BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: PNC Bank N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Our small nonprofit has checking accounts and a credit card with PNC. Our current credit card charges foreign transaction fees, but PNC offers some cards that do not. In a call with XXXX XXXX on XX/XX/XXXX, XXXX XXXX asked him to find us a card with no foreign transaction fees, and he told me he would get me information by the end of the day. XXXX told him it didn't have to be that day, a week or so would be fine. We never heard back from XXXX on this issue, and on other issues he wouldn't respond unless we forced him too, so we notified PNC and they removed him from our account. In late XXXX and early XXXX we had a series of overseas purchases ( XX/XX/XXXX and XXXX, and XX/XX/XXXX, XXXX, XXXX, and XXXX ) for a training tool we need for our anti-corruption work. These purchases incurred foreign transaction fees because XXXX never got us the new card we asked for, so we were out a total of {$200.00} in foreign transaction fees because of XXXX 's negligence. On XX/XX/XXXX XXXX emailed XXXX and itemized the charges and asked him to reimburse us. He emailed back that he wasn't on our account anymore but would have someone follow up. Later that day XXXX got an email from XXXX XXXX asking to set up a call to discuss our transition to a new business banking manager. He told her we didn't need to have a call because we were taking our business our of PNC so all I needed her to do was get us a refund on the charges. We didn't hear anything for several days so XXXX checked in again on Friday the XXXX and she replied back that she couldn't talk to him, she had to speak to a signer on the account, that being XXXX or XXXX. XXXX gave her permission to work directly with me, and XXXX reminded her that he is also listed as a representative on the account, so XXXX already had permission to handle these dispute issues on behalf of XXXX. Despite this she still refused to deal with XXXX and tried to force XXXX to speak directly with her. XXXX finally spoke with someone at PNC and told them to work directly with XXXX on this issue, and they agreed they would. Despite this, XXXX has still not heard back from PNC regarding the issue. In the attached emails, PNC email XXXX to be exact, you will see that I gave written permission for them to deal with XXXX, but they still refused. Now that I have given them express permission on the phone to deal with XXXX and they agreed, I expect that to happen so we can take care of this issue and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me repeatedly from different numbers. I have emailed them and sent them a cease and desist letter but they continue and call me 15+ times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing an account listed on my report by XXXX XXXX XXXX with XXXX, Equifax and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX my credit monitoring alerted me to my social security number appearing on a credit application for Capital One Card. I of course believed it to be fraud as I have not ever done business with Capital One or completed any applications of any kind with them. 

On XX/XX/XXXX a credit monitoring representative and I contacted Capital One 's fraud department to indicate that there was a fraudulent application submitted with my social security number. The representative we spoke to stated they believed it was XXXXnot ' fraud, and instead stated that the applicant had simply 'mistakenly ' entered my social security number on an application with their name and info. The representative indicated that this was likely a mistake because other documentation in their possession showed my social security number and the applicants were 'very close ' to one another i.e. 'one digit off '. 

However, the fraud department indicated at that time that a credit account was created with my social security number in the applicant 's name ( note mine ) and that credit had indeed been issued to this person since it was not 'technically fraud. ' When I tried on XX/XX/XXXX to close this account or remove my social security number, I was told by Capital One that I could not do this despite the issue of my social security number, because 'my name was not on the account '. 

Subsequently, I tried on XX/XX/XXXX to once again rectify this situation with Capital One account specialist. After once again confirming my identity and providing my social security number, Capital One reiterated that they could not assist me further because I am not named as an account holder. Likewise, and problematically, Capital One also refused to answer whether or no my social security number appeared on any accounts or applications for the same reason, citing account privacy. They stated they only had the ability to search 'by name ' and my name was not returning any results at this time. 

