXX  in XX/XX/2023. I was not at XXXX  in person to authorize this yet it was still approved. They had access to my email along with other personal info. {$7000.00} at XXXX  & {$6000.00} at XXXX XXXX. I spoke with a supervisor at XXXX XXXX but they are not being helpful. I disputed on my credit report but both were denied. This has been causing me mental distress and I really need this resolved. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Opinion ... this company is either totally inept, incapable or deliberately not reporting correctly. Years of complaints, multiple dates corrections and information provided and they still do not have the right information. As for the CFPB a useless entity who can not even fix their issues and only FORWARDS the complaint. I can not come to any logical conclusion based on all the data supplied that my opinion is right on the mark. This company much lower in score than the other two although when they report balances High they do NOT TAKE INTO ACCOUNT the payoffs and paydowns nor my comments. This is evidently a scam of emmense proportions

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 2023-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN  YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2020-07-29
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Systems placed 3 collection accounts on my credit report XXXX in to the amount of {$36.00}, XX/XX/2020 in the amount of {$36.00} and on XX/XX/2020 in the amount of XXXX this is not mine debt Credit Systems didn't tell me or disclose that under contract law I don't have to do business with them. I feel that Credit Systems are attempting to extort money out of me at a time when I have been affected by Natural or Declared Disaster ( e.g. Covid 19 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never sent any initial written communication to be notified of this debt/ to dispute this debt. By law I am given 30 days to depute before a debt is assumed correct and that was never given. This was then reported on my credit without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by XXXX. If you look in that XXXX  file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXX XXXX XXXX ', XXXX  insurance company and credit collector XXXX XXXX fault. 

I have also attatched a screenshot of the tradeline from my credit reports.

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 2021-03-22
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting an account on my credit from a collection agency. 

Equifax is reporting that this account was opened XX/XX/2021. 

The amount of the reported account is {$1200.00}. 

The company that reported this account to Equifax is XXXX XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation