BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. The fraudulent accounts are XXXX XXXX {$14000.00}, XXXX XXXX {$1100.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX {$1300.00}, XXXX account XXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. Fraudulent Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/20 my credit cards were restricted. I called in on XX/XX/20 and spoke with employee named XXXX he advised to send in front and back copy of my authorized users ID and a copy of their social cards. XX/XX/20 I called back to confirm again what was needed with XXXX. I sent the docs in. XX/XX/20 employee XXXX called in while I was on a call and I told her I would call back nothing was discussed with her. I called back XX/XX/20 and spoke with XXXX which she advised all of my documents were verified and I only needed to resend my daughter Mi'Kala social security card. I resent that in. XX/XX/20 employee XXXX noted my account that XXXX XXXX social security card was received. I did not talk to her. XX/XX/20 I spoke with XXXX which he advised all docs were not received and I now I need to also send docs in for previous authorize users that I don't even have contact with he also verified that XXXX did note that all I needed to send was XXXX XXXX social security card but he claims she gave me inaccurate information. I requested a manager on XX/XX/20 and spoke with XXXX. I explained to her what XXXX advised me and why I can't sent the additional info in. She advised that she would figure out how she can help me and she would call me back but she never did. XXXX never called but she noted in the notes that all I needed to send in was XXXX XXXX Drivers license only which were sent in. XX/XX/20 XXXX only noted docs needed but did not specify what documents. I spoke with another supervisor on the executive response department in XXXX that gave me another list of documents that need to be sent in I explained why I couldn't send those docs and asked her to have someone over her to call me back but she never had anyone else call. XX/XX/20 I spoke with supervisor by the name of XXXX which she gave me a long list of documents that I needed to send in which many of the things she mentioned were already verified that they were received by other associates throughout this process. I'm beyond embarrassed but I explained to XXXX the authorized users that I can no longer get information for is my abusive ex husband and his family members. I can't believe Capital One would want me to open up that can of worms contacting him and his family and potentially get abused again. Every single time I spoke with someone they gave me different information than the person before them. I had 2 credit card accounts with Capital One so far they have closed one which has effected my credit score and the other one is still restricted. I have been cardholder for a very long time with this company and I have NEVER been late on either of the credit cards and normally I pay the entire balance off each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of last year 2022 we opened up an account with Discover account # XXXX it money marketing account. We have done all the verification that they tell us to do everything was verified. But when ever we try to link an account with it they freeze the Discover account. Every time we unfreeze it, it work just fine only when we try to link a Internal account they lock the account.we keep call up every time to ask why but never given a proper answer.it keep going back and forth into we Decided to close the account. At 1st everyone is closer account keep telling us different reasons but finally we get this conclusion. For some reason they decided to close the account. That around XXXX so I think it over with just have to wait for them to send me my check. But in XXXX I have a email from Discover telling me the balance on my Discover account it was at XXXX and some so I got confuse So I call up and ask but they don't know what I was talking about. So fine I'll just keep an extra account but something never change every time I try to link my account they freeze it So again back to square one. So that keep going on for like around a month or XXXX Then finally They say that they don't wan na do business with you no more so they gon na close my account and send me the checkout. That was around XX/XX/XXXX or XXXX. Like I said the amount was XXXX something like that. On the XXXX of XXXX in the morning it was still that amount but by night the amount wasn't there anymore so I thought they really did close the account for sure this time. So XXXX weeks past but I want to know when the check will arrive and to what address cause I have XXXX addresses on file. When I call up give them the account number The account was never fine it's like the account of wait XXXX I told him that probably close the account but XXXX of the agents told me no matter you close the account the account will still be there they will show up in on the screen. They ask me am I sure that I have an account with them not somewhere else. Now what really going on I try every thing but the customer service say they can't do anything if they can't pull up the account. So with all that happened and me try to get to the bottom of it, it like Take XXXX send me the email from discovery telling me the balance on my account it XXXX XXXX. It funny my money gose from {$16000.00} to {$20.00}. After that I haven't call them because I know it not going nowhere.but thankfully I ran in to your.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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 status incorrect

Complaint:
My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: MD
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:
I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$660.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-09-22
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in a car accident XXXX, the other driver was at fault I went to the emergency room, and XXXX XXXX XXXX   company took the responsibility of my hospital bills because they're driver was at fault, XXXX XXXX took awhile to pay my hospital bills, so the bill has been placed into collection by CAPIO PARTNERS the account was opened by capio partners on XXXX, also once again on XXXX I disputed this account with capio partners telling them that XXXX XXXX insurance paid this bill on XXXX to XXXX ga XXXX XXXX XXXX XXXX dept, but CAPIO PARTNERS refused to take my account out of collections and they are reporting the same account twice, also reported the account before the allowed 6 month time period, and I was not provided with a dunning letter asking me if I wanted to dispute the account before putting it into collections, when I submitted my dispute and requested validation of this debt from capio partners, I request that capio partners submit a universal data form deleting this account from any credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: Summit Financial Corp.
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 status incorrect

