BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft I have filed a dispute with the Experian fraud department and have provided them a valid police report and a valid FTC affidavit I have taken all the steps and I just keep getting some generated reply from Experian saying my police is not valid because it was not filed with a law enforcement when in fact it was and I have provided all the information needed for Experian to verify the police report. They are knowingly and willingly damaging my credit and have caused me stress and multiple time to keep going to the police department even when they keep giving me the same police report and saying they don't know why Experian is sending some generated letter asking for a police report to block fraudulent account when they I have provided the valid police report. Enclosed is the FTC, Police report and the generated letter I get from Experian. Along with my Dispute letters sent to Experian. I have also checked my XXXX and XXXX who do not report any fraudulent accounts on my report. This is reformation

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 2020-05-20
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: ALLY FINANCIAL INC.
State: MA
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:
I got car finance with Ally XX/XX/2019, I been paid the most I can to pay off as soon as possible, Ally did accredit the payment to my account property and submitted false information to the credit bureaus. 
A complaint was filed with the Office of Consumer Affairs and Business Regulation, Division of Banks, their response was late, confused, and contradictory. 

A complaint was filed with the Massachusetts General attorney office, No update on that. 
The action of Ally was neglect, malicious, and cause damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested a credit line increase with CitiBank for my Costco Visa Card. The option I selected was for a instant credit line increase which specifically stated " this will not cause an inquiry on your credit report. '' No sooner than five minutes later did I get a notification of a hard inquiry on my XXXX  report. I called to dispute this and they said they could do nothing about it and apologized. Unbelievable.

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 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased airfare through Capital One travel on XX/XX/2020, for {$340.00}. On XX/XX/2020 my flight from XXXX XXXX, XXXX to XXXX, XXXX was canceled due to COVID 19. 

On XX/XX/2020, I arrived at XXXX XXXX airport at XXXX XXXX, four hours before my departure. When I tried to enter the airport the employee checking tickets told me I could not enter. He told me I had to visit the XXXX XXXX XXXX on the other side of the airport. 

When I arrived at XXXX XXXX, there were many people waiting in line. Apparently, several XXXX XXXX flights were canceled for the day due to new COVID-19 restrictions and XXXX border controls. When it was my turn to speak to the manager, he told me that he was sorry but there was nothing he could do. He gave me a flight cancellation certificate and told me to present it to Capital One since I booked the flight through their website. 

I have called and faxed Capital One several times concerning this matter but they have not refunded my money from the canceled trip. Capital One says XXXX XXXX has agreed to give me credits but that isn't true. I have called and emailed XXXX XXXX several times as well and they say that Capital One is responsible for reimbursing me since I booked the flight through their travel site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
i havent received any money put on my card, i called customer multiple times and havent been able to reach anyone ive been on hold for longer than 4 hours. im depending on this money in order to survive with paying my bills and everything please email me back at XXXX XXXX  XXXX XXXX  to let me know ways you guys can help me. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: TN
Product: Credit reporting 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 made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fifth Third Bank allow an account to be open for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name printed on the checks was XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. There were two accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the different entity names on the accounts and checks we believe that fraud, and money was being laundered through these accounts. 
When deposits were being made into account it was believed to be for the Entity XXXX   XXXX XXXX XXXX XXXX XXXX XXXX as checks were being written from this account for this entity. On XX/XX/XXXX I was notified that I was removed from the Fifth Third Bank accounts that was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, with being removed from the accounts we found out that the actual entity name on the account is actually the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This prompted us to check on the validity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a legal entity, and it was determined that XXXX  XXXX XXXX XXXX XXXX XXXX XXXX wasnt a legal entity. 
Since XX/XX/XXXX Fifth Third Bank has allowed funds to be deposited into accounts that does not belong. The Entity names for transactions such as deposits and Withdrawal were all completed under an entity name that did not exist at the time. According to all checks weve written, and all deposits made was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name on the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All deposits were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but went into accounts with entity name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
All funds in account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be for the entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now currently a valid entity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 reporting incorrectly a collection in the amount of {$3800.00} on the XXXX  XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-11-30
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately, I lost my home to wildfire on XX/XX/XXXX. A couple weeks later I received an insurance check for my dwelling coverage which I signed and forwarded to my lender Dovenmuehle at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX with instructions to pay off my mortgage and refund the amount above my outstanding loan balance which was approximately {$33000.00}. On XX/XX/XXXX my escrow account showed the check was applied towards my outstanding loan balance resulting in a XXXX loan balance and a $ XXXX escrow balance. I was told the escrow balance would then be promptly refunded to me. However, in spite of paying off my loan in full Dovenmuehle subtracted an XXXX mortgage payment of $ XXXX. About 5-6 weeks ago Dovenhuehle said they mailed the $ XXXX check but it never arrived. However, I did receive a refund of the XXXX mortgage payment. I called back in early XXXX asking the status of the $ XXXX check and they were concerned it never arrived as they stated it was sent more than a couple of weeks earlier. They advised I wait until XX/XX/XXXX and if it didn't arrive by then to call back to have them cancel and reissue the large check. I called on XX/XX/XXXX and requested a cancelation and re-issuance of the check because it never arrived. Then on XX/XX/XXXX I received a check which was meant to be the amount above my pay off, the $ XXXX check, but it was another refund of one mortgage payment. To date, I've received two checks, one for the amount they mistakenly debited from my account and a second payment which was supposed to be for approximately {$33000.00} but instead they sent a payment for a mortgage payment around {$2200.00}. They have really messed up twice in two months and after calling today they said they messed up again and it may take up to a month to issue a new check. I'm upset that they have messed up twice and will not escalate this to have it resolved. After losing a house from wildfire the last thing you expect is a mortgage company to incompetently hold onto your funds while you're left in the lurch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX we got a notice that out pay pal account was closed and froze. We did not think what we sold broke there terms and conditions as it doesn't say anything about selling brass but they did. Regardless we found other means to receive money for our business and was content to wait out the 6 months. However now they say they can keep all our funds in the account due to " Damages '' that were not described. Also they debited {$800.00} dollars from the from my fathers account that I had given him before the issues with the account. We were given no explanation for this debit so we are out the XXXX dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to XXXX XXXX through my open end credit plan Pursuant to 15 USC 1602 ( g ). GM FINANCIAL then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) XXXX XXXX has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to XXXX XXXX to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. XXXX XXXXhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). XXXX XXXX has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.

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 2020-11-21
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company owed {$1100.00} XX/XX/2020 from me my account shows this is energy bill for 120 days dew bill this is not my bill its frad case I need help who did this.company names bellows Transworld system XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. I went to the police and filed a police report report and an FTC report as well. 
I'd like you to help me resolve this issue, Thank you.

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 2020-09-04
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, the mortgage loan officer from PNC Bank received the executed agreement signed by both the seller and the buyer ( me ), specified for a vacant lot purchase. The loan officer assured me they could provide the loan for this property and for me to proceed with the seller. This included a non refundable deposit, that was only applied after I received reassurance from said loan officer that they were confident in the loan and the closing date. One week later, I asked the loan officer about some specific fees on the closing documents, and he replied 'I did not realize this was a vacant lot, we don't offer vacant land loan '. So my deposit is lost due to their error, and the scheduled closing is XX/XX/XXXX. I am yet to hear from anyone at PNC, and have not received any cancellation documents. The mortgage loan officer said I should get a call from his boss on XX/XX/XXXX, and I have received no call. This is unacceptable to put a customer in this position with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep getting calls from : XXXX XXXX about debt collection. Company shows as Harris & Harris. 

I actually spoke to someone once, they were looking for someone I don't know, who definitely does NOT live here, and they told me they would take me off the list. Instead, we're getting a call every third day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: ALLY FINANCIAL INC.
State: MN
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:
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XXXX. XXXX, XXXX, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-26
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Whenever I'm late on my payment which may be one to two weeks. XXXX 's home plus has employees call four to five times a day seven days a week. Even after speaking to someone about my account and when I will be in to pay. XXXX 's home plus repeatedly has employees call four to five times a day seven days a week I have all the calls documented. A lot of the calls they will sit on my voicemail breathing coughing after a voicemail message has already played for them to leave a message and they don't. Right now is a very stressful time. Due to covid-19. And unemployment insurance not paying out in a timely manner. This is harassment beyond mental distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX   credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature. They are being listed as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the stress you caused me. My information was also impacted by the XXXX  and XXXX XXXX breach and may have gotten into the hands of the wrong person.

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