BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I received a call from a number impersonating citi bank fraud department about some transaction I did not request. From there, they walked me through steps to mull the transaction and reset my bank username and login as they described the scammers had access. By the time I realized what was happening, they were able to login and wire transfer themselves over XXXX from my saving. I had to reset my user abs password and call my bank to try to stop the transfer, one of which had already gone through

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX is continuously reporting a charged off XXXX XXXX account under my consumer report that does not belong to me. I have filed an identity report with the FTC and I've disputed with the consumer reporting agency several times and their noncompliance to remove false information is to my detriment and loss of financial gain/opportunities. I will attach FTC report, and a screen shot of the latest update of this account on my report. 

This company ( XXXX ) is in violation of this Federal Consumer Protection Law : 15 USC 1681 ( a ) ( 2 ), because I never gave written permission to report this account nor open it and to be furnished on my consumer report. This account isn't mine and must be deleted.

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 2021-05-19
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with synchrony bank and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which they claim that an alleged debt is now owed, the interest was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that synchrony bank claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX synchrony bank has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 2020-07-11
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was denied a loss mitigation package and was not given the option to appeal. My package was denied XX/XX/XXXX and my home was sold XX/XX/XXXX. I was required to turn in the same documents over and over again and turn in a new loss mitigation package after they said the one I turned in was not complete when it was in there system and consider facially complete. They also took over 30 days to evaluate the completed package.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 a free account with experian and I froze my account temporarily because I was concerned about unauthorized activity with my financials. I had finally gotten my credit score up to XXXX. So after unfreezing my credit score it now says I don't have enough credit to have a credit score. I've waited 2 months to see if it would resolve itself or come back but it hasn't. I worked hard to get my credit score to where it was and now I'm not elidgible for anything I apply for without a credit score. Please help!

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 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I called a company named " A XXXX XXXX XXXX XXXX  '' @ XXXX. The person who answered the phone said " This is XXXX ''. I then asked " Is this XXXX XXXX XXXX, the company that does the XXXX XXXX XXXX? '' To which he answered " Yes it is ''. I did not find out until the next day that he was a rival competitor stealing business from XXXX XXXX XXXX by pretending to be them to fraudulently obtain credit card data. I have attached a letter explaining all. Bottom line, I was charged {$400.00} that I did not authorize to a company called XXXX XXXX. I reported the theft to Bank of America and followed their dispute policy to the letter. I furnished BOA with all documents they requested including the police report, yet they chose to ignore the facts, added interest and penalties to a card I never opened, and turned it into a bad debt. I have attached pertinent documents. I do not understand how BOA could ignore the facts. Nor do I believe they investigated this theft, as I am the victim, but was never contacted by a BOA investigator.

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 2022-10-30
Company: Experian Information Solutions Inc.
State: TX
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:
After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing 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 explanation
Consumer complaint received 2021-05-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today, XX/XX/2021, received communication from PNC Bank. Message " Your PNC Mobile Remote Deposit access has been terminated ''.

Specifically, review of my Mobile Remote Deposit items determine non compliance with t
erms and conditions of the MRD agreement.

My mobile deposits have always complied with the terms. My only deposits by Mobile are a monthly personal check from my sister that I have received and deposited remotely for several years.

Any other deposits are minimal, ie. PNC rebate check for retiree services, etc.

I have entered many complaints about PNC practices being unfair or violations of the banking laws. I feel PNC is retaliating against me for filing complaints against them. 
PNC has also blocked my email address, preventing me from correspondening with the escalation team representative that has been handling my complaints.

PNC also refuses to refund fees I previously requested under the complaints regarding more than 2 representments of the same item and charging {$36.00} each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX currently have XXXX fraudulent accounts appearing on my credit report and XXXX inquiry.

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 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I was charged two amounts on my CapitalOne Venture card on Friday, XX/XX/2023 : one for {$1000.00} & {$960.00}. These were both fraudulent charges. I was alerted of fraud by the credit card company and I immediately disputed the charge, cancelled my existing credit card, and started a fraud investigation ( within minutes ). These charges officially hit my account on XX/XX/2023. 

I was alerted that my fraud investigation was completed and they found insufficient evidence of fraud because information we discovered leads us to believe you or another account user benefitted from the transactions After talking with the fraud department, they informed me that the chip technology was used in the transaction and therefore it means that the physical credit card was used to make the purchase. However, I was not in the location of where the charge was made, had never been there before, and physically had the credit card still in my possession. I am the only person connected to this account and no one else has access to this card. 

I tried to defend the purchases as fraudulent but they informed me that there was nothing they could do and that I had reached the top level of the fraud management department and that I was responsible for the charges. 

I was told that I was not able to receive additional details about their fraud investigation ( eg : what steps they took to deem the activity to be not fraudulent ) as that knowledge would disrupt the overall investigation and be not legitimate. 

The individual I worked with in the fraud department was XXXX, CapitalOne ID # XXXX. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 tried removing an erroneous Capital One account from my credit reports, which include several reporting inaccuracies : 1. The payment history does not match among the credit bureaus.

2. The Date Last Active does not match among the credit bureaus.

3. The High Credit does not match among the credit bureaus.

4. The Date of Last Payment is different for XXXX. 
5. A Notice of Dispute was not noted for the two previous disputes with XXXX 

A certified letter with evidence of the reporting violations to Capital One was sent on XX/XX/2022. Capital One replied on XX/XX/2022 stating, " We confirmed that the late payments we are reporting are accurate. Because this information is correct, we do not need to change how we update it to the credit bureaus. '' No evidence of a thorough investigation was provided. Furthermore, Capital One did not address why the reporting was inconsistent among the three bureaus or why it failed to provide a notice of dispute previously. Capital One continues to ignore the blatant inaccuracies on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  XXXX Account # XXXX have 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccuracies for XXXX XXXX XXXX Account # XXXX listed below. 
Date of last activity : Transunion reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : Transunion reports XXXX. XXXX reports XX/XX/XXXX. XXXX reports XXXX Payment History : Transunion reports XXXX history available. XXXX reports XXXX made 65 % of payments for this account on time. XXXX reports XXXX made 80 % of payments for this account on time. 

Inaccuracies for XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX listed below. 
Date of last activity : Transunion reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : Transunion reports XXXX. XXXX reports XXXX. XXXX reports XXXX Payment History : Transunion reports No history available. XXXX reports Youve made 17 % of payments for this account on time. XXXX reports Youve made 21 % of payments for this account on time. 

These inaccuracies are preventing me from getting a student loan to further my education, and from buying or renting a home.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$6400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Nelnet, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Nelnet is reporting to XXXX  that I made 5 late payments ( bright bold red print ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with NELNET and XXXX  with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact NELNET and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when NELNET bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: PREFERRED CREDIT INC
State: UT
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:
Preferred Credit Inc. Is reporting lates on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 and they are inaccurate. I recently took a look at my credit and noticed these lates reporting. However, when I go this account I set it up to auto draft and have never had an issue. However, my bank statements show that payment has been drafted from you but I'm not sure why late notations are reporting. My payments have always been on time, this is not my error and they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
Creditor claimed they would remove item off of my report its still on my report as a negative item. which is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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. I am begging you to update my account as soon as possible.

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 2022-11-21
Company: Experian Information Solutions 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:
On XX/XX/2022, I mailed out my FTC identity theft report to notify these companies that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked them to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that they are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

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 2021-05-19
Company: Harris & Harris, Ltd.
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: Public record information inaccurate

Complaint:
I am 100 % XXXX veteran, the va is going to take responsibility for all medical bills. I have already notified all companies of that information yet they still come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hi, Please take necessary action on fraud.I suspect my x-Husband XXXX XXXX XXXX.We are no longer living together from past 1 year.I can share you all documents which are required for taking legal action on fraud.My SSN, DOB, Full legal name was misused and opened multiple new credit cards on my SSN, XXXX  XXXX XXXX, transunion has added to my XXXX XXXXXXXX.I am no were responsible for new credit cards opened on my SSN.As i am living in XXXX from past 1 1/2 years.I haven't opened any credit cards or bank loans on my name.I have already filed a compliant against this.Please do further investigation and take necessary action on fraud.And please i am requesting you to block my SSN.I have already blocked my SSN on online but my x-Husband does know all my personal details like SSN , DOB, Full legal name.He might can unblock my SSN again and he mighjt use my SSN and open new credit cards for his personal use.Please take necessary action on fraud. 

Thanks, 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