BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I got a letter in the mail stating that my credit file on XX/XX/XXXX of XXXX. That my personal identification information my name, current and previous address and any other identifying information was reported by the creditors. A fraud alert and legislative security freeze was put in place. I have sent out information to confirm my identity. I also however called 4 week ago to make sure my identity was correct with all credit bureaus and IRS, because of a data breach and fraud alert 4 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.

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 2019-04-01
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: Other problem

Complaint:
We are a public radio station and we do the usual things for fundraising -- direct mail, pledge drives and on line web form. 

Our call letters are XXXX ( XXXX, CA XXXX FM ) If anyone with a CapitalOne Credit Card makes a pledge it goes through, and we get the money deposited in our account. Then Capital One sends our customers ( donors ) a statement and instead of listing XXXX on the statement it shows " XXXX-Other Services '' and has the XXXX XXXX  XXXX XXXX logo with a picture of XXXX XXXX. 

Customer freaks out " I didn't buy {$100.00} of chicken -- someone must of stolen or hacked my card!! '' and files a fraud report. Then XXXX/XXXX  deducts the money they donated PLUS  a {$35.00} " Charge Back FEE '' from our account!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see previous and NEW COLLECTIONS, addresses AND CHARGE OFFS on my credit report. This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 
FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I did not know of these charges. I have been a victim of Identity Theft. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX/XXXX/XXXX I finally called the XXXX Collector in what the constant phone calls where about not only to my phone but my parents work and etc. What I finally came to light was Navient put one of my loans in default and was sent to a collection agency. The sad part about it was that Navient did not notify me, no letter, or phone stating that they were going to do so. I am already on a specific payment plan with them and have but all federal accounts into forbearance. So for them to not state that this has happened through me for a great loop because since I was no longer under XXXX XXXX I thought finally Navient would be better to work with and help out ... WRONG was. Now I am dealing with a settlement which is still outrageously high and finding out why i was never informed of this particular loan going into collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account at the time was altered without my knowledge or consent, due to an accusation based on Bank of the west records ( that the company refuses to give me copies of ; provide burden of proof ). My only proof that these alterations made to my account, which placed my balance- {$260.00}, as well as hinder my ability to provide for myself as a XXXX XXXX XXXX XXXX during the duress of the pandemic, has been the word of this bank and the forgery of my transaction history, accompanied by the original receipt of forgery by bank manager XXXX XXXX in her own hand writing. I have made several requests for the company to rectify this and turnover documentation used to support the alleged ATM error in connection to the {$500.00} bank error my account was accused of being responsible for, thus far they have ignored my requests, closed my account with a derogatory remark, and sold the forged debt to a collections agency, which is now creating a hardship upon my credit history. The only response received by Bank of the West in regards to my request for investigation has been in response to a complaint made by myself to the California Department of Business Oversight. The events in this investigation held 3 months prior to the initial request did not accurately depict the events that took place, B.O.W. has repeatedly ignored my written requests to comply with FTC regulations and has slandered my good name as a consumer, and inflamed the attack on my credit. These practices have been harmful to my livelihood and continue to harm my pursuits to have a better quality of life. I am in need of assistance, in any form to help rectify this situation, I am not financially able to fight this, to which I am sure they have been counting on. This nightmare began on XX/XX/2020 and is curent.

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 2023-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am currently looking to make a business investment and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXX OF XXXX - XXXX... 
XXXX XXXX - XXXX... 
XXXX - XXXX... 
BANK XXXX XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: MARINER FINANCE, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX from Mariner Finance ( XXXX ) XXXX called me at my place of business at XXXX XXXX EST on XX/XX/19 after I asked them to stop calling me at my work number and they said in a prior call that they would remove the number from their records.

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 2020-09-21
Company: Experian Information Solutions 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:
I am again notifying the CFPB and Experian AGAIN, that I am a victim of identity theft I am also once again attaching a copy of my social security card my identification along with my ftc report for your review.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE TRIED DISPUTING THE FRAUDULENT BANKRUPTCY ON MY CREDIT REPORT, AND HAVE GOTTEN NO RESULTS! XXXX XXXX REMOVED THE BANKRUPTCY FROM MY CREDIT REPORT HOWEVER IT SEEMS LIKE THIS COMPANY IS STILL SAYING ITS VERIFIED. IT HAS CAUSED ME TO LOSE OUT ON A HOME. THERE ARE ALSO FRAUDULENT COLLECTIONS AND INQUIRIES ON MY REPORT. THERE IS ALSO FRAUDULENT ADDRESSES ON MY REPORT THAT NEED TO BE REMOVED.

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 2019-09-30
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez financial has required me to pay for PMI in violation of the HPA for the last 30 months ( approximately ). 

I initially requested that PMI be removed from my account in the fall of XXXX. I was advised at that time that I would have to have an appraisal done ( costing {$400.00} ) for them to consider my request. When my home didn't appraise for enough money, I was advised that my loan was scheduled to reach 78 % of the my loan 's original value within the next several months and that PMI would then automatically be removed from my monthly mortgage payment. 

When PMI wasn't removed, I made a second request in XXXX of XXXX. I was advised that I would have to pay {$150.00} for a BPO appraisal in order to have my PMI eliminated. I paid for the BPO appraisal. I believe I was improperly required to pay for this second appraisal as the value of my loan was was well-below 78 % of its original value. 

New Rez advised me that they were eliminating PMI from my account earlier this month although they have not indicated that they would refund the PMI premiums that were improperly collected. I contacted them via email seeking a refund of ( 1 ) the improperly charged PMI payments, ( 2 ) a refund of the {$150.00} I was required to pay for the BPO appraisal ; and {$2000.00} in statutory fees as provided for in the HPA. New Rez has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CITIBANK, N.A.
State: NY
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:
CITI BANK in his response to XXXX asked me idiotic questions inapplicable the the case solely on purpose to dismiss 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 2023-01-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently moved all my cash from my checking account in HSBC and emailed my banking representative to close the account at HSBC. HSBC did not respond but instead charged me an account fee. I contacted HSBC and they refused to close my account due to the balance. By doing this, they failed to act upon my request for closing account and unfairly demand a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is an additional document for complaint XXXX that was just received on XX/XX/2021 it is the Annual Escrow Account Disclosure Statement. Please see the statement under Account History. this account was paid off XX/XX/2021. 

THIS HISTORY STATEMENT COMPARES YOUR PRIOR ANALYSIS CYCLE PROJECTED ESCROW ACTIVITY TO THE ACTUALESCROW ACTIVITY BEGINNING XX/XX/2021 AND ENDING XX/XX/2021. IF YOUR LOAN WAS PAID-OFF, ASSUMED ORTRANSFERRED DURING THIS PRIOR CYCLE, OR THE COMPUTATION YEAR IS BEGING CHANGED, ACTUAL ACTIVITY STOPS ATTHAT POINT. THIS STATEMENT IS INFORMATION ONLY AND REQUIRES NO ACTION ON YOUR PART

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00}

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 2023-01-25
Company: PNC Bank N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Attempted to deposit check into account check been on hold bank is withholding other funds not associated with check furthermore check for {$7600.00} has never been credited to my account not XXXX cent has ever been available and yet approximately {$2000.00} of unrelated funds being withheld and Bank has failed to provide statements of all accounts that Ive requested and or they send me digital links to statements that I have no credentials to access. Unauthorized subversion of funds through XXXX  party transfer ( CREDIT-PUSH ). transactions to PNC account number ending in XXXX. 
Full disclosure of all accounts and assets property interests policys and securities held by PNC or and Partner institutions that may hold on behalf of or for by XXXX XXXX XXXX or any variation of persons, entity, individual or corporations is hereby requested to be returned to ESTATE # XXXX as I am not lost at sea as previously assumed under cannon law/ meritime law. I am not or will never abandon any credits, funds held in any institution anywhere ever where it be in my XXXX XXXX best interest known or not known.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
sonal Statement All My Passwords, Username, Banks Information, SSN, ID Information Are In My Note On My Phone. someone hacked inside my phone to access these accounts. I had Multiple accounts open in my name, Im still TO THIS DAY getting out my name.

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