Complaint:
Per XX/XX/XXXX Report, Summit Financial Corp has reported inaccurate 30-80 days late payments between XX/XX/2019 and XX/XX/2019, stating you made 2 out of 4 payments on time ( or didn't have a balance to pay off ). Currently it is showing as the month of XX/XX/XXXX and XX/XX/2019 as late payments, which is incorrect since my account was transferred to XXXX XXXX XXXX and they have reported correctly as On-Time for all three credit bureaus ( XXXX, XXXX, and XXXX ) for the month of XX/XX/XXXX and XX/XX/2019.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 a spread in a magazine to help with " branding '' my new business. I paid {$3500.00} for several things that were combined in a " package deal ''. The article was dated to come out online and in the magazine at the beginning of XX/XX/2019. On XX/XX/2019, I tried to pull the article up online and had trouble finding it. It turned out that the magazine had used card stock to represent my company instead of the numerous photos I submitted. When I contacted the publisher that day, he was aware of the problem. He offered to fix it, but I expressed concern that I did not receive anything he advertised in the package except a place in the magazine. I requested a refund for the remainder of the package that I had not received, and the publisher ignored my request. I filed a dispute with the credit card company and included the package details, as well as what I did not receive and they ended up siding with the magazine. I sent in a rebuttal after the publisher sent in his response and the credit card company went with the publisher again ( almost like they had not read my response ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-08
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have paid my mortgage since Selene increased my monthly payment amount unknowingly in XX/XX/2019. I also believe that Selene has made several errors with my loan.

Please help me determine what steps I need to take to get my monthly payment reduced and also to get my principal reduced. I spoke with a Selene customer rep in efforts of making a partial payment however my partial payment was refused. 

Also please help me determine why the servicer sent me a check in the amount of {$0.00}. I have called in on numerous occasions to discuss the check with the servicer however none of the representatives were able to explain the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The company information is : Portfolio Recovery Associates, LLC XXXX. XXXX XXXX XXXX VA, XXXX Phone : XXXX These people are contacting me about a debt that is no longer valid. This debt has gone past the statue of limitations. The account number for this action is XXXX and is addressable to : XXXX  XXXX XXXX  XXXX XXXX XXXX CA, XXXX Portfolio Recovery Associates has been faulted with many many complaints about pursuing non-existent or irrelevant debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Absolutely the most incompetent company dealing with mortgage loans on the face of the Earth. What they are doing and the fact that they are allowed to handle mortgage loans should be investigated by Congress to say the least. First off they called me inquiring about refinancing my VA home loan they had bought from ** ****** ***** & XXXX ; into a lower interest rate. I was pleasantly surprised that a company seemed like they were out to help the little guy ... .. That was the last time I would be pleasantly surprised .... All be it not the last time I would be surprised, horrified might be a better word when dealing with Freedom mortgage. First off, they already own my original home loan so documentation and numbers shouldn't be that hard, however it is and the new loans escrow was over {$200.00} short of where it needed to be in order to cover property taxes. Did I mention those are public information through XXXX County wedsites?? Well, I caught the error and had to send the form THREE TIMES WITH THE CORRECT NUMBERS to their closing department to have the numbers corrected. THEN I sat around my house on three separate occasions waiting for them to show up to close on my refinance ( this after noon being the third time ) AND NO ONE SHOWED UP! I called them everyday this week to insure everything was in place to close today, even called them yesterday afternoon and they reassured me everything was ready to go! Nope! Once again they didn't show up. I have taken 5 days off of work just to close on this loan!!!!!!!!!! And no one in management has even attempted to contact me! Absolutely disgraceful.

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 2023-02-10
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) XXXX XXXX XXXX  {$9900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$13000.00} XXXX XXXX  {$9100.00} XXXX XXXX {$5000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$330.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Mercedes Benz Financial Services
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$24000.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC bank is the most horrible bank ever. I have been having problems with this bank ever since I was forced to switch over from BBVA. I am having an issue with PNC letting me connect to any 3rd party apps through XXXX. I can't use XXXX, it has been a feat for me to try to use XXXX XXXX and any other 3rd party app. I have called and been on hold for more than 20 minutes each time. I tried resolving the issue with XXXX on XX/XX/21 around XXXX ish and she was very rude and had absolutely zero answers for me. I asked to be transferred to a manager to see who could help me and I was on hold for over an hour and not one person came to assist me. The app is not user-friendly and PNC puts archaic measures into place under the guise of protecting your account. I just want to be able to use, move and transfer my own money as I see fit. I am leaving this bank asap- consumer beware...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The PNC website advertises a HELOC with a fixed rate lock feature. The advertisement contains a payment amount example and a rate amount with a fixed rate lock of {$50000.00}. When I inquired about this option, however, the Loan officer told me that the best rate was only available on fixed rate locks of {$75000.00} or more. This means the payment amount does not match the rate advertised. This is deceptive as they are advertising terms that are not actually available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX sent information regarding removal of credit inquires off credit file. XXXX, Equifax and XXXX failed to comply of removal.

Company response to consumer: Closed with explanation