BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This Complaint was completed by I XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I the consumer extended my Original Credit as the ORIGINAL CREDITOR in a consumer transaction to receive an open ended credit line I was not authorized and denied I verified who I am and 15 U.S. Code 1692 - Congressional findings and declaration of purpose 15 U.S. Code 1637 - Open end consumer credit plans. The company refuses to acknowledge who I am and what my status is under the Federal Law, Consumer Law, FAR, UCC, TILA, and FDCPA laws rules and regulations. I also am reporting Billing Error due to false and misleading practices and failure to send or submit the proper documentary evidence in the alleged agreement provided from Capital One I sent in instruments that is written by law deemed acceptable being public law 73-10, 48 stat 112 and UCC 3-104 and other laws regulations that will be used in my affidavit with the exhibits I also have to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our loan originally with XXXX XXXX  was sold to PNC. XXXX paid our homeowners insurance in error as part of a bulk payment to XXXX XXXX XXXX XXXX XXXX Before XXXX made this error, we had already paid our insurance policy separately on XX/XX/XXXX. 2020. XXXX 's error resulted in a double insurance payment for 2020 with XXXX asking us to ask the insurance company to refund XXXX 's money. 

However, just after this double payment, the error was transferred over to PNC Bank, rather than being resolved when our mortgage was sold in XX/XX/2020. Instead of a resolution, XXXX and PNC created an escrow on the account for their incorrect insurance payment. My wife and I have spent hours calling all three parties ( insurance company, XXXX, and PNC ) and emailed PNC numerous times to ask them to remove the escrow from our account. We have emailed proof of the error ( email from XXXX ), plus a Credit Card Statement as supporting evidence to show that payment had been made twice and there should not be an escrow. After months of this process between the three entities, PNC still refuses to remove the escrow from our account. Now, essentially the escrow is asking for a third payment for the insurance. 

We pay a fixed amount each month which includes a additional principal payment. When the banks added the inaccurate/unnecessary escrow to our account, it reduces the additional principal payment and increases the net interest collected by PNC. Again, instead of the banks correcting their error, they merely added a second error and pass the issue between various departments and never answer or address the issue of correcting the error and eliminating the escrow. PNC is not taking accountability for their errors and are not responding to consumer outreach. 

Any help you can provide will be greatly appreciated. thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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, activating, or registering a card

Complaint:
Sir/Madam, I am writing this letter about my XXXX debit card account my name XXXX XXXX XXXX and i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX.. my previous address was XXXX XXXX XXXX XXXX XXXX ca XXXX With due respect I would like to state that on XX/XX/2020 I requested for freezing my XXXX card account due to identity theft because someone is pretending to be a worker from the XXXX and tricked me into giving my details..

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer. Bankruptcy is reporting on Transunion and XXXX. It is not reporting on XXXX. I called the courthouse in XXXX, XXXX and they stated, they don't report to any credit bureaus or third parties. Reporting this to my credit bureaus is a bankruptcy violation. There are factual errors on my credit report. Transunion is reporting an unverified account with XXXX XXXX, with a high balance of {$1000.00}, they are also reporting that the account is an open status and they're also reporting the pay status as " account included in bankruptcy '' along with a bankruptcy discharge comment. According to 15 US code 1681 A 4 consumer privacy rights, the credit bureaus are committing identity thief by reporting my personal information, without my consent. I've disputed this with the credit bureaus, with no avail. Please remove this information as you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: OneMain Finance Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
At the beginning of the week, XX/XX/2023, we put in an application for a joint personal loan with OneMain Financial. We provided all needed information for the application and set an appointment for XX/XX/2023 to sign for the joint personal loan we were approved for. Upon arrival for the appointment, we were told we were not able to get the personal loan due to one of the credit scores being frozen and could not be processed. The employees and the company had ample time to notify us that we needed to have all credit scores unfrozen before coming in to sign. The employee did attempt to resolve the issue after unfreezing the one credit score that was needed, which resulted in the running of the credit score three separate times for one of the applicants on the joint application. Now, we will be working with the three credit bureaus to get the hard inquiries removed due to this companys negligence and lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act XXXX XXXX XXXX # 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 furnish an account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX  off my report it over 7 years old and need off now

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 2021-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am asking for your help again in resolving a payment dispute that I have with my mortgage lender Chase ( XXXX XXXX XXXX, XXXX XXXX, LA XXXX ). The date and amounts paid are not disputed by Chase, to the best of my knowledge. 

The background to this ordeal is a couple of payments that were misplaced when my loan was transferred from the original lender to Chase, and a lengthy journey I had to make with Chase in order to find them. 

Over the life of the loan I have made multiple prepayments ( that is, a payment that is bigger than the monthly due payment ), which Chase chose to credit to the loan in arbitrary ways. One payment was credited as a regular payment with additional principal reduction, another was credited as one regular payment and XXXX installations of principal reduction, and one payment was broken into two regular payments, with additional principal reduction. I am providing this information as a background to the chaotic accounting of the loan which prevented me from fully tracking its condition. 

