BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Back around XX/XX/2018, I noticed Capital One Credit Cards showing up on my Credit Reports. I promptly sent a request for information from the company, about the alleged debt in a form of a loan. Capital One ultimately took two of these accounts off my report. But left one still remaining on my reports. So I continued to question this alleged account, I did not recognize. Every time I ask them to provide me answers to questions Ive asked, they have answer with generic answers back. Thus not providing important information, that they as business should be able to answer. I literally wanted some with first hand knowledge to answer my question. But time and time again I received generic response, that wasnt even what I was inquiring about. This we back a forth for a while. Recently they have filed a lawsuit. In this law suit they include a affiliate, that supposly is someone of first hand knowledge. That says I owe them money. What is interesting is this person NEVER answers my questions I sent to Capital One. Its not till they filed a lawsuit, this alleged XXXX, comes forth. So I believe she are lying about having firsthand knowledge of this alleged loan. She never contacted me once. Even, when I requested to speak with someone with first hand knowledge. Their action speak million words. They have not been able to prove they made a legal loan and complied with Truth and Leading act. This is why its so suspicious they decide to sue, instead of answering my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
For almost three years I have been a member with PNC. For the past 2 years, I have been receiving direct deposit on Monday from XXXX in the amount of XXXX. On Friday XX/XX/19 my check was direct deposited from XXXX to PNC. On Monday XX/XX/19 I checked my account to find that it was negative in the amount of XXXX. At XXXX XXXX  I called PNC only to be told that if I dont get the Funds in my account by XXXX on XX/XX/19 I will be charged a overdraft inwhich all of the fees will not be reversed. In the 3 years I have been with PNC I have probably overdraft my account twice. And obviously today it is a glitch in the system. So for them to try and hold me accountable for all these fees and reverse them is ridiculous!!!! Especially when none of this is my fault. I have had issues with PNC and their system glitches in the past taht lead to several of the same transactions being taking out multiple times. So who am I to believe that this is anything different!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: LA
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 reached out to Equifax several times about these inaccurate collections that's reporting on my credit report.They sent me a letter stating they verified the information.they did not send me the original documents that was signed in which violates my hippa rights, At this moment I'm not threating to take legal actions against Equifax.I will because i have the paperwork to prove they have violated me as the consumer and made false allegations to keep this reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello I have always had trouble making payments on this car as the payment is high and Im single and support myself. But I do my very best. I tried in the past to get the amount lowered and they told me no after I submitted the paperwork two years ago proving I struggled to make the minimum payment. However I work in healthcare now and I had covid and have had horrible health issues since. I have been out of work with fevers and can not return per employee health. My XXXX was denied. I have no money coming in. I called a few times to capital one both XXXX and XXXX. XXXX was on hold over an hour so called twice. I cried on the phone with the representative. They know what a horrible situation I am faced with. I am trying to get ahead of this however they would only offer me partial payments or a payment plan. I made it clear that I have no money coming in. I can not pay them right now. I wanted to do put this months payment at the end of the loan. I am terrified of losing my car because I have to get to doctors appointments for my XXXX or the appeal could be denied. The appeal could take 45 days. I wont be getting paid anytime soon. I made this clear to them and they didnt offer me anything other than payment in the next 10 business days and I made sure to call before I was 30 days late on the loan. I am beyond stressed out and very sick. I am looking for a way to make this car payment more affordable and to get back on track. XXXX affected my health greatly and I just want to get everything back together. Thank you for any help you can bring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: PREFERRED CREDIT 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: Account information incorrect

Complaint:
Preferred Credit has been paid off and they stated they reported he information to the bureau. The bureau is showing the account open with a balance. I have a letter verifying it is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: KEYCORP
State: AK
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 use a general purpose debit card with the Mastercard logo issued by Key Bank. I use this card only to get cash at the ATM in XXXX. On XX/XX/XXXX I noticed some {$2000.00} + of fraudulent charges on my card statement. I immediately called the Bank and had the card closed. The bank then investiged the fraudulent charges. 11 days later, they concluded that they were not at fault, largely because I had not lost the card. Since that time I have been investigating on my own. One transaction for an amount over {$500.00} was made at a major retailer. I was able to gain the name of the person making the purchase from the receipt. {$640.00} in fraudulent purchases were made at an XXXX bingo parlor, which was not open to the public at the time. When I inquired at the parlor about possible survelliance video they weres, I was told that they were kept on ly two weeks, so they had no information. I plan to initiate legal action in both of these cases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
Company: WELLS FARGO & COMPANY
State: OH
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:
On XX/XX/2019 I received a letter from wells fargo fraud dept. notifying me there were possible fraud activities on my account and to call them. When I called they notified me that there were {$2500.00} in cash advances taken out on my credit card in CA. I live in Ohio. There were also charges of {$50.00} each of two item transfers. There must have been some other fees because the total balance was {$2600.00}. I told them to immediately close those accounts.

Shortly after that I received two checks from Wells Fargo. One was for {$1200.00} the other one was {$71.00}. Attached to the check was a note stating that I had not fulfilled my obligation to Wells Fargo. 

Due to the fact that when I called the fraud department several times and they refused to give me any information on the account, I am assuming that the money they sent me was from the accounts that were opened that not been used by whoever opened at the accounts. 

On XX/XX/XXXX I received a letter from Wells Fargo stating that because I closed that account they can not reverse the online transfer. Therefore, there will be no adjustment made to my bill and the claim is now closed. 

I have now closed all of my accounts with wells fargo including the new credit card they sent me because of the fraudulent charges on the old card. According to this letter they are holding me responsible for {$2600.00} for all of the fraudulent charges that were made on my credit card account. 

Wells Fargo notified me that there were fraudulent charges on my account while before I even received a bill for them. I had not used this credit card for at least over a year. After them notifying me there was fraudulent activity I received the monthly statement proving that they were correct in telling me that there was fraudulent activity. Obviously, the bank realizes that I did not make these charges but yet are putting them on my bill and making me pay for them. 

When I closed those accounts I was not notified that this would affect the fraud claim. The reason I closed those accounts was because I was afraid there would be more fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
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: Account status incorrect

Complaint:
There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of EducationXXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of EducationXXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late

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 2019-09-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX.I had a business account with SunTrust bank my account number was XXXX by the name of XXXX XXXX.without giving any reason suntrust closed my account when i called the bank they said you can't use our services and the funds will be sent to you within 15 days via check.now its been more than 3 months i called the bank more than 50 times they are not sending the money.every time they are saying its on hold.

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 2018-06-29
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: Personal information incorrect

Complaint:
I am in direr need of your company 's help. I had a few things on my credit file that I had questions about so I did my due diligence and disputed some things listed incorrectly. I thought everything was resolved until I went to a lender to purchase a home and they tried to pull my credit file and Equifax would not release my information. I contacted Equifax directly to find out why and I was told the information they have was different. They have my date of birth as XX/XX/1946 at one point they had it at XX/XX/1946, They have my name wrong and they have my address wrong. The frustrating part is that when I first started the process Equifax had certain documentation they required before they would do any type of investigation. The documenation they wanted was to prove my identity and my address. I sent them my driver 's license which reflects my correct date of birth, name and address. I also sent them a copy of my utility statement that also has the correct address. I mean really the utility company is the one servicing the address they would have the correct address for service. With that information in Equifax 's possession why wouldn't that information have been corrected? Now it's hindering my ability to make a move and this is absolutely maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navient called me on XX/XX/2020 at XXXX XXXX  on my personal cell phone in regards to my estranged sister 's student loan debt. I do not own this debt. I am not a cosigner. I am not affiliated in any shape or form with this debt. On Friday XX/XX/2020 they sent multiple text messages from XXXX in regards to paying off the loan. There was no mention of my sister. The messages were written in a way that assumes it is my student loan debt. 

They have called every day since XX/XX/2020. I have their number blocked using third party robocall blocking software but I can still see they are dialing. 

They are also harassing other family members who are not affiliated with the debt in any shape or form. My aunt received a letter about the loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Incorrect personal information on credit report 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
Consumer complaint received 2019-03-25
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:
This account was opened up fraudulently back in XXXX of 2015. My share the same name as my father and he has opened up several accounts in my name such as repossessed cars, cable, insurance, store accounts and this timepayment corp account. I have attached my previous credit report and police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car from California auto finance. I was never late on making my payments. At the end of my loan my car was totaled and payed off by my insurance company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Paypal Holdings, Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I opened up a paypal account for my boyfriend to receive his unemployment payments ... The transactions went through with out a problem up until XX/XX/2020 when a large deposit was made and PayPal instantly put limitations on my account which left me to not be able to transfer the funds to my debit card in other words they are holding my money hostage! Ive called Ive sent messages Ive done everything possible to reach them and I get the same answer every time ... Im told that Im not longer able to use PayPal that I went against there agreement policy and they are holding my funds for 180 days! Ive uploaded information proving who I am and my boyfriend is and that we live at the same address I uploaded both ID and utility bills with one in his name and one on my name showing the same address ... still have not heard a word for them! This money is vital to our survival, how can they hold people unemployment payments!! Im not the only consumer with this issue they have been doing it to everyone! I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Caine and WEiner COmpany ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 violated the title 15 USC 1681 Fair Credit Reporting Act. Information Attached.

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