Capital One should have never issued credit to anyone by any name with my social security number and should have denied the initial application if and when the applicant made an error. Now, they refuse to admit and correct their mistake by closing the account. Furthermore, they are stonewalling me because the account they mistakenly opened doesn't have my name on it. Meanwhile, this account holder could be borrowing against my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: MN
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:
Leaked ( involuntarily ) acquired sensitive information that could lead to future/ present damages to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried numerous times trying to contact this collection agency Commonwealth Financial. This company has placed 2 medical debts on my credit reports that do not belong to me. I previously disputed these same accounts and completed a fraud affidavit. The accounts were removed and now this collection agency has placed them back on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 Years & Months of confusion and stress. I finally have submitted a problem to consumer finance.gov about my ongoing issues with TransUnion. After Pulling all my credit reports and doing my own research I contacted TransUnion Customer Service and told them I believe I am a victim of an inquiry error on Tuesday XX/XX/XXXX. After talking with the operator she very quickly came up with the conclusion I was not apart of an inquiry error and that I should freeze my credit and call the banks of the inquiries I have listed on my report. I have 16 Inquiries on my TransUnion Report that I 100 % Did not Authorize Or Give Consent To these Banks/Creditors to pull my credit report at all and the 16 Inquiries I will leave all below with dates the inquires were made. 



TRANSUNION UNAUTHORIZED INQUIRIES CURRENTLY ON MY REPORT 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 I proceeded to Talk with TransUnion Customer Service and even told them I contacted All the above banks and most of them told me the applications were flagged as fraudulent and I would have to file a dispute with Transunion. Unfortunately Since TransUnion is refusing to pick up my phone calls and even when they do the agent has a hard time explaining to me why they wont Remove the Negative/Incorrect Falsified inquires on my credit report which leads me to believe I am 100 % being treated unfair.

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 2020-06-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello there is a collection on my credit report that I have disputed several times and it will get deleted and then another collection agency would get it its not my account it is with XXXX XXXX I have XXXX XXXX services now. I called them on several occasions to get this account off they have no way of verifying this account is what I was told by XXXX XXXX. They dont even know where the account came from but its a different account then what I have now. They told me to dispute it with the collection agency because once its left their office I have to go through the collection agency so they can verify it with XXXX  XXXX. I was told they have never tried to verify that account with them but they updated my credit report as verified. Called the collection agency several times to dispute this account and they told me they verified my social security number and my address. I asked them for a hard copy or a contract that I signed and they refused to provide it. They said they dont need to have it they verified it was my account by my address and social security number. So they refused to remove it and its not 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed because I had a joint account with my XXXX  where we sold shoes and the deposit were coming to my account they had me come into a branch location with him to verify his identity and then they still went and closed 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 2021-04-06
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 status incorrect

Complaint:
This Capital One credit card account was charged off in XX/XX/2018. I was unable to make payments at the time due to financial hardship. I reached out to Capital One on several occasions to initiate a settlement to no avail. After looking over my credit report recently, I realized that Capital One has been reporting this same Charge off as a brand new Charge-off every single month since the original date of the Charge-off, totalling 30 different Charge-offs on my credit profile. It looks like I have 30 different accounts with Capital One that all got charged off! I reached out to Capital One to resolve this issue over a month ago, and I have made several follow up calls since then to no avail. Every representative said the same thing. They agreed that it should only be 1 charge-off, not 30! as an account can only be charged off once. Then they promise to escalate the dispute and have a supervisor reach out to me but I never get a response back. This issue is very pressing because I can't get a mortgage loan due to this negative item on my credit report and I am an expectant father.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company did address the fact that I have a loan modification in place that they have not been horning, they promised to send me copies or proof of my payments being return with a detailed accounting of the payments not a payment history which shows I have made payments in for XX/XX/XXXXand XX/XX/XXXX yet I can not report any mortgage interest for tax year of XX/XX/XXXX as it states I have not made payments yet the history clearly shows I have. However, I do not have the return payments that are in question. I would like to know why we have so much of conflict with my payment history when I am not 670 days past due as the payment history shows it. My payments per month per the loan medication issued in XX/XX/XXXX by XXXX  is for {$1300.00} I have been making payments for XXXX. In summary I am very disappointed in the level of service and communication regarding my account with Ditech, I have called numerous times and have not gotten a call back, I have sent in the loan mod paperwork and have been approved for a loan mod that your company will not honor and did not have record of until I sent it but yet do not acknowledge it..

In Summary, This is a wrongful foreclosure process and proceedings, and I am disputing being 680 plus days in default.. It is not my fault the company DITECH did not know I have a loan mod that was approved by XXXX/Green tree. I am also disputing the said re instatement balance owed based on the fact that you have not proven where my payments are that have been sent for the last Year and half, and have not updated my mortgage balance with the correct amount owed as you did not have record of my current loan mod which is in question. Please stop this wrongful foreclosure and place my loan back into a payment status with the correct bal. please your co operation is appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX   Account Number # XXXX Balance {$1300.00} XXXX XXXX  XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX  Account # XXXX Balance {$380.00} XXXX/XXXX  XXXX Account Number # XXXX Balance {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime last year a collection account was placed on my consumer reports by this company called XXXX who claimed they were collecting on behalf of XXXX XXXX XXXX. I had no knowledge of owing any debt so I contacted the original creditor who in turn advised me to dispute the account with the credit bureaus. The account was removed. 

Now there is another collection agency trying to collect on the same alledge debt. I contacted the original creditor again and I was advised to dispute with the credit bureaus as well as file a complaint. I was also informed that they have been getting a lot of calls about this particular collection agency. The collection agency is Phoenix Financial Services. This company is using illegal tactics to try and collect on debts that they clearly do not own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Premier Holdings
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
There were multiple issues with this company. To start they called me at work. You can say my place of employment is one that would be considered unusual or inconvenient by the FDCPA because we answer emergency medical calls on the line they called. When I picked up the phone they said they were a law office trying to keep me from going to court to put a lien on my car. They also said they mailed something to my address ( my correct address ) and it was returned. I'm not sure why this one piece of mail is returned but nothing else has ever had problems. The debt they are coming after me on is well over the statute of limitations in the state of Ohio, and when I asked what this was for all they could tell me is it was a mastercard. My credit report is clear of any derogatory marks. I have spent the last 3 years monitoring my credit closely and taking care of any old debt on it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, file for bankruptcy. Lawyer said that since bankruptcy all student loans would be deferred. I heard nothing the first year. Thought all was ok. Year 2, I started getting phone calls from navient, since they had received my loans, they were no longer deferred. I explained the situation. They said " sorry '' then again told me they were deferred. Years 3 and 4, exact same thing. Bankruptcyou ended XX/XX/XXXX. Navient took {$2400.00} out of my tax refund for unpaid student loans. I called my lawyer and navient. Got the run around. 1. If my loans were differed I should never have had this amount withheld. 2. It is showing negative on my credit report since XX/XX/XXXX. 3.navient now says that since I was behind they never could defer my payment. I still do not understand how it was behind, I was in bankruptcy and it was supposed to be deferred. I explained to navient. They said that this was after bankruptcy when the loan went through. I talked to navient XX/XX/XXXX and they said I was deferred until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone 5 times tried to get some sort of credit card or credit with Citi bank - they were all denied due to lack of information on there part - but they used my address at the minimum

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 2020-02-07
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I saw a collections account for {$300.00} listed on my XXXX  Credit Report for {$300.00} through PMAB. I contacted PMAB on XX/XX/2020 stating that there were some concerns about this account and I asked how could I go about requesting debt validation to help me in my process of getting things squared away. I was told by the PMAB rep that I could not request debt validation from them and I would have to contact the original creditor for debt validation which I am almost certain is not true. I made it clear that I knew that I could request validation from them. I again asked how to go about requesting validation for that account. Then they told me that they could only send validation for combined accounts and not for the specific account that I questioned. I told them that this could not be true because this account has it's own account number so I am certain that I could request validation for this debt. 

Also, as an FYI : They claimed that they send me something in the mail in XX/XX/XXXX. I  did NOT receive it. Also, the postal service emails me each day that I receive mail ( with pictures of the mail pieces ). I have NOTHING from them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief