BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In or around XX/2015 my personal details was used to obtain service with this company. 
I, XXXX. XXXX XXXX has given no-one the authority to open this account and was unaware of its opening until it was found to be reporting on credit report. I would like to have the recorded application forwarded to me so that it can be validated as well as all signed documents and ID used to verify the applicant which led to the opening of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had an account with BBVA USA. PNC Bank bought BBVA USA, and their goal was to automatically convert all BBVA USA customers into PNC Bank customers. I do not want to be a customer of PNC Bank, so I waited for the documentation explaining how the acquisition would happen.

I received in the mail a document called " PNC Consumer Disclosures and Agreements '', which states on page 21 : " You don't need to sign this Agreement. When you sign the signature card, electronically acknowledge that you agree to the terms and conditions of the agreements provided on the " Terms and Conditions '' page of the online account application, use your account ( s ), or add/change services connected to your account, you are agreeing to the terms and conditions of this Agreement '' I also received in the mail a document called " PNC Business Disclosures and Agreements '', which states on page 14 : " You have agreed by signing the signature card and/or by using your account on or after the opening date '' So, I intentionally did not do any of the above, and the statement in the " PNC Business Disclosures and Agreements '' document is false. In fact, it could not possibly be true since the document was received prior to accounts at PNC Bank being opened the weekend of XX/XX/2021. 
Then, I began receiving letters in the mail about an account in my name at PNC Bank. I have called several times, and was never given an explanation as to how there is an account in my name at PNC Bank when I have never agreed to that. The latest representative that I spoke with on XX/XX/2021 actually confirmed that what happened with the accounts was specifically not in accordance with what I received in writing from PNC Bank. I asked, specifically, whether what happened is different from what I am reading in the document referenced above ( which I read aloud to him ), to which the representative answered, " Yes, that's correct. '' If I am unable to resolve this through the Consumer Financial Protection Bureau, then I will have to go to court to force PNC Bank to comply. I never agreed to an account with PNC Bank. They ask on the phone if I want to close my account, to which I answer that I do not have the authority to close any account at PNC Bank because I have never agreed to any terms or conditions for an account there, and that there should not exist an account at PNC Bank under my name. 
I have attempted to resolve this with PNC Bank directly for both a personal checking account and a business checking account, both of which were fraudulently assigned to me in PNC Bank 's attempt to " automatically '' acquire customers, regardless of their desire to have a financial relationship with PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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:
I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent experian : XXXX and XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and XXXX asked for my Identity information again after I already sent it twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: TX
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 filed a complaint with you XXXX The XXXX ( bank ) took further action that was not included in my complaint. 

The bank did not explain or respond to my concern about their additional action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Big Picture Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan for {$1000.00} taken out in XX/XX/XXXX. I have paid six bi-weekly payments of {$220.00}, totally {$1300.00}. Plus an additional payment of {$220.00} that was recently taken despite the fact it was unauthorized ( more about that below ), making it a total of {$1500.00}. To date, the total amount I have paid ( which is {$540.00} more than the loan ) has gone towards interest only. 

In understand I took this loan, but the APR of 545.6883 % was not made known to me until after the loan was being funded. At a minimum, if I pay off this loan today, I will be paying a total of {$2600.00} for a {$1000.00} loan. I feel as though I have mislead and taken advantage of by Big Picture charging this exorbitant amount of interest, and failing to disclose the extremely high rate until after the loan was processed. 

I sent an email requesting to resolve this issue in an amicable manner, and revoking my prior ACH authorization, on XX/XX/XXXX. I followed up on XX/XX/XXXX, with a phone call to ask when I would receive a response and, again, revoking my ACH authorization. The customer service rep assured me that no further ACH transactions would be taken from my account, and that I would hear back shortly from the escalation team regarding my email. To date, I have not received correspondence back and Big Picture Loans processed an ACH transaction on XX/XX/XXXX. 

Furthermore, I don't believe this company is licensed to do business in my home state of Nevada. While I would like to resolve this issue, Big Picture Loans has been unresponsive and has blatantly ignored my requests by taking an ACH that was no longer authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and should be removed from my report immediately : Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX AL XXXX- This address belongs to someone else. Delete it from my report immediately. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX  - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

Under the FCRA, credit reporting agencies are required to ensure that the information in their reports is accurate and up-to-date. I understand that accurate credit reporting is crucial and I respectfully request that you investigate these items and take appropriate action to remove or correct them, as required by law. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2020-02-04
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX I was sold 2 XXXX party XXXX XXXX tickets for {$4000.00} by XXXX of XXXX XXXX. He originally called me regarding my inquiries into the XXXX XXXX and continued to bait and switch me to the XXXX XXXX. This party was NOT as advertised. I was guaranteed a XXXX XXXX view from my seat which did not happen. I have attached a photo to prove. Notice the yellow circle on the photo across from the seated couple. These were our seats which faced a WALL if you turned to look out the window. The food offerings were not as advertised and of poor quality, the premium bar was not premium and half of the 52nd floor was to be turned into a dance floor/party room. I have photos of the 12x12 parquet floor dance area. This was the worst experience and we only stayed 1.5 hours of a 5 hr party that we paid an exorbitant amount of money for. XXXX XXXX reviews are all terrible on line but unfortunately we found them after the event. We searched XXXX parties instead of XXXX. I have copies of all of the reviews citing fraud and misrepresentation as well. I have disputed the charge on my Chase Visa debit card and Chase Bank is not insuring this purchase that was sold to me with false advertising and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
My citibank Card Number is XXXX XXXX XXXX XXXX. 
My citibank CD ( # XXXX ) matured on XX/XX/2019. After I came back from my trip in early XX/XX/XXXX, I found that CD was renewed by Citibank. 
I called citibank customer services ( XXXX ), and asked them to cancel it and transfer all the money to my saving account because that I could not accept that citibank was able to handle my deposit on its own without notifying me. 
To my surprise, the amount of money transferred from the CD to the saving account decreased by {$260.00}. The balance of my CD is {$38000.00}. What was transferred to my saving account is {$38000.00}. 
I havent received any notifications from Citibank about the CD of mine, including letters and emails, I declare again. 
For which, I have repeatedly contacted Citibank customer services to ask them to correct their mistakes and refund me $ XXXXbut they have not yet done so.

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 2022-09-01
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the 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 terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you. I've called XXXX and your company to resolve this issue and I have proof from my current carrier as to when I started services and the previous phone number in question, which never left my XXXX until I changed my number in XXXX of 2021. Please remove this debt from my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2018-08-08
Company: EQUIFAX, INC.
State: NV
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:
ON XX/XX/2018 MY BANK XXXX PULLED MY CREDIT FILE WITH EQ I THEN HAD MY BANK TO PULL MY CREDIT AGAIN ON XX/XX/XXXX AND XX/XX/XXXX XXXX  CAN NOT ACCESS MY CREDIT REPORT FROM EQ I CALLED YOU CANT UNDERSTAND WHAT THE REPS ARE SAYING I NEED TO MAKE SURE EVERYTHING IS ACCURATE ON MY REPORT SO MY BANK CAN TRY AGAIN TO PULL MY REPORT FROM EQUIFAX HERE IS MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX # C XXXX XXXX, NEVADA XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have tried to reach out to the creditor, XXXX XXXX, and could not obtain an address nor phone number. I researched the companies name and according to the XXXX the company is nonexistent and/or closed. I then tried to reach out to Transunion to validate, verify and remove this collection. I have not received a response and it has been over 30 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of the mailed letter. This is considered a violation.

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 2018-10-19
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:
of the 3 major credit reporting bureaus, I have been unable to get in contact with Experian to fix an error on my credit report. I have tried numerous phone numbers Experian 's website has provided and still there is no option at all for real customer service to help me resolve this issue. If you will check online, you will see that this is a reoccurring issue for everyone else who has tried to reach out to Experian. Experian is purposely making it hard for anyone who wishes to cancel their service, fix an issue because they offer no way for you to talk to anyone at all, only a automated message that gives you two options and if you go outside of those options, it will just hang up on 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} 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 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 2019-04-17
Company: APPLE RECOVERY, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to XXXX. XXXX was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.

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 2021-02-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was recently issued a new Credit Card by Synchrony Bank that replaced my expiring card. My account was current, never late and I was a long term customer The experation date was XX/XX/25. I tried to use the card twice and the purchases were declined. One purchase was for a car battery. I was left in the lurch. I called Synchrony and they indicated that the account was closed due to inactivity. 

I received no written, telephonic and electronic notice that my account was endanger of being closed due to inactivity.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 BALANCE NO KNOWLEDGE OF THIS ACCOUNT CAUSING MENTAL ANGUISH DESTROYED MY CREDIT SCORE AND CALLING ME HARRASING ME ABOUT PAYING WITHOUT PROVIDING PROOF SIGNATURES OF ME SIGNING ANY AGREEMENTS

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