BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I contacted the company the processes my loan payments and let them know I was concerned that I might have a problem paying my XXXX mortgage payment. I then asked if I would be able to defer the XXXX payment only and attach it to the back end of my remaining loan. I was told that I might qualify for their " forbearance '' program which is only available in 3 or 6 month increments. After the 3 months all of the money that had not been paid would be due upon completion of forbearance. So now I would owe them 3 mortgage payments and I could either sign up for their repayment plans which they say would depend on my financial situation at the time, OR they could " restructure '' my loan which translates to my having to refinance my home at low market value so they can charge my another several thousand dollars in refinance fees and send their appraisal company a kick back as well. Which is assuming of course that I could even get the house to appraise for what I owe on it in the middle of the looming economic recession.

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 2020-04-28
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I want to add money to my savings account to start getting interest and to be accounted for in the chance to win XXXX Im am in much need of money in my life right now but this is not allowing me to do so : ( Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
I had an account with XXXX XXXX that went to collections many years ago. I paid the company who obtained the account. Jefferson Capital Systems, Inc. They informed me that they would notify XXXX that the account was paid in full so XXXX could then report to the credit bureau that the account was paid. Instead, they never reported the pay off to XXXX so it is still sitting in my credit report as delinquent. This needs to be updated as it is the only thing showing negative on my credit report and I am in the process of trying to buy a home. I have been fighting with this company for almost 2 years to report this to XXXX. I have submitted a complaint to you previously in regards to XXXX but I was directed to the FDIC because they are a XXXX. I filed a complaint with them to no avail as they directed me back to XXXX. I am being sent in circles. This needs to be addressed and fixed. Under the fair reporting act I have a right to have accurate information reported on my credit report. I don't know what else to do or who to turn to at this point. Jefferson Capital Systems , Inc. will not do as they promised, nor will they help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Why my FICO IS XXXX WHEN OTHER CREDIT COMPANY REPORT MY CORRECT FICO SCORE?

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 2020-04-28
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2021-10-20
Company: Experian Information Solutions 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:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Waited forever on hold with Trans Union to try to get errors corrected and couldn't reach anyone on XX/XX/XXXX. My call followed the company 's inadequate follow-up of my dispute aimed at correcting my credit file 's erroneous phone number and current occupation, which I had asked the company in writing to fix. Instead, the company in a letter reported that it had verified a credit card account I never asked them to investigate, and they said they confirmed my employment with a company for which I no longer work. While I realize I can write a rebuttal to this agency 's inadequate response, these issues are not necessarily worth my time -- though the wrong phone number error is relatively important because I have a long-standing credit alert on my file. My main concern is that Trans Union 's extremely careless investigating could lead to unfixed errors which are significantly more damaging to credit-impaired individuals.

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 2021-10-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We attempted to purchase a dog. However the dog was never recd chase informed us since we used XXXX they could not file a claim. We used online banking with them to pay for the dog. 

I have 3 transactions with email and letters with proof of the purchase. 

I am asking for funds to be return XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX I have proof of requests they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/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 2017-11-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been disputing several issues with Equifax for quite sometime now. Several of the issues have been investigated, completed and resolved. Each and every time when I filed my dispute, I specifically requested that Equifax must send me an updated report. I have been asking this, via telephone and mail, many times to Equifax to send me all pages of my updated credit file for my information, verification and records. They have not yet send me a full file copy of Equifax credit report since the completion of my last Equifax dispute and investigation request. I NEED HARD COPY OF MY CURRENT Equifax CREDIT FILE. Equifax must send me copy of my full credit report. Equifax should immediately send me all pages of my full Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 are several inaccurate accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Macya credit card ; it is issued by Department Stores National Bank pursuant to a license from American Express. 

I cant find the interest that I am being charged on the online statement or anywhere on their website. 

I only get an online statement. I called them and was unable to speak to a customer service person.

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 2020-04-27
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am trying to link the XXXX  application and called pnc bank. Pnc bank is stating that since they sent me a code via text that its not their error. The pnc agent gave me a number to call and a automated message comes on about XXXX  stating to go to the XXXX  application follow some steps but the issue has nothing to do with XXXX. Also the after the automated system gives you the information about XXXX  it hangs up. The issues has not been resolved. I need to be able to link my XXXX  application to pnc and so far its not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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, this creditor, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency Connot furnish an account without my written consent.

15 USC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: Convergent Resources, 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: Account information incorrect

Complaint:
XXXX XXXX has placed an open account on my credit that shows it was opened on XX/XX/XXXX for {$230.00}. 
I paid my last and final payment to XXXX  XXXX on XX/XX/XXXX of {$75.00} and the account was supposed to have been closed. I never received any additional information about owing {$230.00}.

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 2022-01-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
MIDLAND Credit Management Inc. has been sending me collection notices in the amount of {$530.00} and has been reporting this negative information on my credit report which is both misleading and damaging to my reputation as a natural person and consumer. I have never done business with this company nor does this company have any evidence of a contract with my signature. This company is passing my private information to other members possibly resulting in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is still reported account from XXXX XXXX  on my credit report that is too old. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points higher with XXXX  and XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Carvana Group, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Notice, it is a fact, affiant is aware, CARVANA falls under both defintions of seller and creditor as evidence in subsections 16 C.F.R. 433.1 ( j ) and 16 C.F.R. 433.1 ( c ) Notice, CARVANA is in violation of 15 usc 1662 ( 1 ) which prohibits the need for a specific downpayment amount in order to obtain an extension of consumer credit. 

Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by CARVANA, violating 15 U.S.Code 1691 ( a ) ( 3 ) -- ( under title 1602 ( f ) credit is the right granted ) ( The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ) The instrument constitutes payment and CARVANA has opted to deny my rights to obtain credit without requiring a downpayment. 

Please be on the look out for mail with full list of offenses documented throughout the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
Case # : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Date of Transaction : XX/XX/2020 Amount : {$820.00} I was notified on XX/XX/2020 by the airline that the flights were cancelled, and no alternatives were available ( see enclosed email ). On XX/XX/2020 I emailed the merchant as their phone line and online chat features said that due to COVID they could only assist with new bookings. In it I informed them that the airline had cancelled the flight and asked for a refund. 

Previous to all of this Fareboom ( the merchant ) sent an email on XX/XX/XXXX stating that a cancelled flight would result in a full refund ( also see attached ). 
It wasnt until after I submitted my dispute on XX/XX/2020, 10 days after my flight was cancelled ( and well past the 7 days that the DOT says refunds due to cancellation must be processed ) that I got any correspondence from XXXX. It was a generic email trying to get me to take a travel waiver, which at this point I think we all agree I was entitled to a full refund so a moot point. 

As it stands, my trip is still in a pending status and I have no tickets due to the flight being cancelled and I also have no vouchers to use. I also have attached a chat transcript where they admit I am due a refund but are holding it hostage for a {$100.00} per passenger fee because I disputed the charge due to them fraudulently trying to keep my funds and ignoring any requests to handle it before it was brought to CapitalOne. 

Disputing this charge with CapitalOne has resulted in no satisfaction. Despite now having nothing for the almost {$1000.00} I was charged. No tickets, no vouchers, and a merchant 100 % unwilling to assist. If that isn't a charge worth disputing, I don't know what is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-28
Company: EQUIFAX, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation