BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Some time on or about XX/XX/XXXX. I request a copy of my report from XXXX XXXX XXXX XXXX And they issue a report from a bank capital one 360 this account was open in XX/XX/XXXX cause to there report. bank rounding # XXXX account # XXXX. they need to verified this information and validation this. if not they need to remove, this account has a XXXX balance for over 12 year,. in XXXX iWars in XXXX in XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX   XXXX. al. and was release XXXX XXXX. capital one need to send me notice of the remove from my file. second met the XXXX XXXX XXXX account XXXX they got account overdrawn seven in year with a XXXX balance paid in full the fact incorrect bbt as of XX/XX/XXXX paid close as my request XXXX need to correct the incorrect. there is no miss used of this account. XXXX & XXXX  XXXX   XXXX. This information inaccuracy report on my report XXXX XXXX XXXX XXXX ( XXXX ) they need to validation this neg. information by submit proof. if not need to rquest that XXXX XXXX XXXX XXXX remove it ASP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: SYNCHRONY FINANCIAL
State: KY
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:
Inquiries placed on my credit report without my doing during XX/XX/18 - present

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 2020-09-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to unfreeze then refreeze credit but my.equifax.com does NOT load. It is also not possible to contact the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
in XXXX after several high profile data breaches I decided to freeze my credit reports with all 3 major agencies. On attempting to place the freeze with Experian, after entering all information online, I received notice that they were unable to place the freeze " based on the information I entered. '' Now, in XX/XX/XXXX I am attempting to apply for a new credit card. I was denied and instructed to contact all three reporting agencies to find out why they were not supplying the needed information for the application. I tried calling Experian and it is impossible to speak to a human to resolve the issue. I did try the automated credit freeze lift, but could not do it without a PIN that they were supposed to have sent when I placed the freeze. Well, since the freeze was never actually, technically placed ... I never received a PIN. I did try the online PIN retrieval tool in case that worked, but all that happened was a message that they were unable to help me online. No online tools or automated phone tools apply to my situation, but it is impossible to reach a live human. I have tried all numbers that are published online, pressing 0, asking for an operator, everything. 

The only option I have is to send a paper letter. Which I will do ... however, I'm doubtful that will help at all since they seem to be confused about whether or not I actually have a credit freeze on.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call my phone at least 5 times a day. I am aware of my debt and have asked them not to call me anymore as I've already told them I would call at the end of the month to arrange things. I've now asked them 3 times to not contact me and that I will. on or around XX/XX/19 XX/XX/19 and now XX/XX/19. It's obnoxious at this point ... they call when I'm at work and they continue to try to talk to me when I'm calling to tell them to stop. I'm fed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear Bank of America, I previously notified you that I am a victim of identity theft, and requested that you do the following : Investigate unauthorized transactions on my account Cancel my card Issue me a new card and account number, and Restore any funds withdrawn from my account without my authorization. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. My XXXX account was used for the following unauthorized transactions : Account Number : Charge : Date : XXXX {$700.00} XX/XX/2019 I did not authorize anyone else to use my card in any way. 
I am notifying you of the above unauthorized transactions, in accordance with the Electronic Fund Transfer Act. See Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205.6, 205.11. 
I request that you investigate any unauthorized transactions involving this card, including but not limited to those listed above. 
Please cancel my card, issue me a new card and account number, and restore any funds withdrawn from my account without my authorization. Please send me written confirmation of these actions.

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 2018-12-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent paycheck stubs to Wells Fargo indicating that I make {$4600.00} and they said that I don't have enough to cover the payment and the arrears amount.

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 2018-07-02
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and was approved for the PenFed Pathfinder Credit Card. The benefit includes a {$100.00} per year credit when using the card for baggage fees or in flight expenses ( food, drinks etc ). 

On XX/XX/XXXX, i used the card for a {$3.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX  XXXX TX On XX/XX/XXXX, i used the card for a {$26.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX On XX/XX/XXXX, I used the card for a {$14.00} transaction # XXXX, {$35.00} transaction # XXXX & {$16.00} transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX The total above comes out to {$94.00}. I was told i would receive the credit as soon as an eligible transaction is made. I have not received ANY of the 5 credits mention above. In fact, I WAS TOLD that i had to pay the {$15.00} minimum payment due on XX/XX/XXXX. I even was charged interest on the balance because the bank DID not credit my account as it should had been. This bank is not issuing credit on-time and taking advantage of customers by leaving the balance and earning interest when the statement closes. I made the {$15.00} dollar payment and was charge {$1.00} in interest on a balance that should had never been there. 

The only credit issued so far was the XXXX XXXX of {$100.00}, and that was credited about 4 days after use.

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 2018-07-03
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX XXXX XXXX XXXX in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2021-03-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute regarding inaccurate information that was being reported regarding my bankruptcy. My case number was not being accurately reported. Several attempts were made to dispute the information on my credit report. XXXX and Equifax report that the dispute was verified and accurate and that the reporting 3rd party agency XXXX reported the information as accurate. According to XXXX, no dispute was ever submitted and the Southern/District of California stated that they do not report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: IL
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 contacting you about the compromise of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me. 

account name- date opened- amount XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-08-25
Company: Consumer Portfolio Services, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Noticed at the end of XXXX my credit score dropped 90 points. After husband and I applied for a loan and were denied which was very unusual. Normally have excellent credit >750. Discovered USAA had reported a charge off on an account I had as a minor with my mother. It was closed 9 years ago when she filed for bankruptcy. Not sure why it was being reported now but it is well outside of timing for allowance on reporting. I did dispute with XXXX  and directly with Usaa dispute center both electronically and over the phone without any success. Makes no sense as all my accounts with Usaa are in good standing, have a boat loan and vehicle loan for many years now, would never be the case if this were true. All inappropriate reporting and I want discharged from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was provided a false invoice submitted via PayPal on XX/XX/XXXX purporting to be the XXXX XXXX XXXX. I have tried to contact PayPal, but they have no customer facing automated security features available. Customers can not submit fraud claims nor notification management of fraud events outside of a phone call during normal business hours ( Pacific standard time ). 

Management at PayPal has failed to enact sufficiently robust cybersecurity practices. Management has hindered customer submission of fraud events. The board has displayed insufficient oversight over cybersecurity processes. PayPal audit has not conducted sufficiently rigorous audits and assessments around customer fraud event submission. These are unsafe or unsound practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of TIAA XXXX  for several years. Every time I make a deposit they hold on to my money for a full week before releasing the funds for me to use. This has happened numerous times. My e-mail messages to TIAA XXXX  employees including to their Risk Analyst XXXX XXXX and to their CEO XXXX XXXX have been ignored. They have promised many times to look into this and call me back but have never kept that promise. They are now holding on to {$820.00} of my money since XX/XX/XXXX due to a charge request from XXXX and are ref suing to release it until XX/XX/XXXX even though XXXX has released their charge request because I had canceled my order. This is not only infuriating and irregular but possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: ECMC GROUP, INC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
See attached letter. 

In short, a third-party with questionable standing attempted to garnish my wages. I appealed, listing a number of objections. The appeal was conducted by Educational Credit Management Corporation, and was mishandled in the following ways : 1 ) The collection agency made no showing that requirements under 20 U.S.C. 1095a, et seq. had been met. 

2 ) I was denied appropriate procedural due process.

3 ) The lender did not produce my complete file, in fact produced almost no evidence, and the unproduced evidence should have been ( but was not ) viewed through the lens of adverse inference.

4 ) The decision relied on prejudicially incorrect or misleading Findings of Fact.

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 2020-05-29
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home XX/XX/XXXX during XX/XX/XXXX when the federal government shut down I was unable to pay my mortgage so the federal government ordered that mortgage companies couldn't report adverse reports to the credit bureau because people couldn't make their payments so the mortgage holder put me on a forbearance and stated " they wouldn't report me to the credit bureau for missed payments, LIE they reported me and when I applied for a new mortgage to purchase a new home my credit score went down tremendously, so again this year when the COVID-19 pandemic occurred there was another law that mortgage holders couldn't report any bad information about payments but again my mortgage holder is reporting me as being LATE which adversely affects my credit score. I have the document showing that I have no payment due from XXXX, XXXX AND XXXX. I was promised on numerous occasions that the forbearance wouldn't affect my credit and that I would be reported as 'paying as promised ' and paying on time. even by my relationship manager that is handling my 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 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid in full the balance and closed a home equity line of credit ( HELOC ) in XX/XX/XXXX with Bank of America. Bank of America NEVER discharged the loan, leaving me with a lien on my property. This negligence on the part of Bank of America is unacceptable, as is their bureaucratic process for the consumer to try to resolve! This is severely impacting my ability to sell and close on my home which is otherwise paid in full and should be free and clear of any lien! Im closing on my home sale in XX/XX/XXXX and this is a huge issue.

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