BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, Thank you in advance for your help. My Capital One credit card was recently closed and my account was sent into collections with a third party debt collection agency during the COVID pandemic without Capital One ever sending me a bill or calling me to inform me I had payments that were owed. I only found out about this issue when I received a bill from the debt collection agency in the mail. I promptly called Capital One but they referred me directly to the third party debt collection agency. I asked the debt collection agency for more information about my bill to verify if this was in fact true and they said they could not provide a statement and I had to speak to Capital One. Capital One could also not provide a statement so given the bill was only for {$250.00} I went ahead and paid it off.

That being said my credit scorXXXX has been severely impacted as it shows an unpaid credit card bill that was sent to charge offs. I have been unable to qualify for a mortgage or auto loans because of this issue. I feel it's very unjust that Capital One can just destroy my credit score without ever even calling me or sending me a statement. The fact that this also happened during the COVID pandemic is just more insult to injury. I've tried to call Capital One for help to no avail. A few weeks ago I spoke with a supervisor at Capital One named XXXX who gave me the identification XXXX for my reference. He was not able to help me with my complaint. I told him Capital One never sent me a statement or called about the charge off and I did not have any proof I even made the payment. He had nothing to say to refute any of this. The only thing he did tell me that was useful was that the original bill was {$45.00} and all the late fees that they added, despite not calling or sending statements, led the bill to escalate to {$250.00} before they charged it off. That's frankly even more insulting. He told me Capital One would not be able to correct this issue on my credit report despite having paid the bill off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerisave has negligently failed to correctly calculate and process my loan on several occasions. 

Currently, they failed to calculate and pay my property tax. A {$120.00} balance is past due to XXXX XXXX, VA as of XX/XX/XXXX. An additional {$2000.00} balance is payable in XX/XX/XXXX that Amerisave does not intend to pay. Amerisave 's next payment from my escrow account is planned for XX/XX/XXXX. 

The Amerisave Servicing department says there's nothing they can do, and that I have to contact my loan officer to resolve it. My loan officer, XXXX XXXX, doesn't answer his phone or his email, so I have no recourse if I follow the Amerisave process. 

This is only the most recent error of Amerisave. Previously, 1 ) they failed to underwrite my loan by the closing date and needed me to delay my closing by a week to allow them more time. On the morning of closing, their underwriting team was still sending me initial questions and initial requests for documents. 
2 ) they failed to correctly calculate the cash need to close, erring by {$2200.00}. On my second closing date, Amerisave " updated '' my closing disclosure to reflect that I actually needed an additional {$2200.00} in cash to close that day. 

Amerisave is clearly negligent in their handling of my mortgage and they have no regard for the harm they cause their customers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: FL
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: PNC Bank N.A.
State: FL
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 Reporting Act, PNC Bank account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COMMONWEALTH FINANCIAL XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Creditor above is reporting erroneous defamation on my XXXX for some medical bill that is NOT mine! I wish to file a complaint against this debt collector If this debt is mine, send me a HIPPA signed document which they should not have since i never went to this company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: UT
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 have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2021-03-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Credit dispute letter was sent out over 30 days ago and credit report has not been updated with any information, not showing any items have been updated with final result, Items should be removed at this time going over the allocated time of 30 days. This should be done immediately by credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is not supporting its credit freeze online application or its fraud alert service. I have tried for 2 days to access both. When I invoke the links from its website, the link takes me to blan k pages that say the application processes are " loading '' after 5 minutes at each page using 2 browsers : XXXX and XXXX, nothing happens. I 'm hoping you can do something quickly, since the data breach at XXXX has called into question the security of all my private information.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$25000.00} and XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$14000.00}. Please remove.

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 2022-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
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 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 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 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 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 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 2021-02-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a statement saying that the bank citizens one did not receive my XXXX $ Monthly payment for the month of XXXX. I never even opened an account with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has repeatedly tried to collect on a debt not initiated by me. It currently shows 'opened ' XXXX XXXX, XXXX with a balance due of {$1100.00}. 

They have re-aged someone 's debt that they originally attributed to me in XXXX. The original debt occurred more than 7 years ago. The address is not mine and the credit cards seems as though it was originally for a business account. 

I contacted PRA through my lawyers. 
They sent my lawyers documents regarding the debt being owed but not of me originating it. I have a common name but I never had an account with PRA. 

PRA has misrepresented and repeatedly 'corrected ' it to the credit reporting agencies on many occasions since I first noticed it and started disputing it. 

Now, the original owner of the debt is listed as XXXX XXXX. I currently DO have an account with XXXX XXXX that is not and has never been delinquent. 

Several times PRA 's erroneous report has been removed from all 3 of my credit reports only to reappear AFTER the allotted legal deadline. Once it appeared 4 months later! 

I am ready to go forth with a full fledged lawsuit but understand that I should ( must? ) file with CFPD first. 

I need Portfolio Recovery Associates to submit a removal to all 3 credit reporting agencies immediately. I did qualify for the class action lawsuit against them but declined not realizing PRA was still practicing their unlawful tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We traded in our truck back in XXXX to XXXX XXXX dealership. They sent payoff to GMFinancial and was told that the check was cashed by them as well as the dealership and the loan was paid off. A month or so later and the loan was still not showing as paid off and we continue to receive collection calls/letters. XXXX XXXX sent over proof of payoff and the check being cashed but STILL months later, the lease is still showing not paid off and we continue to get letters/calls and negative credit reporting. I have went above and beyond trying to get this resolved but when you contact them, you get a person who has no idea what they are talking about and you can NEVER speak to a manager or someone who knows what is going on. I have been patiently waiting over 3 months to have this resolved and no one has been able to help me. Please please help me, I am at a loss of what to do and this is not a fair business practice at all!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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 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 non-monetary relief
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: NE
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: Problem getting your free annual credit report

Complaint:
Hello, my name is XXXX XXXX and this will be my 3rd attempt trying to pull my credit report and my credit file from Equifax on XXXX. I have uploaded the last screenshot of my attempt. I have been reaching out to Equifax. I recently sent over an identity theft report as well have been trying to pull my credit report and they have yet to respond. They say reach out to them at the address but they are not responding to anything at this address within the 30 day time frame. I am reaching to get assistance for my credit report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this account I have never opened up anything in my name and I dont know what the charges are for I have never applied for anything back in 2014 and at that time I was XXXX so I dont know why I am being charged something that is hurting my credit I am just now trying to get my life set up and I come to find out that I have been falsely charged for something that was unaware to me I was a minor in 2014 so any charges against me should be taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dear reviewer, When I was going to borrow a house to buy a house, my agent told me that I had a debt collection from the ( waypoint resource group ). I immediately inquired about the specific process of this matter. First, I contacted in the first time. Waypoint, paid the fees and learned why I have a debt, the thing is like this, waypoint told me that XXXX XXXX charged me a network fee, but I did not pay, specifically because I moved to a new house to close The XXXX network service was in XX/XX/2018, but they charged me the network fee for XXXX, so I confute the fee to the credit card company and provide proof, because I paid with the credit card Automatic. Within 30 days, the credit card company refunded the comcast to charge me for the fee of XX/XX/2018. All this is because XXXX is not willing to admit that they charge me more than one month, and I didnt know the comcast when I moved to the new home in XXXX. Directly pushed me to the debt collection company, which made me unable to deal with this matter in time, I have never defaulted on any Yes, my credit history has always been good. I wont ruin my credit for XXXX XXXXAt present, I can only pay off the so-called debt. Please check my credit history. I have always been on time. The person who pays, I don't want your company to not believe my credit because of this, let me pay more interest, thank you for your patience to read this email!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation