BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am currently facing one of the biggest fights of my life. I am under a lot of XXXX XXXX XXXX XXXX I am sometimes left exhausted and with other side effects. I have managed to maintain all of my capital one cards in good standing. However due to a hiccup I had on one account, I mistakenly selected the wrong bank for a payment of {$25.00} that was returned, Capital One closed all my accounts like the cold blooded lenders they are. I would like these account to be reinstated since they were closed in error and for them to consider that perhaps some of us are fighting a battle everyday bigger than a return check fee could ever be worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2019, I successfully received my XXXX credit report online, but was unable to access both my XXXX and Experian credit reports. 

Instead I received a message stating 'an error occurred ' after following the online prompts for the two subsequent reports after downloading the XXXX report. 

On attempting to regain access to the two reports I didn't receive, a message was displayed stating I had already received my free reports. This was a false statement as I did not receive either report from Experian or 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
Consumer complaint received 2022-12-14
Company: PENTAGON FEDERAL CREDIT UNION
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:
PENFED CREDIT UNION POSTED AN OPEN LINE OF CREDIT ON MY CREDIT REPORT XXXX XXXX AND NEGLECTED TO SEND ANY INFORMATION TO ME ON CREDIT APPROVAL AND I HAVE NOT BEEN ISSUED A CREDIT CARD SINCE I DISCOVERED THIS ACCOUNT ON XXXX XXXX WHILE REVIEWING MY BANK STATMENT ONLINE.

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 2019-11-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid this car loan off on XX/XX/2019. We have made numerous calls to BMO Harris Bank but still have not received the title to this vehicle. The last person we spoke with was XXXX ( refused to give last name ) said she was a manager, advised if we go litigated she will stop all research. She was of no help and did not want to help. We are tired of waiting on this Title as we want to sell this vehicle but we are not able to without a Title.

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 2021-11-02
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was a customer of BBVA which was acquired by PNC. At the time, I had five business accounts and two personal accounts. Listed below are the issues that I have experienced since XX/XX/XXXX as well as continue to experience due to the acquisition/conversion issues. 

1. Bill payments missing - still an issue 2 Not able to access some of my accounts- resolved after over a week for one of my accounts 3. Personal accounts and business mixed up - resolved after over a week 4. Bill payments being made that I can't see of confirm if they are going to being made - ongoing issue 5. Payments being made without my permission for a line of credit that was paid well before its due date and for more than the required payment - ongoing issue 6. Lack of initial response to my issues and ongoing poor service 7. Not being able to confirm if my employees would be able to get paid because of the issues. 

All in all, this was the worse banking experience ever. It is beyond my comprehension that PNC could have done this so poorly while putting customers money and businesses at risk. I believe that PNC should not be allowed to do any future acquisitions and should incur major financial penalties for this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion Credit Reporting Company, Earlier this year (XX/XX/XXXX ), TransUnion Credit Reporting Company was reporting active Student Loan Accounts when they had been completely forgiven in XXXX. TransUnion, after filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) removed the amount owed; however, TransUnion kept the accounts ( with a XXXX balance ) on my TransUnion credit report. 

My student loans were forgiven and should have been completely deleted from my report not only zeroed out. Further, several of those student loans are from XXXX, which should be deleted from the credit report starting with XXXX XXXX ( XX/XX/XXXX ) through XXXX  XXXX XXXX ( XX/XX/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 2018-02-20
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told two callers, who call me at work ( they found my work number after I filed my income tax return in 2015 ), not to call me at work. I sent a letter to their Office of the Customer Advocate, but they still keep calling me at work but now it is with automated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
They are charging me more interest than what is allowed by law. My current interest rate is 22.789 %. when the maximum for a auto loan is 16.00 %. This is predatory lending at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was at XXXX XXXX on XX/XX/2019 and the service manager was telling me about a product called XXXX. Only a soft inquiry. I could choose how long I wanted to pay Up to 12 months on balance after making initial down payment through my debit card for initial charge. I was approved for {$3700.00}. XXXX is Apparently through a bank called XXXX XXXX XXXX  , XXXX., I used the credit line to pay for my repairs. 
I received an email later in the day. It came with two attachments. One was a disclosure that says a soft hit will be done to determine credit limit. However, if I use the credit line, a hard inquiry will be made. The second attachment was a multi page loan agreement. It showed payments, that I paid XXXX  XXXX XXXX and not to sign the document until I agreed to everything. I didnt see all of this documentation until I received the email long after the transaction. When I read it, at the bottom it has my name printed and date and time I signed it. If I had known it would have pulled a hard inquiry and would be subject to Florida documentary tax stamps, I would not have proceeded. This has now impacted my credit by a hard inquiry, and now Ill have a small dollar loan that will look like a payday loan. That could give impression if I apply for credit I truly would want that I may have financial difficulties. This was very misleading. I do not think dealerships or anybody for that matter should offer a product like this without full disclosure. I was told to tap here on the tablet, tap there, sign here. I saw the TIL, but it didnt click that it was an actual loan. I didnt see any disclosures or loan details and items that are part of a promissory note until after I signed, I got home, and checked my email. I thought I had a credit line up to {$3700.00} and they just helped me figure out payments to have it paid off in 6 months. I Also found out that the debit card that I used to make up front payment will be used for auto debit for loan payments. I would never had agreed to that. I feel as if Ive been taken. Im embarrassed about this now, and angry, and feel used and suckered. This was very shady. This could be a good product if it was explained in detail by an actual lender, not the service writer at the dealership.

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 2019-11-08
Company: Innovis
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:
XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
RE : Dog-related case. 
Claim number : CareCredit ending in XXXX Dear CFPB : I am writing on behalf of the patient, XXXX. I am the Owner of XXXX. 

Patient : XXXX XXXX number : CareCredit ending in XXXX Provider : XXXX, XXXX, CareCredit Date of Service : XX/XX/2019 through XX/XX/2019. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019, I received notice that this claim was denied. 

I am writing you with respect to the following claim. 

The explanation that accompanied the denial is inadequate and I need additional information. Please provide an appropriate explanation. 

In support of this claim, nobody reads the documentation. 

The professional 's lack of carelessness directly caused the death or damage  " XXXX endured/ suffered. XXXX  pet ER ( Synchrony bank required agreements starting with Vets ) also didn't incorporate to whatever provision obligating clinic ( the subcontractor ) to comply with the rules. The professional error made me lose my dog, but also that XXXX would be alive if no mistake had been made. Synchrony Bank failed to practice the selection procedures uniform, to all applicants, which resulted previously in a contrast in the rates of acknowledgement of XXXX and XXXX were approved. XXXX decided doctor 's facility at present needed to comply in light it might have been a regulatory subcontractor. The mischief XXXX suffered on behalf of the professionals resulted in a real economic loss to me. Professionals have neglected to use at least ordinary professional skills to carry out the task. The persons claimed to be specialists, in which case the standard is higher. The physician or other experts owed me a duty of care. You are required to notify Law Enforcement of Crimes against Persons ( Mandatory Reporters ). Dispute is being reported against physicians and various specialists. Accurate or deceptive reports by financial firms and other violations of accounts. Infringing the responsibility to treat the patient or client equally. Take the customer 's money. Misrepresentation or omission of essential XXXX data. Move the account. 

The adversary in this action is three entities affiliated with Synchrony Bank : XXXX, XXXX, CareCredit. No standardize screening practices for dog XXXX. Notes were not substantial. More concerned with personal objectives. Knowledge level of agents : 4 ( ranging from 1=Very Poor to Ten=Very Good ). Number of phone transfers : 5-8. Didnt improve customer satisfaction.

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 2019-11-08
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:
I have attempted multiple times to dispute with Equifax, law violations and incorrect information on my credit report presented by a collection company named XXXX XXXX XXXX XXXX. the last dispute dated XX/XX/XXXX. that the company failed to send notice of collection to a consumer, the company refuses to communicated with the consumer unless taking payment information. Equifax was also informed that the account was involved in a lawsuit and the collection agency collecting does not have a contractual obligation, the correct date of first delinquency information and or right to collect this account. On XX/XX/XXXX Equifax was then given the information by Fax that the information on my credit report was not accurate and should be removed, Equifax proceed to use that information given and corrected the inaccurate account without verification via E-Oscar the correct validation process according to The Fair Debt Collection Practice Act. The company XXXX still has not validated any information or mailed anything in writing verifying the account. Equifax has continued reported that they have verified the information is accurate, even after I have fax over proof that the information is not, on the account the date of delinquency is dated before the date of service, if the collection agency has the right information they would have known that, which is why I don't understand why Equifax refuses to remove the inaccurate collection account and violation of my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.. I am writing this due to non-compliance with the ( Equifax, ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, and TRANSUNION are in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XXXX XXXX Balance - {$1700.00} Account Number - XXXX Inquiries 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 request that the listed accounts and inquiries be permanently removed from my XXXX  XXXX XXXX XXXX and TRANSUNION credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights

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 2019-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I reported unauthorized charges on our credit card account XXXX and Bank of America did not even investigate our claim and didn't send any correspondences, they just sent one letter stating they denied our fraud claim. I read from numerous places and have been told that Bank of America has a practice of not investigating claims and quickly denies claims. This is an unethical practice and we should not be treated like this

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 2023-04-13
Company: EQUIFAX, 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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is in regards to an investigation with Transunion, file # XXXX. I filed a dispute online with Transunion and submitted supporting documentation to review with my dispute. The documentation supports that I made all payments on time in regards to the account with XXXX. Transunion conducted the investigation without reviewing the supporting documentation and made an unfair and incorrect decision, resulting in the error remaining on my credit report. I contacted Transunion on 3 occasions to resolved and every time my call was transferred because Client Relations does not handle online disputes. Each time I call the Online customer service number, I was directed to same Client Relations department.

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 2019-11-08
Company: Experian Information Solutions 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:
EXPERIAN, XX/XX/XXXX, and XX/XX/XXXXare in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XX/XX/XXXX - {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that the listed accounts and inquiries be permanently removed from my EXPERIAN XXXX XXXX XXXX and XX/XX/XXXX credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights

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 2021-02-26
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written Arcadia Recovery several times, and disputed the current account multiple times with the credit bureaus and Arcadia. Arcadia has never sent me anything at all. This is a violation of the FDCPA, they have to validate the debt at my request. They used to have multiple accounts with the exact same account number reporting and have corrected that with the credit bureaus, but still have sent me nothing at all. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 my direct deposit went into my private checking acct ar PNC ( I had opened the acct because I had asked my husband for a divorce and was trying to separate our finances. He had no clue what my new acct number was ) When I got up that morning to check my balance and move money to XXXX to pay my rent I was shocked to discover that a phone transfer had taken place moving money from my private acct to a joint acct I had shared with my husband and two atm withdrawels totaling {$1000.00} dollars. I was unaware of this and immediately called my bank to dispute it. I was told by the bank that since it was a phone transfer all he needed was my social and not my acct number to access my funds. I was not happy and went into the local branch in XXXX, Alabama and was told that they were unclear how he was able to access my personal acct without my PIN number and to call back on the XX/XX/XXXX when the transaction would no longer be pending. From there I was told that the funds never officially left my person since it went into an acct that had my name on it. Even though I did not give approval for any transfer and the person who did the transfer was not on my personal acct.

Company response to consumer: Closed with monetary relief