BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Mortgage Research Center, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Veterans Home Loans unlawfully violated my Privacy Act under Federal and State Regulations and invasion of my Privacy. 
In XXXX I filed Federal complaints with CFPB on issues of VA Loan denials because of my Lifetime Disability. During the VA Process I provided my social security and my private information and Veterans United Home Loans saved all my private information on their data. 
In which I told them to delete all my my private information on their data, but it appears Veterans United Home Loans used my private information for VA Loan unauthorize pulled credit on XXXX XXXX as I didn't give no authorization by verbal or online. 

Why Veterans United Home Loans will not provide evidence of my Authorization of consent to pull my credit with XXXX, XXXX  and XXXX? 
If Veterans United Home Loans can not provide evidence of my written hand signature consent as evidence for Federal Government. 
Veterans United should remove and permanently the unauthorize hard inquiry on my XXXX, XXXX and XXXX  immediately. 

This is a Privacy Act violations and ADA Department of Justice as I am XXXX XXXX, Retired and a XXXX XXXX XXXX Military Veteran.

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 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
1. On XX/XX/XXXX, XXXX made hotel reservations at XXXX XXXX XXXX OK for {$160.00} for late XXXX via Capital One travel center. 
2. In XX/XX/XXXX Governor XXXX of Oklahoma closed sectors of businesses including the XXXX XXXX in XXXX according to the manager on duty in the included recorded call. Due to Covid19. 
3. No one contacted XXXX XXXX to tell him the reservation had been changed. 
4. XXXX XXXX fortunately called to confirm the reservation was cancelled prior to the date of check in. Attached is proof of the call. 
5. The hotel confirmed the reservation was cancelled due to force majeure. The features of the hotel including the pool and restaurant, that were advertised, had been closed weeks prior. 
6. The cancellation number is XXXX 7. XXXX then waited to see if the refund was applied to his capital one account. It was not. 
8. Despite the hotel NOT charging XXXX, Capital One kept a charge of {$160.00} on his card 9. XXXX placed an outbound call to capital one for 25 minutes on XX/XX/XXXX. Proof attached. 
10. Capital One told XXXX in the call they would refund the amount within 48 hours. 
11. They did not. 
12. Five days later, XX/XX/XXXX, with no refund, XXXX placed a 1 hour and 53 minutes call. 1 hour and 50 minutes on hold to Capital One. Proof attached. 
13. They told him they had marked the charge as disputed and credited his card back for {$160.00} while it was disputed. 
14. Now today XX/XX/XXXX, Capital One has reversed the charge, adding back the {$160.00}. Without proof. 
15. Again, XXXX did not stay at the hotel, had no control over the reservation, and has a cancellation confirmation, and proof the hotel willingly gave him the refund and did not dispute the cancellation. 
16. In a 33-minute call to Capital One, XXXX was informed of the reversal and that he must once again dispute the charge or it will be considered final. 
17. Capital One and travel partners are committing fraud. The hotel confirmed they were closed on the date of the reservation. They confirmed no amount was charged as I did not stay. Capital One told XXXX they would refund the charge. Capital One refuses to return my money. 
18. Capital One inadequately handled the situation causing XXXX to call in multiple times over the course of nearly 3 hours.

19. Capital One has inadequate staffing to handled calls in a reasonable amount of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notifications on XX/XX/2021 and XX/XX/2021 that there were changes to my credit. When I checked, I saw two collections accounts that I do not recognize from a company that I have no dealing with. I have received no notifications, especially written ones, regarding these accounts from Portfolio Recovery. I disputed the collections accounts. They have not been validated. Portfolio Recovery 's practices are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Financial Assistance Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on FINANCIAL ASSISTANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :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. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Constar Financial Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hello, On XXXX XXXX at XXXX, I was contacted by Constar collection agency regarding a auto loan debt of {$9800.00}. I asked him why he was calling me here at my job and he stated that this was the number he had and in a rude tone he said " you owe my client {$9800.00} ''. I told him the original company has my cell he said well this was the only way I was able to contact you. I then let him know that he may contact XXXX XXXX XXXX as my account is with them, he said he has not heard anything from them and that I should contact them as they work for me because I am paying them. The agent then asked for my cell number and XXXX XXXX XXXX number. I provided him with both numbers. This agent was very rude to me during the entire conversation, and not only was he rude but he was deceitful in contacting my employer by not stating who he was or where he was calling from. When he called the person who answered she asked him what type of call this was and he said personal. 

Please note I do not want this person to contact me but he is to go through the debt relief consumer. 

Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CITIBANK, N.A.
State: NC
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:
This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about

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 2020-02-08
Company: S&N Debt Solutions, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Dear Sir/Madam : I am writing this complaint about Beyond Finance, a debt management company with whom I entered an agreement with in XX/XX/XXXX. This company proclaimed to serve as a mediator with my creditors and guaranteed me they would settle my debt without it going to collection so that I only had to pay one low monthly payment of {$460.00}. The asked me to sign a contract and told me to STOP paying my creditors and STOP taking my creditor 's phone calls. I expressed concern about not communicating with my creditors and the representative explained that I should refer the calls to Beyond Finance.

I followed their guidance and stopped making payments on the accounts that were part of the settlement agreement and I even wrote a letter to the creditors giving authorization for Beyond Finance to communicate on my behalf. Beyond Finance contacted me around XX/XX/XXXX and informed me that one of the creditors, XXXX XXXX, agreed to the settlement and that payments to XXXX XXXX would begin in XX/XX/XXXX. I felt relieved that XXXX XXXX and Beyond Finance reached a settlement agreement on my behalf. Unfortunately on XX/XX/XXXX I received an alert on my credit report that XXXX XXXX " charged off '' my balance. I disputed this verbiage because Beyond Finance representatives assured me that all settled accounts would show " settled '' balance. The dispute was overturned and the language remained. 

On XX/XX/XXXX I brought this to the attention of Beyond Finance in an email. They left me a voicemail to call them. When I finally called on XX/XX/XXXX, I told the representative that Beyond Finance misrepresented their services and that I wanted to cancel my contract. I also told them to refund my payments. 

I feel like I have been defrauded by Beyond Finance. I am furious that I wasted money and time when I could have worked out other payment arrangements with my creditors on my own.. So far they collected payments for XXXX, XXXX and XXXX and they did not deliver on their promise. Please investigate this company. 

Thank you, I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a result to a data breach at my realtors office my personal identity was compromised and misused to apply for and open up accounts without my knowledge or consent. i have taken the steps and precautions to protect myself from any further activity and damage of my personal credit file. i have a police investigation in progress locks for my credit monitoring sites that give me on time alerts and i have an identity theft 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 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I conducted a dispute with Experian, XXXX, and XXXX Credit Bureaus as recently as of XX/XX/2020 regarding the XXXX XXXX credit card being reported on my credit report. 
I have spoken to XXXX XXXX cardmember services and confirmed they do not have any information as far as profiles and credit accounts. 
The result they are getting from the creditor is confirmed account information as accurate, and I have yet to see what proof if any, have been used to confirm the account is mine.

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 2019-06-24
Company: Experian Information Solutions 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:
Experian is reporting my mortgage incorrectly. They are showing my account closed without a payment history. My account is open and current on payments. I sent them my current mortgage statement showing my account balance as well as mortgage payment. They have not updated this to 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 2020-04-29
Company: EQUIFAX, INC.
State: AR
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced recovery is trying to collect a debt of {$1400.00} in regards to XXXX XXXX XXXX. The debt is not mine what so ever. I have asked this company to prove in writing that the debt is in fact mine but they have failed to do so. I feel as if I am being harassed by this company and it is unfavorite they are trying to take money that I dont owe. I would like for their derogatory remarks that they placed on my credit report to be removed along with the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are several accounts showing on my credit profile that I have never provided my authorization for

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 2018-04-26
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I utilized my debit card for several purchases. At the beginning of the day I had {$180.00} in my account of available funds. On XX/XX/XXXX, I utilized {$180.00} in funds which did take me to a negative balance of $ XXXX which I agree to 1 overdraft fee in this case. However, I also had a chiropracter appointment which was sitting in my pending withdraws for {$40.00} which still has not posted today on the XX/XX/XXXX. Because the account is holding those funds they are also overdrafting me for another {$36.00} for a charge that is not posted yet. On top of this, my direct deposit is pending as well for over {$1500.00} between both of my accounts. I do not see how a bank can charge me for an additional overdraft fee when their system has the withdraw still pending and not posted to the account yet. This seem like a scam to get easy money from clients. I tried calling the bank to work this out but because of a dispute earlier in the year which caused due to an unauthorized withdraw which the investigation was in my favor and two other refunds within a 12 month rolling period due to the same situation I am facing today, they will not refund any further funds. Again if the funds are pending withdraw but not posted, how can a bank charge me for this when a deposit is also pending for the same day. I agree to one overdraft charge but not two of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been repeatedly contacted at my office which I. Stated I could not be contacted at. XXXX the individual tries to force me to verify personal info social dob etc. says unpaid balance from XXXX XXXX XXXX XXXX collecting for XXXX I send to send letter or contact alt number I would not give personal info. He then said he will contact my employer to have wages garnished. Fairly certain. This is illegal and not a legal payday company or in Florida. Not to mention debt collecting policy etc. these people harass and should be shut down

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation