BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 currently have a Capital One credit card reporting to my credit that doesn't belong to me. It's an authorized user account. I did not request to be added to this account. It has a 30 days late from several years ago which is causing a blemish on my credit. Outside of this 1 negative reporting, my credit is perfect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
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:
I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions that have appeared on my credit report. I promptly reported this fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. Please delete this account : XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
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: Reporting company used your report improperly

Complaint:
Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, Equifax, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a Wells Fargo mortgage with PMI. We were told it could be removed a year ago if we paid for appraisal. Then Covid came and we decided to refi with XXXX XXXX XXXX instead. We failed to get the refi then find that Wells Fargo put us in a fore stance without our consent and our payment appeared as late and told it went to end of loan. All without us asking for any help. Now we requested the appraisal in order to take off PMI and now told we dont qualify and no explanation. We are tired of being screwed by this bank and our credit damaged. They have trapped us into keeping our mortgage with them and we never wanted them as our mortgage company due to the unlawful business they do. We want out! What can we do? Thank you

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 2021-01-20
Company: ACS Education Services
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Conduent Student Loan Servicer & XXXX will not furnish me an " Authentic Promissory Note '' that was purchased by XXXX via recorded phone call, verification of ID that was accepted to verify my credentials for signature authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Emails sent to my sister in law from XXXX XXXX XXXX about my new account opened. I contacted XXXX XXXX XXXX and had them close account. 

Then I got a notification by email about me owning a new bank account with XXXX XXXX. Did the same, called them and had it closed as it was not me who opened it. 

Now I have a notification by email of an identify verification with XXXX XXXX. Trying to contact them but can't get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX has inaccurate information reporting to my credit repotr on all 3 credit bureaus. The rules of the FCRA states that if the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 
i will be attaching all the inaccurate reporting that is being reported. i have tried multiple times to address this but my be i explained it wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: PA
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:
I am natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 UCS 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed becuase According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX  XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in Reference to Portfolio Recovery. This is a collection account, in which i do not have any knowledge of the company. I have asked Multiple times requesting validation of the debt, as well as copy of the original contract that was signed with my signature. Pursant to usc 1682G ( b ), I am able to see the proof of chain title of ownership. They have refused to send me any documentation. Along with this, it is listed on my credit report as open with past due amount showing. As a collection account it should not be open and not showing late and past due amounts. With this being said i wou7ld like it to be removed as being inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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 XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had a paid monthly monitoring subscription with Equifax for about 4 years or more years ( which I cancelled on XX/XX/XXXX ) and have always been able to view and print a report and score from them. I call twice and ask what was the problem and was told that they would " Try '' to find out and get back to me via email. 

It is now XX/XX/XXXX and I tried to get a report and score " Again " Nothing, Blank account under my name just my personal information. ". One page said " Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online. Another page said Sorry, the page you were looking for dose not exist ( 404 ). 
. 
I was able to get reports from XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX. I have had a credit history since I was about 20 years old and due have reports and scores from Equifax XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. I don't think that I am the only one going through this with them because they also said something about changing their format forcing us to use XXXX only to get to them. " The 3 people who I talked to Did Not Seam To Know What They Were Doing Either ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Ive received a 90 day late notice from Heartland ESCI ( attached to complaint ) dated XX/XX/2023 indicating that Im 90 days past due on an account I do not recognize. I also received a 105 day notice on XX/XX/2023. I've never established a business relationship with Heartland ESCI nor with XXXX University. Ive never received any servicing communication from either of these entities until receiving this notice which feels deceptive. How can I be 90 days or 105 past due on a loan Ive never originated or received the benefit of the loan proceeds? 

Additionally, Im afraid that this is a scam. Im a former XXXX in the United States XXXX and thanks to my service have never had the need to take out a private student loan, certainly not one at 15 % interest. Ive never been enrolled in or taken courses at XXXX University. Ive not received any information related to this account prior to the 90 day late notice. I believe these are private student loans but Im unsure as Ive never approved the origination of a loan in my name at XXXX University. Im afraid to call any of the numbers included on these notices or online in case this is a phishing scam. The 90 day notice sent contains multiple unnamed XXXX XXXX XXXX and fails to provide any information as to what to do if I believe Ive been sent this notice in error. 

On XX/XX/23 I drafted a formal letter and sent this notice to XXXX XXXX XXXX ( listed on the reverse of the letter ) and XXXX XXXX  XXXX ( listed on the front of the letter ) asking for Heartland ECSI to provide me with more information related to this account but also asking for more information to ensure that Ive not been the victim of identity theft. These letters were sent certified mail on XX/XX/23. As of XX/XX/2023 I have not received any response. The notice containing two XXXX XXXX XXXX is confusing. Im confused as to how best to contact the firm without providing additional information about myself and potentially enabling further identity theft. 

