BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
my card has been declined for " suspicious '' purchases and they are not able to prevent, or remedy the problem. I've worked with them multiple times and after excessive hold times on each call, it continues and can't seem to be fixed. 

Each time I call it's a different excuse. 

This started in early XXXX of XXXX and has occurred in XXXX, XXXX, XXXX of XXXX, XXXX of XXXX and XX/XX/XXXX. 

The purchases were for the following : 1. Pizza at local Pizza shop. ( 1 block from house ) 2. XXXX XXXX for prescription medicine and household ( 2 miles from home ) 3. Online game service using a virtual card number that was exclusively provided by capital one for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX AND EXPERIAN HAS COLLECTION ON MY CREDIT REPORT THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

ACCOUNTS THAT ARE NOT MINE. 
* The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

* The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

* The following account is not mine XXXX XXXX XXXX XXXX XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
in this complaint XXXX I discussed 2 times my accounts were closed, I asked for the money from the account closed in XXXX the response of the company was : We restricted your account ending in XXXX for closure, as we need to verify the maker issuance of multiple check deposits. Your account closed on XX/XX/2020, and we placed your remaining funds in suspense. To have the funds released from suspense, we need verifiable phone numbers for the makers of the checks I dont have the names of the checks and asked for copies of the checks so I can locate the makers and ask them for affidavits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : PNC BANK , NATIONAL ASSOCIATION, ( " PNC '' ), Mortgage Foreclosure Enclosed herewith are key stated and affirmed ultimate facts from my Appellant 's Brief for the foreclosure proceedings by PNC for which i make this complaint, ( " Complaint '' ), for your investigation of certain improprieties by PNC that have violated and impinged my private property rights as PNC is a holder-in-due-course of a mortgage on my private property located in XXXX XXXX, PA as Lot No. 19, ( " Lot No. 19 '' ), for which i have vigilantly and diligently sought with no success as follows : 1.  The assignment of mortgage documents from the original mortgagee XXXX XXXX to XXXX XXXXk to National City Mortgage to PNC ; and 2. Payment records for the Years XXXX through XXXX that were not provided in order for proving that two principal of {$25000.00} and {$20000.00} were tendered by me during such time frame as the Federal Government searched and seized my records for these payments and/or the records were destroyed when the SFR improved on Lot No. 19 was a total casualty loss by fire in XXXX. 
PNC must provide me the satisfaction piece as the mortgage debt is paid-in full. 
Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 non-monetary relief
Consumer complaint received 2023-04-20
Company: Siggi LLC
State: AL
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 reached out to these companies via the credit bureaus and I haven't heard a response back in over 90 days. I feel like I'm being ignored and punished for something that is completely out of my control. I demand that this incorrect, inaccurate and unverifiable information be deleted from my report. Over 90 days with no response is ridiculous. Why put someone through the ringer whose actually trying to get to the bottom of this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Requested in XX/XX/2020 and approved for a Consolidated Loan in the amount of {$28000.00}. Interest Rate 14.54 % of amount borrowed = {$4000.00}. However, NFCU 's interest rate calculation of 14.54 % = {$9500.00}. How? Upon complaining, NFCU forwarded an " the initial abusive interest rate Ammortization Statement '' ... is attached along with prior documents requesting a " TRUE calculation of interest rate  CORRECTION of Consolidated Loan to NFCU, XXXX, VA. The XXXX   assistance is requested in this NFCU Dispute. I've paid {$1600.00} toward this loan and over HALF of this PAID monetary dollar amount {$900.00} has GONE to INTEREST. AGAIN, how on an 14.54 % interest rate loan? Please Help. Looking at the numbers .... there is a sense THAT the calculations are incorrect. Best Regards. XXXX XXXX XXXX, XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In late XX/XX/XXXX  we had fraudulent tranascation posted against our Citizens Bank checking account. We highlighted these to the bank and filed a claim with them. The back selectively chose to refund some of the transactions but not all. 
total dollar amount of the fraud is ~ {$21000.00} USD, and the XXXX  the bank is refusing to refund total ~ $ XXXXWe filed two calims, contact the outside vendor who posted the transaciton and continue to pursue the calim with the bank. Bank claims we did not report the fraud fast enough, despite the XXXX  being only a few days before the other fruad XXXX  the bank did refund immediately. In addition, the bank never alerted us or contact us when the suspiciious activity showed in the account. Citizens bank is not a trustworthy or consumer focused bank. They do not care about their customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX XXXX, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report now.

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 2022-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THIS WAS FRAUD I SUBMITTED A REPORT ON THAT CREDIT CARD ALMOST TWO YEARS AGO AND THEY MUST OF SENT IT TO A DEBT COLLECTOR I HAVE HAD SEVERAL NEW NUMBER SINCE THEN AND NOW THEY HAVE THIS DEBT COLLECTORS CALLING MY NEW NUMBER. I WAS A VICTIM OF IDENTIFY THEFT SEVERAL TIMES AND TOLD THEM THIS INFORMATION SEVERAL TIMES. remove this from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: EQUIFAX, 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 Have Three Fraudulent Hard Inquiries on my Equifax credit Report. I originally disputed these fraudulent hard inquiries and got a letter back from Equifax that they do not have records of those inquiries which don't exist. As of XX/XX/22 I checked my free annual credit report and noticed Equifax is still reporting these fraudulent hard inquiries, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
As a loyalty customer, I used Amex card for long years. But I am very disappointed for their service. I got a promotion from Amex it said I can get 25000 points if I upgrade my everyday credit card to a preferred version which I have to pay annual fee instead of the no annual fee version. So I got their 25000 points since I finished their minimum spend requirement and paid for the annual fee. At this XXXX I got another year annual fee Charge. I already paid other credit card annual fee and used most transaction on the other card. So I decide to downgrade my everyday card to a no annual fee version. But at this XXXX I realized my 25000 points has been taken back from Amex . I called them have been told I have to keep 12 months for this card. What? This is very ridicules. When I downgrade. No one told me I have to keep 12 months for this card. I do received their 12 months term after I have been taken back the 25000 points. If anyone remind me I won't need to downgrade this card. I think I earned this points. The points belong to me. And their customer service is very rude. I need my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NY
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:
i am victim of identity theft. the information listed below, which appears on my credit report does not related to any transaction that I have made. the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: AZ
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 been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).

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 2017-04-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX accounts with Experian and each time I dispute the information they come back stating that it is my account without sending a validation of the debt.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on 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 2023-03-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC is claiming collection which i have no knowledge of must fix this Error and delete negative info of my credit bureus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Oliver Adjustment Co.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I contacted OAC in XXXX Wisconsin for a debt placed on my XXXX report for {$59.00}. The debt was placed on XX/XX/2016. The collector told me that the payment will be reported to XXXX  and the debt will be removed within XXXX business days. Today, XX/XX/XXXX at XXXX pm, I called OAC to ask them if the removal request was sent. XXXX at OAC told me that it can take up to 120 days. I felt duped and felt like they lie to me. They have no intention to remove it. At least I would like the company to update my report that the debt has at least been paid.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I just received my credit report and found this company purchase this debt from my lender which this belong to that company not me. The purchase agreement if any is between the collection company and XXXXXXXX XXXX. It clearly States debt buyer on my report. This not my account once they sold it to the collection company. This collection also not registered with XXXX XXXX XXXX XXXX so that mean I owns nothing to this collection company also the collection company don't have a sign agreement with myself. Now that XXXX XXXX sold the debt can we have report XXXX balance.

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 2023-05-26
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a combined complaint, dispute and information request letter to XXXX XXXX XXXX with the CFPB. This firm is subject to the FDCPA and according to their website they offer these services. The attorney who responded blatantly made several misrepresentations, failed to provide the facts and was extremely dishonest. Their actions diminishes the public 's confidence in the court system and attorneys at large. 

My formal complaint and reply to this company 's response is attached hereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I feel that Equifax is not scoring my credit fairly. My credit score is XXXX when it should be much higher than this. The reasons they are giving me for things that are hurting my credit are cancelled out by the things they are saying that is helping my credit. Also I have low to no balances on my credit cards but it isnt raising my score one bit. But if I use {$1.00} on my credit card, I get ding severely. Also I paid down half of one of my installments from {$1600.00} to $ {$720.00} and my scored dropped 54 points. Why did my score have to drop so much for paying down my debt? This is unfair. I feel like I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates , LLC has reported duplicate accounts for XXXX XXXXXXXX XXXX with account numbers XXXX and XXXX and I have settled this debt and XXXX is showing the account is current for every month except XXXX which is incorrect and I have letters to prove the account is charged off but the letters have account # XXXX and it is affecting me with my process to purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Total Card, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called XXXX  Visa ( XXXX XXXX XXXX ) they have a derogatory account on my credit report that they sold to two different collection agencies XXXX XXXX and XXXX. I have never had an account with this company and they are unable to find me in their system. They wouldnt provide me any assistance with this issue. The document that the collection agency XXXX provided has an address listed on there that is not a real address when you google it. I provided the company my social and the card number listed on the paper. This a fraudulent account and this company is selling my information to companies for a debt that is not owed to them. They transferred me to another collection company who isnt listed on my credit report but, wouldnt provide any additional information about XXXX  visa.

Company response to consumer: Closed with explanation