BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
THIS ACCOUNT WAS OPENED FRAUDULENTLY. I PAID ALOT OF MONEY TO REMOVE IT TO CREDIT REPAIRS AND I EVEN CALLED THE CREDITOR AND EXPLAINED AND REPORTED IT AND IT IS STILL AFFECTING MY CREDIT TREMENDOUSLY. 

Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$460.00} written off. {$460.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$460.00} Terms NA THE FOLLOWING ADDRESSES ARE ALSO ON MY CREDIT REPORT AND I HAVE NEVER BEEN OR LIVED IN GEORGIA AND AS SUCH I BELEIEVE THE POERASON RESPONSIBLE HAS OR WOULD HAVE BEEN LIVING HERE. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX type Apartment complex THIS WAS THE INFORMATION FROM MY XXXX CREDIT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today ( XX/XX/2020 ) I have attempted to apply for a student loan from XXXX XXXX loans with a cosigner. They rejected my application due to unspecified credit reasons by Equifax. Subsequently I tried contacting the customer service number to Equifax provided to me. I have called the customer service number multiples times to reach an agent. However, despite having answered all of the identity confirmation questions, and calling during the proper times, they have refused to allow me to speak with an agent. They make it extremely difficult to contact support outside of automated responses and will not give me more information as to why I can not apply to loans with a cosigner. I'm at a loss as to what to do. I'm a low income college student at risk of dropping out because of the amount of stress I've been going through trying to finance my education. Equifax has left me with a bitter taste by not being available and helpful to me in this time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: AFNI INC.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was an account with XXXX that I closed. I returned the phones to a private XXXX store and apparently the owner sold or did not return them. He is no longer in business. XXXX was notified and sent my account to collection knowing this owner did this to many customers. They sent my account to collection and I disputed it. It was closed and removed from my credit report. Two months later the collection was sold to another creditor for the same amount of money. I have disputed that months ago but no reply and its still sitting on my credit report. Im an identity theft victim and these accounts keep showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
From XXXX to XXXX, Navy Federal Credit Union threatened me with hundreds of letters, phone calls to relatives, robo phone calls at XXXX, kept seizing my assets in savings and checking account in order to make me a member " not in good standing '', threats to my commanding officer, and countless other tactics that caused emotional distress while trying to study for new career after serving in the military. I kept NavyFCU informed of my income status and made payment arangements. I even would deposit more than minimum required. Harassment got worse and worse despite being a customer since XXXX, and having several paid in full accounts including auto and signature loans fully satisfied with never a late payment prior to XXXX. Every letter said that it would be impossible to establish credit again. All accounts charged off after impossible payments were demanded. I was never litigated against, my car secured by loan was never seized. I doubled my payments ( even though I was n't financial able ) in order show that I was trying, but I was treated like a criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please Delete Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
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 reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items 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 2020-09-10
Company: LYON SERVICES CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for pool loan for {$30000.00} through Lyons financial. They distributed {$15000.00} to my contractor. Due to the length of time its taken to complete my pool project I have decided to reduce my loan amount to only half paid to my contractor {$15000.00}. The customer service agent informed me she was unable to cancel the other half of my loan but I could pay off the loan early. The interest accrues daily on this loan and I do not want to pay interest on my money which I explained to her and my payments will be based on the original amount of the loan so they will be much higher than I want. I repeatedly told her that I do not want to extend to the full amount. XXXX XXXX informed me today XX/XX/2020 at XXXX XXXX that she would have to escalate to senior leadership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I am currently reviewing my Equifax Credit Report and I would like to have my new address and telephone number added to my credit report. 
Below is the address and telephone number that I would like to have added to my Equifax Credit Report : Address : XXXX XXXX XXXX XXXX, XXXX, NY. XXXX Telephone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Information belongs to someone else

Complaint:
did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. In XX/XX/2019, my mortgage was sold from Ocwen to PHH Mortgage. 
2. On XX/XX/2019, I had an automatic payment sent to Owen, 3. In XXXX, PHH said they did not receive the payment from Ocwen and said it will be a few weeks to a month before it is reflected in their system. To date, XX/XX/19 they still have no record of this payment. 
4. My loan has also increased by {$150.00} without them informing me. 
I have sent payments towards my balance numerous times and PHH mortgage says it does not satisfy the loan requirements. Meanwhile, my " balance '' keeps increasing and there is a " Notice of Intent '' 5. PHH has asked me to fax in my grievance - which I have done so on XX/XX/XXXX, to date I have not received indication the matter has been looked in or resolved. Each customer service rep keeps saying the same thing over and over and nothing has been solved. They keep saying, " they are looking into it. '' Please review the XXXX reviews, PHH Mortgage customer service is the worse, not helpful at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing has yet to respond to this complaint. XXXX OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2018. They continue with Forced Placed Insurance on a property they do not have a security interest in according to the legal deed and mortgage documents. I continue to dispute any and all charges by Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The mortgage company caused multiple delays in the closing process. These delays caused much stress for both me the buyer, as well as the seller who almost cancelled their contract. This issue resulted in XXXX closing dates not achieved, as well as several thousands of dollars of extension fee 's that were levied onto my loan even though I had nothing to do these delays, XXXX % of the time I returned any requests, or documents requested before the next day. I feel this was a form of extortion, for that regard, it would be next to impossible to restart the process with another institution this far into the process. Furthermore upon reflecting back to those issues, I feel that maybe those issues were intentionally caused, maybe to create a stream of revenue for the bank, which if that is the case I think it maybe fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Other problem getting your report or credit score

Complaint:
I was trying to access my account to unfreeze my credit on XX/XX/30, they were closed so I was unable to access my account to buy a car that day however they were open to businesses. 

Monday XXXX I spoke to one agent who said she could not unfreeze it with my information ( social, name, address ) but could send me an email with a temporary password. That was a lie, another person said it would take up to a week to get one through the mail. I need my credit unlocked immediately. They can not help me. I went through their questions to get to my account related to my credit and they said they are wrong when I have my credit report in front of me and I KNOW they are not wrong. This company is so poorly run I am surprised they can be given access to our credit reports but I understand why they have credit breaches.

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 2023-07-10
Company: EQUIFAX, INC.
State: IN
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a text message from XXXX reading " Your Wells-Fargo Account has been placed on hold. Please review your-account here : https : //verify-accountwells-fargo.us/ I have no Wells Fargo account. 
So this seems to be some kind of phishing scam.

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 2017-09-20
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX sent me 3 different sets of paperwork ( which I 've attached ). The information XXXX XXXX sent me bears different dates XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These loans are fraudulently reporting to credit bureaus and I 've asked them on numerous occasions to validate this debt. My concern is that XXXX XXXX paperwork contains 3 different hand writings that are n't mine. Not to mention the dates are way past the statue of limitation. The first one that states consolidation loan bears a signature that does not match my own along with a stamped date of XXXX/XXXX/XXXX. The second statement has XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the last statement says XXXX XXXX XXXX which is not my name at all on XXXX/XXXX/XXXX. This is very concerning that XXXX XXXX does n't have proper documentation on said accounts and is a violation of my 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 2020-09-10
Company: EQUIFAX, INC.
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:
On XXXX of XXXX, I submitted to XXXX, XXXX and Equifax a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called BofA on XX/XX/23 to set up a new autopay linked to a separate bank account of mine after closing my checking and savings accounts with BofA. As retaliation, they have disabled my ability to pay my credit card bill and are attempting to put derogatory marks on my personal credit. I am unable to access their " Bill Pay '' feature and add external accounts, and they will most happily charge me late fees and interest if I accrue a positive balance that I am unable to pay off due to their block.

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 2019-03-29
Company: Coastal Credit, LLC
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: Account information incorrect

Complaint:
VEHICLE WAS TOTALED IN WRECK AND OTHER PARTIES INSURANCE PAID IT OFF YET IT IS STILL POSTED ON MY CREDIT REPORT COASTAL CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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:
I have been in contact with Rash Curtis & Associate and thier attempt to collect a medical debt. In the first place I told them the debt wasn't mine, as well as the major XXXX bureaus. I asked for signed copies of my XXXX release which nobody provided. They kept saying that it was verified and I kept writing letters. I contacted the company directly by mail and they sent me an updated bill of medical services that I've never been seen for, with an address that I never lived at from the state of AZ. I've dealt with having my identity stolen before and this feels like a remnant of the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had around {$3000.00} transferred out of my account from multiple sources including XXXX, XXXX XXXX, and XXXX. These transactions originally started small enough to where I did not notice them, in the {$10.00} range, then all of a sudden I got hit with {$500.00} dollar and {$1000.00} transfers. I contacted my bank, Suncoast Credit Union, and they made me feel like a liar that about my dispute claim. This being the only dollars to my name, They refused to provide funds until the investigation was complete, and refused to expedite the investigation. The biggest shockers here was I did not get ONE notification, from email, sms, or the app, about ANY of these transactions occurring. I have never moved this amount of money so fast, and they still did not think about to freeze the account. They had so many chances to stop this before it had finished happening. I highly doubt they will even honor my disputes the way they make me feel, but I enjoy going the litigation route against Suncoast!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: OH
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 BEEN VICTIM OF IDENTITY THEFT. 
I SENT : -A POLICE REPORT -A FTC Report date documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like XXXX and XXXX DID. 
Fraudulents accounts : -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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We acknowledge that we owe this company money and that we are a Month behind. They call repeatedly throughout the day expecting a different answer and as a harassment technique meant to bully us into giving them money we obviously dont have. They are also calling my work number and I can not receive calls at work and they have been told this multiple times. Yet they persist. This is harassment pure and simple.

Company response to consumer: Closed with non-monetary relief