The series of payments that I am disputing occurred in XXXX and XXXX of XXXX. 
I have made the following payments : XX/XX/XXXX : A payment of {$4800.00} XX/XX/XXXX : A payment of {$60000.00} XX/XX/XXXX : A payment of {$4800.00} Chase chose to treat the XX/XX/XXXX payment as a regular payment, but broke the next payment of {$60000.00} into a regular payment and an installment of principal reduction, and then treated the XX/XX/XXXX payment as principal reduction only. 

When I noticed the error I contacted Chase. I spoke on the phone with a representative on two separate occasions and explained that when Chase chose to apply a payment in such a manner, it affected the loan because it allowed the bank to charge me an interest over money that I did not owe. This representative promised twice to correctly apply the payments as required, but failed to do so. When I called again and inquired about it, that same representative explained to me that I failed to designate the payment, and therefore Chase reversed the payment from XX/XX/XXXX, and chose to apply it instead in XXXX or XXXX of XXXX. My attempts to reverse that decision or speak to a more senior member of the bank failed. 

I will state again, even though it should be obvious, that the bank does not have the right to hold on to my payment on one hand, and charge me interest on my loan on the other hand, as if no payment has been made. 

I believe that the bank has unfairly charged me an amount of $ XXXX {$44.00} using this accounting method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Resurgent Capital Services L.P.
State: MD
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 have contacted LVNV Funding whom is doing business as Resurgent Capital Services on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV/Resurgent a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. I filed a complaint with my local police department and put the information in my police report. Prior to sending the affidavit I sent a letter to LVNV/Resurgent Capital Services to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX XXXX ) and LVNV/Resurgent Capital Services disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV/Resurgent Capital Services and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
My elderly batchelor uncle, died in California in XX/XX/2020. He had no living heirs, beside myself and my three sisters who all live out of state and were not contacted about his death until the XXXX XXXX XXXX called us in XX/XX/2020. 

By the time we learned of the death, individuals unknown to us, had cleared out his condo ( where he had lived for XXXX years ), and were in the process of clearing out his approximately {$200000.00} of bank accounts- with the assistance of his two banking institutions. At the time of his death, ALL of his money was in his PERSONAL NAME. He had {$0.00} in any account titled as a Trust Account, and funded no trusts. Irregardless, CitiBank turned over more than {$170000.00} to an individual who claimed to be his " Sucessor Trustee '', and converted personal funds into Trust funds... POST DEATH. By doing so, CitiBank employees violated its own internal bank policies, and California Trust law. The individual to whom CitiBanks gave his money, had no right to his Estate Assets, without approval of the California Probate Court. 

In our subsequent lawsuit against this individual, through discovery we were provided a copy of a {$20000.00} CitiBank Official Check our uncle had purchased in XXXX,XX/XX/2020 That check is still outstanding - as the interloper/ '' crook '', has not able to negotiate it. Only his true Estate Executor can do so. 

Using the same CitiBank " Small Estates Affidavit '' that Citi let the interloper use to drain all the bank accounts- I have sent three written requests to Citi to both be named legal successor, and to gain access to this {$20000.00} check. I believe there may be other funds of our late uncle also 'stored ' in Official/Cashier checks. This was his long-time practice. Citi has dodged, delayed, and obfuscated on my requests, no doubt understanding their culpability in this matter. I had hoped to resolve this issue without having to use the California court systems again, but that seems now hopeless. The bank 's legal liability here, is crystal clear.

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 2023-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Last Tuesday around XX/XX/XXXX, my Chase cards were forcibly removed from XXXX XXXX. I did not remove them from XXXX XXXX. I tried adding them back to XXXX XXXX and it said to contact the card issuer. They said that my account is in good standing and EVERYTHING IS FINE. 

Even to this day I can not add these cards back to XXXX XXXX. it's the primary way I use my chase cards to prevent unauthorized transactions. Their technical support was of no help. 


Also, there was a transaction on my Chase Sapphire card for about XXXX. I was erroneously charged for someone else 's transaction at this restaurant as I did not order this much from that restaurant. I only ordered about {$14.00} worth of food. I don't have my receipt anymore but I don't even know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
I have had pristine credit my entire life. Why I can't get a perfect credit was beyond me -- until I started researching how they score. I've paid off my house and cars and owe no debt. I have just a few credit cards I use and pay off every single month. Since doing this, my credit score has gone DOWN. XXXX? This is what's wrong with our country. It encourages debt. You can bet your sweet XXXX that it'll take a heck of lot longer for my score to go back up than it did for them to hit it XXXX points because I made a large purchase on a credit card ( so I could get the points ) and immediately paid it off!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
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:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief