BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX, my card was stolen while in transit, and since Capital One did not have proper security measures, my credit card was activated and money was withdrawn twice. {$20.00} was charged to me in withdrawal fees and {$0.00} interest was charged to me for the withdrawal by the bank. A month later the investigation completed and my account was cleared. The hundreds of dollars of charges impacted my credit utilization. I lost my brother during this time, and instead of grieving I spent hours on hold trying to get back {$0.00} and didn't get it removed until XXXX. I reported the fraud to XXXX, and capital one is disputing it, stating that there " is '' no fraud since it happened in the past. They are lying stating that they have no record of fraud. Furthermore, by charging me interest for the withdrawals, they are profiting off of fraud and committing fraud themselves. 

Capital One needs to implement mainstream and normally-practiced fraud prevention measures, and also should not spread false information about real events and practice fair reporting. This is a violation of the FCRA as it interferes with my ability to verify and ensure credit report accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Siggi LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got a loan through omni financial and they put an allotment in my account they told me I had to do an allotment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: MI
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 gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on 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 2017-04-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid for XXXX using CareCredit credit card and was promised a 0 % interest over 18 months. It has been 16 months and the company has charged me 14.75 % interest on the total cost.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: OR
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 believe I am a victim of Identity theft there are multiple accounts that are on my credit report that I did not open or authorize. I really don't know anything about credit until I recently check my credit report and seen these fraudulent accounts. I am just confused how someone can open accounts in my name Without my consent or authorization Please look into my investigation Thank 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was never notified of derogatory reporting on my credit report from Target Financial. I was never informed from Target Financial of the lateness reported on my XXXX credit report for XX/XX/2017 and XXXX XXXX XXXX. I was never informed that the status was updated to discharged in bankruptcy. These are violations of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). Im seeking {$3000.00} in damages, removal of the account from XXXX and XXXX, and an agreement of no re-insertion to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2015 I started working for this company as an XXXX XXXX and required to stay on property. While working I became very ill and it cause me to go on XXXX. Still being employed with this company I tried my best to come back to work, but my doctors wouldn't permit it. I was terminated but not without this company continuing to pay me XXXX for 2 years plus. I wrote a letter to the property manager at that time to let her know that I will no longer be staying on property due to the termination. It was approved and due to me working there I didn't have to sign a lease like a new resident. Once my XXXX stop 2 years plus later, I started receiving letters stating that I owe {$1400.00}. This is false and I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: VA
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: NY
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:
My social security number was stolen from me and accounts were opened in my name. There is one more account that was opened in my name that wasn't me. Please remove the remaining account. I have attached my federal trade commission report along with any other supporting documents. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I refinanced our home in XX/XX/XXXX by way of a {$70000.00} simple interest note from XXXX XXXX, which later became XXXX. Servicing was transferred to XXXX and finally to Ocwen. My wife recently passed away and I am on XXXX from the XXXX. Nonetheless, I have never missed a mortgage payment. The loan has very rarely been late and, if so, only a few days. Often its paid a few days early. 

The promissory note says : I will pay this loan in 240 payments of {$560.00} each payment. My first payment is due XX/XX/XXXX and all subsequent payments are due on the same day of each month after that. My final payment will be due on XX/XX/XXXX, and will be for all principal and all accrued interest not yet paid. I am told that despite making all my payments timely under the note -- - I will still owe around {$5000.00} after making my last scheduled payment in XXXX. At one point, the payment due date changed to the XXXX of the month. 

I telephoned Ocwen in XXXX XXXX and requested a payment history. I am uploading the following documents : a ) mortgage b ) promissory note c ) XX/XX/XXXX letter from Ocwen responding to notice of error d ) Payment history provided by Ocwen I believe one of two things have happened : This loan was at one point, perhaps when it was with XXXX, was converted to a fully amortizing loan and Ocwen failed to account for this and misapplied all the monies I paid on the loan resulting in an over collection of interest which is resulting in a principal balance that is not actually owed. Alternatively, if the loan was not converted, Ocwen may have  otherwise boarded the loan incorrectly with flawed data when it acquired it or maybe when it changed the due date. Or maybe it has made some other mistake. Whatever the case, I made all the payments as required but I am told that I will still owe {$5000.00} or so after making the final required payment. 

Please process my complaint and help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.I contacted the collection agency during XXXX and XXXX for all these closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my XXXX, XXXX and XXXX account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.

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 2017-03-01
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Receivable Performance Management did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature

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 2021-09-12
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am attempting to purchase a home, and each time a lender checks my credit report, my score goes down. This is an unfair, fraudulent practice that punished people for doing their research and shopping for the best possible rates and loans. Credit reporting agencies should not be allowed to punish me for asking to view/share my credit 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 2019-03-09
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: Information belongs to someone else

Complaint:
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX 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.

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 2019-11-05
Company: Aargon Agency, Inc.
State: NV
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:
In XXXX of this year I obtained my credit report and found there was an account listed on my report for XXXX XXXX in XXXX XXXX. 

I was a patient there, on XX/XX/XXXX which I later confirmed through the hospital / via email. Since then I filed a dispute with all three XXXXXXXX, XXXX and XXXXXXXX as they appeared on all three reports. The information was supplied to all three by Aargon Collection Agency, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My subsequent dispute was simple, the debt should have been removed as it was XXXX years years old. I had to for the 2nd time dispute different information with XXXX, as they had my Birthday and name incorrect. I was born in XXXX, XXXX had my Birth year as XXXX, and my name as XXXX XXXX, they added my middle initial to my first name, ironically making me a female ( XXXX ) is the female version of XXXX in XXXX and in many XXXX XXXX   families. 

Both XXXX and XXXX removed the XXXX account XXXX   did not, and in-fact verified the information as " accurate '' I don't know how they could claim the information was verified as accurate. I filed another dispute with XXXX  via mail, provided the information from the original creditor ( XXXX XXXX ) a copy of my social security card, my Nevada Identification ( Real ID Version ) and a copy of my W2 to confirm the address. Again they came back and stated " Verified and accurate '' with the account being opened in XXXX of XXXX. Approximately a week later I received a form letter stating " I would have to confirm my address, and my identity before they would send any information to my address ''. They did not ever read my correspondence everything they asked for to " confirm my identity '' was already included. 

At this juncture it's painfully obvious that not even the minimum " investigation '' was performed, no one ever read the letter. The debt is being re-aged plain and simple. I would think when the original creditor confirms you were not even a patient there during their stated time the account was " opened '' would be considered prima-facia evidence nothing is being done correctly.

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 2023-02-01
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2019-11-05
Company: PNC Bank N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I moved from XXXX to XXXX, and in doing so would no longer be using PNC bank. There is no physical location in XXXX and it would be inconvenient to use. I had to keep the account open after my move to get the final direct deposits from my employer in XXXX. Upon knowing I would have no more money moving into the account, I emptied the account to {$0.00}. 

I then received a letter in the mail dated XX/XX/19 stating that my account was overdrawn. In looking at my account, it was overdrawn because PNC charged a monthly fee of {$15.00}. I had never had a monthly fee hit my account during the 5 years of using PNC. I called PNC on XX/XX/19 to close my account and was told that I could not close the account until it was brought to current status by making a deposit. I was literally in shock to find that the bank would charge me for having an account with nothing in it. While the customer service representative I spoke with on the phone was very nice, I was informed that to speak with a supervisor about this I would need to escalate my complaint and they would call me back in 24-48 hours. This was completely unacceptable as I was trying to fix this situation and was only told it would be dragged out. 

I understand being held accountable for overdrawing my account, however I did not overdraw my account. In an attempt to close the account, I was told this charge was valid and could not. I don't feel this is how banks should operate and want my account closed, as I will NEVER use PNC again. The policy that they have in place regarding this predatory and harmful to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
There are credit inquiries that i want removed Immediatrely.These accounts were never given my permissible purpose to furnish these accounts, furthermore they infringed upon my rights to privacy in pursuant to 15usc 1681 ( 4 ) these corporations have caused damage to me mentally and financially.Which is said in pursuant to 15usc 1681 ( 2M ) any transaction or experience should be excluded from my consumer report.THESE BANKS and lenders has also violated the billing error practice act in pursuant to 15usc 1666 they never gave me the right to opt out and are not reporting accurately i want these inquiries removed immediately as they are identity theft.I do not want my account closed i just want the inquiry deleted off my credit report.

Company response to consumer: Closed with explanation