BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
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 was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed

Company response to consumer: Untimely response
Consumer complaint received 2021-02-04
Company: AES/PHEAA
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:
I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after about 6-8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to the Cfpb. 


So, over the last 6-12 months, I have been active in disputing XXXX/XXXX XXXX Account # XXXX XXXX/XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 


XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 


Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed FEBLOAN Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover the payment history is in error and I have tried to dispute with this with Fedloan and XXXX but to no avail they did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A payment was made to XXXX XXXX on XX/XX/18 that they forwarded to Loancare on XX/XX/18 with the sale of our loan to loancare. This was not credited to my account until XX/XX/18. I paid Loancare on XX/XX/18 by phone. This payment was credited to my account, but for the previous month ; because, until XX/XX/18, they had not credited the previous payment from the previous bank ( XXXX Bank ) to my account. 

On XX/XX/XXXX, I sent an automatic payment from my bank in form of check to Loancare. They cashed it on XX/XX/18 and did NOT credit it to my account. 

My account shows 30 days past due and is reporting negatively to my credit record. 

My husband and I have been calling Loncare for nearly 3 weeks and they still will not credit our account or correct the negative reporting, despite proof of all payments being sent to them. 

They sent notice on XX/XX/18 threatening foreclosure on our home. 

I have sent every document that they have requested.

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 2020-01-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern : I am experiencing credit reporting fraud and financial fraud from my current lender PHH mortgage, housed under XXXX XXXX XXXX. I have been referred to an off-shore call center " case-manager '' since XX/XX/2019. Following all rules for their home loan re modification program, I paid as agree X6 months of partial payments in order to qualify. As of XX/XX/2019, I was inform that the trial payment period had ended and I had been approved for a home loan excluding the Melaroose charges previously embedded in my original FHA loan, this maintained my monthly payment at {$1600.00} of which I have paid consistently since XXXX of the finalized and signed agreement. Although I have been told that the new modification agreement has been accepted, I have been told that my loan is still not " finished ' and " awaiting on the investor ''. Although I was told, that my credit would only be affected for the period during the trial modification application, my credit report has received negative credit reporting for over a year. This has affected my ability to receive credit to pay medical bills, finance my car loan at reasonable rate, causing me to take out even larger loans with higher interests rates in order to pay for childcare. PHH mortgage has not followed up on my inquiry nor has offered any solution or END to destroying and damaging my credit, despite representatives on the phone promising to " reverse '' the negative credit reporting. Instead of helping my as a client, PHH Mortgage is destroying my families financial well being and also causing stress and hardship. This is the end inquiry made to the CFPB and over a year of attempting to resolved this issue directly with the company. As a hard-working XXXX XXXX  XXXX, I feel so abused and taken advantage of by this company which insists on cashing my checks every month without any regard to cleaning up their mess as it pertains to this loan or the credit damage that they have caused my family. Please rectify this immediately, this criminality and unethical behavior must stop now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2019-08-09
Company: Thrift Investment Corp.
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i had a car loan with thrift investment in 2014 the car was deemed a total lost the car was damaged beyound repairs in an accident the insurance company sent a check for XXXX to the balance of XXXX and i was charged off the balance because the dealership didn't place me with the gap insurance i had no knowledge of no gap or any balance owed nor was i able to dispute or validate the debt prior to being charger off to my credit report once placed on my report i have made many attempts to remove the debt and or work it out with thrift with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX In XXXX I had 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Account Control Technology, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Collector discussed the debt with my wife without my permission. They went as far as offering her a settlement. My wife is not on the debt with my in fact my ex girlfriend is. They also did not verify my wife 's identity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express and XXXX mailed me an offer for a new credit card. I would receive XXXX XXXX miles after charging {$3000.00}. I made all the charges on time and Amex would not give me the bonus miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CITY NATIONAL BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a statement credit when I closed my account with City National Bank and I was told by the representative that this overpayment would be refunded via check. This has not occurred in over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I reached out very recently, I believe early last week to the bank that manages this Care Credit, credit card for assistance and was given a bit of a difficult time. I had opened up my bill for the month and noticed that I had suddenly got hit with {$86.00} worth of interest in one month! I was in shock. I have been carrying a balance for a while and making payments with the exception of I think skipping two, due to the Pandemic, as most had done in the early spring of this year. 
About a year ago, in XXXX of XXXX, I had been in a difficult situation as I was getting hit with one offer after another expiring on XXXX bills and getting hit with a massive amount of interest all at once. I was totally overwhelmed and reached out for assistance. I worked with someone in the Corporate office I believe who changed my existing balance at the time, over XXXX I believe to a very low interest rate. This helped enormously. Interest was waived as well, a massive help at the time. I was also told and this is very important due to the nature of this complaint that if I used the card, for a new purchase, I would not be charge at the highest interest rate which would make it impossible for me to use the card. It would be totally separate from the older balance that was already adjusted. I am not sure exactly of the arrangement but this is the best of my knowledge. After that arrangement, I didn't use the card for some time and was making payments. I had planned on not using it for a long time as I worked to pay down the debt .Then suddenly, we had an emergency for one of our pets in XXXX of XXXX. The cat had to be brought to several doctors and specialist and unfortunately I had to use the card for almost XXXX XXXX dollars. There is no way I can pay this debt down if I am being charged {$86.00} per month. I won't get anywhere. I did speak with a rep and a supervisor early last week and asked to speak with the person who originally made these arrangements. I had her name. The rep gave me a hard time so I had to escalate the call to a supervisor. the supervisor clearly seen who I had been dealing with, as notes were there at she said she would contact this person for me. I never heard back and it is going on one week.

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 2020-09-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had initially filed a complaint with the CFPB on XX/XX/2020 ( complaint # XXXX ), to which the company respondedthat the {$1000.00} promotional credit will be honored withing a 90 day time-frame. 

The promotion involved depositing {$50000.00} which I had completed on XX/XX/XXXX. a 90 day period ( ended XX/XX/XXXX ) has passed. 

I am attaching a letter from CitiBusiness dated XX/XX/2020 which indicates that I have indeed met the qualifications for the promotion. To quote : " We have confirmed that your account has met the necessary requirements to qualify for promotion XXXX. Please allow 90 days from the date the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. Thanks for your inquiry. '' As the promised time has elapsed I have reached out to the branch manager of CitiBank at the XXXX XXXX NY location. She responded that the " back office '' is the one to issue credit but did not provide a way to contact them.

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 monetary relief
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.

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 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I been having the same issue with Capital One, about two years ago my wife paid off the whole balance with Capital One and Capital One charge interest on a XXXX balance, the {$11.00} dollars they charge as an interest turned out to almost {$200.00} when we found out later because they never send us a notice and now is happening the same thing I have a XXXX balance and they already charge me {$10.00} and on my wife account that is a {$8.00} interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-01-22
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I noticed that my account with Pnc had a XXXX balance the day before XX/XX/2021 I had XXXX $ in my account I later found out they closed my account and froze my money say it was an issues with verifying my information I had the account for a month now me nor the banker that opened my account received any notice prior saying it was something wrong with my account I went to the branch I opened the account and the banker spoke with the department it turns out it was a typo in my social he asked if he could fix the error and keep my account open they stated no so he asked if my funds could be released they also stated no I had to wait on a cashiers check which is a big inconvenience seeing nothing was fraudulent on my account and it was a bank error not mines so they punished me for it and closed my account leaving me with no access to my money and I have bills and a family to take care I asked to speak to a supervisor they said I couldnt and it wasnt nothing more that that could do for me that Pnc bank has the right to discontinue business with me even though Im not at fault now Im suffering with no money at all Ive called all the departments still no help or my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Square Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On approximately, XX/XX/2021, I send an email over to CashApp Support, regarding a problem of unauthorized charges made to my account. I was instructed to reach out to the company to try and resolve the problem. Upon doing such I was told by the company, ( XXXX XXXX XXXX ) that I would be receiving a refund so that I did not have to bother with finding a claim anyhow since they were unable to provide service and the account was deemed cancelled. The woman stated that it would take 3-5 business days to cancel and depending on banking policy I'd receive refund. However, that never happened, so I then sent another email to CashApp Supporting trying to explain what happened and they assured Id be hearing form someone else to open the case and get things rolling. Here it is XX/XX/2021 and still nothing had been done. Although, I did advise that I would contact the OCC. However, the OCC website appears that they are not governed by them. Rather the try the FDIC I started with this per web description on the OCC. I explained that there was nothing I signed and that I did not authorize the transaction and for them to proceed accordingly getting back the funds and here we are. I have more emails I am just not able to access them right now so below you will find screenshots of the emails I was able to get off my phone. I can send more including the initial email regarding the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: MRS BPO, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello.this is the second time XXXX, has allowed the same person, at the same address to open an account, in my name .first time debit was trying to be collect by ... .XXXX XXXX XXXX ... I filed a police report ... stating it was fraud ... .and now same address and apt ... they did it again ... and now MRSBPO.Has acquired it ... different dollar amount..XXXX XXXX XXXX wanted XXXX.and mrsbpo wants XXXX none of which I owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief