BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Avant Holding Company, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act this Creditor, has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 It also states that consumer reporting XXXX, XXXX and XXXX can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
True Accord has been harassing me by email to collect a debit. I received 34 emails from different staff members at True Accord trying to collect a debt that I owe to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: IN
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported the following accounts to all 3 credit bureaus : XXXX - {$1900.00} XXXX - {$1200.00} XXXX XXXX XXXX - {$2000.00} XXXX - {$180.00} XXXX - {$240.00} These accounts were reported on the following dates : XXXX/XXXX/2020 XXXX/XXXX/2020 XXXX/XXXX/2020 XX/XX/2020 XX/XX//2020 Each letter I sent to the credit bureaus have been with no response. 

I sent letters exercising my rights to request identifying information about these accounts. I also sent letters to exercise my rights to request the method in which these accounts were verified. I have not received anything from the credit bureaus. I always allow sufficient time for my request to be investigated but they are never done.

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 2018-09-28
Company: 1st Franklin Financial Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am filing this complaint on behalf of my NON-ENGLISH speaking XXXX-year-old mother. She can NOT read or WRITE English and has been diagnosed with XXXX. She was given this loan via check mailed to her which was taken and deposited at her bank. She did not understand that this was a loan. I attempted to contact and explain the situation to this lender and they refuse to help.

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 2020-07-08
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2020, I sent a dispute letter to Navy Federal CU requesting that they verify debts that are being reported to the credit bureaus ; a total of 5 accounts being reported. I included my social security card and driver 's license. The requested items included : A summary of all account activities Copies of documents and financial instruments used to pay the disputed items Copies of all promissory notes and other documents to prove indebtedness I received a response back from NFCU, on XX/XX/2020, that they needed my access number to verify the accounts. However, my access number was printed on their response letter sent to me, so they obviously knew who I was and was able to pull my information based on the identification documents provided. 

While disputing these accounts with the credit bureaus, I sent an follow-up letter, on XX/XX/2020, with all account numbers that were being reported to the bureaus, and asked for the same verification documents ; which is my right under the FCRA and Title 15, Section 1666 of the US Code. My response letter stated that if they could not provide the documents within 30 days required by law, then they should proceed to delete records from my consumer reports. During the dispute with the credit bureaus and NFCU, NFCU continued to report this debt and even updated the account numbers that were reporting on my credit file. 

The response to me from the Consumer Loan Services Supervisor, of NFCU, on XX/XX/2020, was that they have investigated my claim and the debt is accurate. None of the requested items were provided that are required under law, and til this day NFCU continues to report the updated 4 accounts to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to 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 2020-07-08
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a 2nd mortgage with PNC as a line of credit. I wanted to refinance my 1st mortgage while keeping the 2nd as is. That requires a subordination agreement from PNC. 
On XX/XX/XXXX we requested the subordination agreement from PNC and submitted all required documents On XX/XX/2020, After several attempts to get an update on our request, PNC requested an updated title commitment since the one we submitted expired. 
On XX/XX/2020, we received another request from PNC to update form XXXX and adjust by {$0.00}. 
On XX/XX/2020, we received a request to update the payoff statement, Investor approval since the documents we submitted originally have expired. 
I communicated my concerns with PNC and the case number with them is XXXX. 
The process is taking so long that I already lost the locked rate for the refinance. In addition, in about two weeks, the my home appraisal I did to get the refinance rate will expire and I will have to pay {$450.00} to redo the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
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 2019-11-16
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Well I keep disputing it online and then it gets takin off my credit report then they put it back on my credit report saying new account open and it was sold to a new creditor which is illegal Commonwealth Financial opened XX/XX/2019 the last time they put it on my report it said XXXX of 2019 amount of {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I used my newly opened Capital One checking account to send {$1500.00} by the transfer service, XXXX, through Capital one. My account showed the money was sent, but the recipient never received it. capital one was and is very difficult to contact, after wasting hours trying to get help ( all calls recorded ) i was only told to keep waiting, or transferred between useless and incompetent people. Capital one is taking too long to give me back money my family and I need to survive. Their inaction is causing us financial and medical issues. There is no one that can help and I can not afford for to keep waiting indefinitely for them to " look into it ''. Do something, anything, to earn your title as an organization involved in consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
XXXX and XXXX XXXX applied for a reverse mortgage to help pay for escalating medical bills. They were granted a reverse mortgage but were not informed of the escalating interest charges through the years. They have borrowed on the equity of their home approximately {$40000.00}. they are being charged XXXX per month interest and now low {$200000.00} on the loan of {$40000.00}! This is predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$250.00} in XX/XX/XXXX. It is now XXXX. I called to close the account today after I noticed through bank statements that {$60.00} has been coming out of my account since that time. 
I called today to close that account and was informed that I still owed {$33.00} dollars on a {$250.00} loan taken back in XX/XX/XXXX. To close the account by XX/XX/XXXX I would have to pay {$93.00} ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father passed away XX/XX/2020. He has a checking and savings account with Suntrust bank. There is a beneficiary on his checking but none on his savings, so I ( his only child ) am entitled access to his account. I had an appointment at Suntrust on XX/XX/XXXX and met with Ms. XXXX ( will give name if requested ) to discuss his account and I completed and signed an Affidavit and Application for Deposit. While there Ms. XXXX, informed me that someone requested a hold on my father 's account. She did additional research but I was not allowed any information or access to my father 's account. Since then, I have called Suntrust Customer Service, and I called the Suntrust bank in XXXX, Va and spoke with a lady ( will provide her name if requested ) but she was of no assistance. She passed the call along. Other than Ms. XXXX, no one from Suntrust has communicated with me about his account. I have had " hang up '' calls, representatives that state they can not help me, or messages taken but no return calls.

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 2020-07-08
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been using the app XXXX for a long time now. For the past couple of weeks/month my PNC account hasnt been able to link to the app. It stated that PNC is blocking the ability to link accounts. Im not sure why when my credentials where verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-05-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a notification from my credit reporting agencies indication a major action. So I looked into it. Come to find out I have a collection on me for a " medical '' bill. Problem is, I haven't been to any medical professional, hospital, emergency room or anything relating to that in over 15 years! I am in an active dispute with the 3 credit reporting agencies. Now over a year ago I did misplace my wallet. And it was found and mailed to me. Money was missing but otherwise seemed untouched. I didn't think anything of it at the time. Maybe this could be a pending result of that? I'm not sure. But I know this debt isn't mine because the services they claim, I haven't used such in over 15 years!

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 2017-12-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX of XXXX XXXX XXXX XXXX XXXX agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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