I believe this letter may be a scam as the reverse of the letter, nor the website, have a place where consumers without established accounts may submit a formal complaint or request assistance. I dont know how to contact this firms security department with my allegation of potential identity theft. Im not sure how I can best inform and thus protect myself from potential monetary harm or non-monetary harm such as negative credit reporting on a loan Ive never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-01-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2013 I applied for a HAMP modification for my home. My principle balance at that time was {$780000.00}. I was told that I would not qualify for a HAMP modification because my mortgage was over the HAMP limit. The mortgage company told me I am over the celling and will not qualify me for government loan. I had a XXXX at that time and did not know I was being lied to. 

I have now found out that was not true! The HAMP for a two unit home is {$930000.00}. They said I would only qualify for in-house modification. I was ill, under stress of losing my home and not understanding the entire process so I agreed to the in-house modification. 

I have been requesting an answer since to correct the issue and no response. I could have had the government loan and not lose my house. They have accumulated so much debt that my house is worth about {$750.00} and my debt is about {$1.00} on the first and over $ XXXX on the second. 

Even though my monthly payment changed from the agreed amount, I struggled and made the payments all the way through XX/XX/2013. 

I owe so much now due to their error and want it to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SYNCHRONY FINANCIAL
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019, I used my XXXX XXXX XXXX XXXX debit card and made an online payment to PayPal for {$800.00}. 
The {$800.00} was deducted from my bank, XXXX, on XX/XX/XXXX but it was never found by PayPal. 

I have contacted PayPal and my bank numerous times to resolve this issue. First, PayPal said I needed to have a letter from my bank highlighting the transaction information. I faxed in a letter and the transaction details to PayPal. It was indicated on the bank transaction that my money had gone to PayPal BML ( bill me later ) which is PayPal credit. 

PayPal was not satisfied with my fax and told me they wanted a front and back copy of my check from the bank so they could find my transaction. I explained again and again that I could not obtain a front and back copy because I did not write a check. I used my debit card. My bank then provided me with 4 pages of numbers and account information that they provide to consumers who are challenging a claim. It was the most thorough information they could provide. 
I have since called PayPal twice and they said they still haven't received this new fax and they are undergoing a system maintenance currently and I would have to call back. At this point I am feeling very helpless. I desperately need this money to pay my bills.

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 monetary relief
Consumer complaint received 2023-10-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I havent been able to use any funds on my Ally bank account for almost a week. I have called their customer service and, after passing all the verification questions, asked to transfer the entire balance to my other bank account. The transfer was initiated by the customer service on XX/XX/2023. Two days later my account was suspended. I called the fraud department and after a few verification questions the account was unsuspended. It was advised by the fraud department that there will be no issues to transfer the amount now. So on XXXX of XXXX another transfer was initiated to the same ( my own ) bank account which was suspended immediately together with my bank account. I called again to unblock the account. The account is suspended for any services now so I have been totally unable to use my funds since XX/XX/XXXX. On XX/XX/XXXX another transfer of XXXX was initiated to XXXX which didnt post yet. It is supposed to be posted to XXXX on XX/XX/XXXX but Ally bank customer service says that the account is suspended so the funds will not arrive. I left a request to unsuspend the account again on XX/XX/XXXX. All my previously connected by me banks disappeared from the transfer section of the Ally bank App making me unable to use ACH transfer. I have had quite a bit of distress from Ally bank banking practices described above.

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 2023-01-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've been trying to monitor my credit report with Equifax both online and with the Free XXXX XXXX XXXX. I've even tried to call a few times in the last XXXX months. Each time it's like I don't exist. I called them with the number given on their website ( because I get the error message : Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. ) The agent was confused and said they didn't know what that meant and tried to help me log on the website. After giving all the information I needed to prove I am me they still couldn't prove who I was or pull up any past information about me. It's like I never existed with them when in fact I did before XX/XX/2022. I can give my information to XXXX or XXXX and they can pull me up with no problem. The only problem is with Equifax. This has been going on for the last XXXX months. I just want to know if I exist with them and I don't want this to effect taking out loans or anything with companies that uses them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Debit card deducted funds out of the account. But the transaction would not post for 4-5 days. On top of other charges added on from purchases and all of them not posting for days then I would be hit with ridiculous amounts of overdraft fees and for each transaction. 

Secured credit card was opened then later closed as the entire account was closed due to overdraft fees on both accounts. The Wells Fargo account was closed. In XX/XX/2018, I paid the entire balance off and was told it would take a few months to disappear off of my credit score. It is still there.

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