BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received an email notification that my SSN was used to open a bank account at Capital One. I immediately contacted Capital One, after I confirmed with XXXX that my credit was indeed locked and inquiries are frozen and can not be obtain, and learned that indeed someone at capital One opened an account under my name and SSN. 

When inquired about what type of account, how and what information was used to verify and authenticate the person that performed such task, I was that information can not be provided and I should contact the credit bureaus. 

I am deeply concerned about capital ones efforts and processes that led to such account opening under my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Bayview I am requesting your assistance regarding my owners policy with XXXX   XXXX XXXX XXXX ( order number ) XXXX XXXX XXXX has provided a conflicting document to a third party. XXXX XXXX XXXX has repeated this for more than 5 years. XXXX XXXX XXXX conflicting litigation guarantee to third party XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX repeated stated no document exists by email. However it turns out the document was given to third party XX/XX/2018 by XXXX California. The conflicting litigation guarantee - a direct conflict to lenders policy XXXX ( order number ) and owners policy which neither has elapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent in Identity theft letters, reporting this and its been well over 30days. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate.

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 2019-04-11
Company: EQUIFAX, INC.
State: WV
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 called several times and spoke to XXXX XXXX and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
There has been an unauthorized transaction of XXXX to XXXX in venmo account. I reached out to venmo support team and did not do anything to handle the issue.I have did some personals investigation of the user on the other end and many people have reported this user. I have reached out to many users that had problem with this other user they too have reported Venmo about this. Venmo instead froze my account and is threatening to send me to collections If i do not pay the XXXX to the other User

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion was sent various letters regarding their investigation process and violations that appear on m personal credit report. Personal information was also erroneous and was updated only after requested. This includes wrong names, addresses, phone numbers, and open dates on accounts. Amounts owe on accounts were in error across all three credit bureaus. The status of accounts was incorrect as one account was closed and reopened as active. Transunion sent a stalling letter as a response to a letter sent to state how they verified the information in my personal credit. Currently, there has been no response to this letter. Letters were sent to XXXX and XXXX to address the investigative process according to the law

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 2016-08-22
Company: Cottonwood Financial Ltd.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was and still unemployed on XXXX/XXXX/2016 with unemployment income. Took out a loan with the Cash Store in XXXX, WI on XXXX/XXXX/2016 in the amount of {$290.00} with an interest rate of 519.98 % {$540.00} in finance charges.They have been blowing my phone up at least 2 or 3 times a week 3 times in a row. I have not attempted to pay back due to the ridiculous high finance interest rate and I ran out of unemployment income before the loan contract ends what can I do.

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 2023-04-26
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Some unknown suspect applied for a credit card in my name that I did not give my permission to establish this is the result of fraud and identity theft I reached out to the company and they made no steempt to investigate this or remove this fraudulent item from my report 30 days has well lapsed since I submitted this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2018, I was advised that because of a freeze on my credit data reporting by Experian, a prospective landlord and XXXX XXXX XXXX XXXX in XXXX, CA could not check my credit. I had placed freezes on all 3 credit reporting agencies after the XXXX data breaches a couple of years ago. I have my Freeze PINs so I logged onto Experian and followed their directions to remove the freeze, but I have spent several hours at it and keep getting a message that they are unable to do it. I tried calling the telephone number at which I am supposed to be able to remove the freeze, but the robot voice only offers the option to place a freeze, but not to remove one. I've been at this for hours and have been frustrated at every attempt. I can't reach a human being at Experian of get their processes supposedly in place for this to function. I can't even get into the XXXX website.

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 2020-12-02
Company: Experian Information Solutions Inc.
State: GA
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:
For : XXXX, XXXX, Experian -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX, GA XXXX < -- -- ADDRESSES NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Balance {$16000.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$14000.00} Account Status CHARGE-OFF XXXX XXXX XXXX XXXX Balance {$760.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$760.00} Account Status < -- - ALL ACCOUNTS ARE NOT MINE. FCRA violation. Failure of 45 days to settle.

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 2022-07-15
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting phone calls from this place stating it is a debt for a medical bill that I have, I have asked them to stop calling multiple times, and they continue to keep calling me and continuously calls multiple times a day and they still will not stop calling me. I have told them I'm not working and yet they keep calling and asking me when I will pay and how I can pay and if I have a family member that can help me settle the debt. Uncalled for. 

XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call XX/XX/2022 call and says we will try later when I tell them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Account information incorrect

Complaint:
Equifax has me locked out their credit reporting site because a XXXX didn't like my XXXX and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX  are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section XXXX, XXXX, XXXX and XXXX. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Investigation took more than 30 days

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am filing this complaint in regards to the company Onemain financial. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$3000.00} }. Which is at 29.97 % .Since then I have paid a total of { {$730.00} } and as of today XXXX XXXX my balance has only decreased by { {$190.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. Also I reached out to them on multiple occasions through mail and phone and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and this company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$540.00} } which is unfair but not even that only { {$190.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$3000.00} } at 29.97 % .Onemain Financial is still saying I owe a sum of { {$2800.00} } .this is malicious and deceptive practices. OneMain financial is also also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on EQUIFAX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number EQUIFAX kept saying the investigation stated that the account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: PLANET HOME LENDING, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Our home was and neighborhood was directly impacted by an F3 multivortex tornado clocked in at 166mph that severely damaged our home, that of our neighbor, and killed a XXXX old man who was sheltering in his home. Our insurance company was immediately made aware and a claim was filed. The insurance proceeds were sent to our mortgage lender on XX/XX/XXXX to set into an escrow account of funds would be released to our General Contractor for repairs. The first check was sent in the amount of XXXX for roof repairs which were completed in in the first week of XXXX. The inspector was notified by the mortgage lender and arrived on XX/XX/XXXX the estimated completion percentage at the time of the mortgage inspector was roughly 35 %. The second check was released in the amount XXXX for second wave of repairs to in the side of our home. Check was deposited and withdrawn by our GC, now we are pending lights and gas permits time frame unknown. During the time that mortgage company had reluctantly not released the adequate amount for funds our home to be repaired, out home had taken in more damage then what was done by the tornado. The mortgage company has refused to release the rest of the funds until we can reach 95 % percent completion of the home but we are not able to due to funds being released and or the amount is not substantial enough for the repairs to be done. We had to be relocated to another home for the time being until we can move back into our home. Our now estimated time of completion of our home is now XX/XX/XXXX due to the mortgage company not releasing enough funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
8 Years i cant get a NEW Credit Card becuse of my Credit Burrow File -- -- -- - I live in XXXX XXXX and Cant Contact the Credit Burrow from Forign Country Can the Credit Burrow Please Remove the Consumer Allert Telephone Number in my Credit File so i can Get a New Credit Card -- -- -- -- -- Appying Fore a Credit Card company wants two CALL my Phone number in the Consumer Allert File in The Credit Burrow -- -- -- -- The 3 Credit Burrow Experian XXXX XXXX and XXXX   could not Verify me so 50 Times I mailed 3 Forms of ID two Experian XXXX XXXX and XXXX never Help me and respond send ID agin -- -- -- -- - 5 Years i live in Forign Countries and Cant Call a BANK XXXX number Requires International long Disatance cost XXXX dollers a year two Call a Bank -- -- -- -- Im a Refugee and there is no Good way two Contact the Credit Burrow from a Forign Country mail may take months -- -- -- -- -- - I should Not Send coppy of my ID from a Forign Country -- -- -- -- -- -- -- -- - 50 Times I contact the Credit burrow that no bank can Verify me two Open a New Bank Acount

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The bank, Bank of America, has changed the auto pay system and removed my autopay external account, the account was defaulted because of this, I was not able to access the autopay system to remedy the situation. I had to be on the phone in a long wait to make a payment by phone and even after this payment was honored by the second bank did not credit to may credit card account and I received a new statement with an outstanding balance. Not the first time this bank technical problems prevented me from making transactions with other banks. They do not honor external transfers and change the system with migration errors.

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 2022-07-15
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Received a gift card for XXXX in XXXX. Immediately realized the gift card had usages back in XXXX while the card was still wrapped in a few California businesses XXXX the card was bought and we live in North Carolina XXXX XXXX 

Submitted a dispute at the beginning of XXXX. Submitted all relevant documentation. Was notified there was a 90 day wait before they could follow up and issue us a credit/new card/whatever. 

It has now been more than 6 months and not only have we not heard back, we have emailed them back several times. I also spent a large part of today and yesterday looking up how to contact them via phone : https : //www.incomm.com/contact-us/ As you can see, there is 0 contact information on the contact us page. If you browse the web enough, you will see a number ( XXXX ) XXXX. I called this number, tried to talk to operator, and could not get anyone. I called it again, and tried to go through the credit card help line and was hung up on every single time I entered in my card information. 

The team is still XXXX, still advertising their products, but has completely removed all support lines from their website and their seems to be no support being given to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was bought by Mr. Cooper in the first part of XXXX. It has been nothing but a nightmare since they took over. They can't seem to figure out their bi-weekly auto pay. The first 7 times I called in I had an automated message tell me they are to busy to talk to me and then it hung up on me. Seven Times! I have never had to work so hard to make a company take my money. I have had to call every other week since they have gotten their hands on my loan. Did I mention they want to charge {$20.00} to take a payment over the phone? or that they want to charge {$2.00} to auto draft a bi-weekly payment? I am at the point were I am just going to refinance even if the rates ar n't quite as good just to get away from these guys. If you have the option don't deal with them. They are super rude and kind of shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing all late payments with this company for years even hired a credit repair company was charged hundreds of dollars, they even disputed the late payments and they never enemy responded to the disputes and they have damaged my credit tremendously, they even whet into my wifes account and took an unauthorized payment out of her account only because she had used her account previously to make a payment for me, this caused her account to be seriously overdrawned

Company response to consumer: Closed with explanation