BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband and I opened new joint checking and savings accounts with Capital One between XX/XX/XXXX and XXXX XXXX. Over the next month, we began transferring our funds from our other banks ( XXXX, XXXX, XXXX ) to Capital One ; the sum of those transfers was appx. {$15000.00}. 

After our wedding in early XXXX, we virtually deposited multiple checks we received as wedding gifts totaling ~ $ XXXX without issue. Over the next few days, we received email confirmation that the checks had been successfully processed. 

On XX/XX/2023, we received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity ... Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' We spoke with a customer service representative that day ( XX/XX/XXXX ) who told us our account had already been closed but we were not told why. Over the next month we called multiple times and left at least 2 voicemails at the number sent via email email but did not receive callbacks. We received a letter from Capital One around XX/XX/XXXX stating that one of the checks we attempted to deposit was flagged as " altered or fictitious '' so we assumed this was why our account was closed. ( We did not alter the check and have the original check still, which appears to us as normal. We also contacted the person who gave us the check who said it was flagged by their bank as well and they were unsure why. ) However, we have still not received further communication or our money back from Capital One. 

Today ( XX/XX/XXXX ), we messaged Capital One customer service at XXXX and got ahold of a representative who gave us a direct service line. The person we spoke to told us that our account had been closed but did not state a reason but that we would not get access to our money until our account had been investigated. She told us that an investigator had not yet been assigned to our case. She was not able to give us any information about when we would be able to access our funds or information about when an investigator would be assigned or when the investigation would be complete. It has now been more than 3 weeks since our account was closed and we have no idea when or if we will be able to access our money and no specific contact point within Capital One to track this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Hameroff Law Group, P.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I found out about this judgement when trying to apply for a home loan, mortgage lender advised me to contact the court with this Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Investment filed in XX/XX/XXXX, left message on Court voicemail XX/XX/XXXX. I need to get a release of judgement

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 2019-09-13
Company: BTH Management
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted XXXX XXXX XXXX on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the 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 2023-03-24
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Beginning in 2020, during the height of the pandemic, Citibank has repeatedly decreased my card limit on my three credit cards I currently have active with the company. One card 's limit was reduced more than 40 %, thus drastically affecting my credit score due to my credit utilization rate increasing. Shortly afterwards, my two remaining card 's limit were also reduced and the reasoning was due to my credit score ( which only dropped because of the credit limit decrease of the first card ). I've experienced limit changes more than 5 times in two years. I recently requested a payment extension due to a loss of income and hardship and was told Citibank does not offer any type of payment arrangements or deferments whatsoever.

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 2022-01-24
Company: Experian Information Solutions 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 XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, XXXX, EXPERIAN ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2020, after contacting XX/XX/XXXX andXX/XX/XXXX from XX/XX/2020 through XX/XX/2020 ; I Contacted the collection agency to verify the debt and balance, date open etc. are accurate. The company first they investigated my dispute with the original creditor ( In which I will provide proof of all correspondence. This company is still reporting a balance when the account was said to be charged off and reporting negatively on my credit report XXXXXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX. i would like to have matter investigated and removed from my credit report. the company also informed me that they had sent the debt back the original creditor but yet they are still reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
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: Their investigation did not fix an error on your report

Complaint:
Last month I pulled my credit report and noticed many accounts that on are inaccurate or do not belong to me. 
I sent Experian letters on XX/XX/XXXX2022 asking them to not only verify these accounts but to produce proof of the method of their investigation. 

Below I attached letters sent to this company on XX/XX/XXXX ( estimated time of arrival XX/XX/XXXX, mailing receipts showing when they received the letters, the 2nd set of letters stamped and signed by a notirized official and a mailing receipt for that as well.

Experian did not verify these accounts- 1st violation. 
Experian did not update the status of these accounts to under dispute by consumer- 2nd violation.

Experian did not provide their method of investigation- 3rd violation The only update I see to my account is that Experian added the same collection to my account TWICE! This is illegal. I asked them to verify XXXX Retail XXXX account and they ignored that request but on XX/XX/XXXX they added the same collections account to my report under XXXX XXXX XXXX XXXX It is illegal to have the same account posted twice but under two different names!

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a paid charge off under the name XXXX XXXX under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!

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 2022-01-19
Company: Experian Information Solutions 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:
I reached out to XXXXXXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across XXXX bureaus Experian, XXXX and XXXX. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit XXXX 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I SENT IN DOCUMENTS THAT PROVE THAT THIS ACCOUNT IS NOT MINES AND TRANSUNION IS THE ONLY CREDIT BUERAU THAT IS REPORTING DIFFERENTLY THAN THE OTHERS. 

THIS ACCOUNT SHOWS THAT IT WAS CLOSED IN XXXX BUT IS REPORTING LATE THE FOLLOWING MONTH HOW CAN THAT BE WHEN THE ACCOUNT HAD CLOSED 45 DAYS PRIOR. 

FURTHER MORE I REQUEST THAT 15 U.S. CODE 1666B - Timing of payments be followed since this is the law and transunion along with this company is breaking the law.

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. which they do not have because this account is not mines.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Several laws have been broken by both companies and Transunion 's response ( which I have attached along with my original FTC Identity Theft report ) proves they are deliberately breaking the law by using the E-Oscar system to verify my debt when i gave directions that i do not want the debt verified by E-Oscar system but instead a physical human and 2nd by not removing the alleged identity theft in 4 days when i sent in the information that legally proves that an identity theft occurred and then by adding information in my credit report that contradicts the same account.

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 2023-05-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I Have no knowledge of this account, XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states NONE of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 explanation
Consumer complaint received 2023-12-07
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My mortgage servicer offered me XXXX and reduced monthly payments during Covid-19 because I was quarantined and unable to work. I was promised a modification at the end of the pandemic. Instead, they conducted a Net Present Value test which indicates my house has increased significantly in value since my original purchase in XXXX. They have denied all modification reviews and now demand I make all back payments in full immediately. They suggest short sale or deed in lieu of foreclosure if I can not pay {$52000.00}. I believe they see an opportunity to cheat me and make a large profit because the value of my house is not relevant to what I owe. 

When the Homeowners Assistance Fund was created to help homeowners who were financially affected by Covid-19, my mortgage servicer encouraged me to apply but after working with HAF counselors for over six months with assurances that my application would be approved, I was suddenly denied because I had gone over the XXXX XXXX XXXX Conforming Loan Limits when I refinanced my house in XXXX from a 8.25 % rate to 2 %, even though I have a conventional loan, not a XXXX or XXXX loan. 

I need help communicating with my mortgage servicer to negotiate a plan to make the back payments. They refuse to offer a repayment plan at all. They see a tremendous profit if they can foreclose on my house, I hope that CFPB can help me to stay in my house.

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 2023-09-01
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
First off, Roundpoint is a dreadful company and should not be in business. I would NEVER do business with them if I had a choice. The only way they can get customers is to buy mortgages b/c no one would use them otherwise. Months ago, I questioned my escrow " shortage '' b/c they jacked up my mortgage by 15 % a month. It took them months to respond to tell me -- it's right, get over it. Then just last week I got a refund because they overestimated. Imagine that! 

Now, I log in today, XX/XX/23 to make a payment on my loan, and they have auto pay turned on and no way to edit it! I did not turn that on, and when you click the edit button, it's grayed out. I've never missed a payment, never been late. When you call, you can't get a person. They don't have a chat feature. They have a " request call back feature '' and they don't return calls. 

I want auto pay turned off and I want the ability to choose who services my mortgage.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been XXXX  in the XXXX  XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX since XX/XX/XXXX. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to Synchrony Bank regarding the Home store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. Where the company said that my personal information match and denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account while being XXXX  for the past 14 years, they haven't sent any credit card to a XXXX. Any address on my credit report is a result of my Identity being stolen. This account has already been deemed fraud by XXXX XXXX XXXX, XXXX on XX/XX/XXXX when it was sold by synchrony bank. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent nor authorize any person or company to benefit from my credit. As a consumer I requested proof of claim for the account listed below and the company failed to answer my request. 

Account Name. Account number US Dept ED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief