BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX - Using my PNC online account, I made an early payment towards my XX/XX/XXXX mortgage loan payment in the amount of {$300.00}. 
On XX/XX/XXXX - PNC, using the auto-payment system, took the full amount of my XX/XX/XXXX mortgage payment even though the {$300.00} paid on XX/XX/XXXX had been credited to my mortgage. 
On XX/XX/XXXX - I called XXXX concerned about the {$300.00} over payment taken by PNC. I was told by XXXX XXXX that there was a glitch in the new payment system and that they were working to resolve it. She said many customers were calling with complaints and PNC was working hard to resolve the problems. I gave my information and was told my {$300.00} would be returned to my checking in 3 to 5 business days. 
On XX/XX/XXXX - I called PNC again because my {$300.00} had not been credited back to my checking account. I spoke with XXXX. I was told by XXXX that my {$300.00} would be processed back into my checking no later than XX/XX/XXXX. 
On XX/XX/XXXX I called again because I still had not received my {$300.00}. I spoke with XXXX who told me that he sees a record where a request by me had been processed, but it would take up to 30 days to be reviewed for the return of my {$300.00} over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with the servicing company that I make payment to for my mortgage for a short pay. My home is in an underwater loan situation and I want to offer the company the amount of money the home is worth. The servicing company is Select Portfolio Servicing Inc. I been applying for re-modification assistance with this company since XXXX of XXXX, first they tried to make me lose my home through a short sale ( fraud ) when they knew I wanted to retain the home. They sent someone to appraise my home and I offered them the amount of the appraisal. Each time I apply for assistance they send a letter stating the " mortgage owner '' has denied my request. No other explanations. When I request in writing and over the phone to know who the mortgage owner is on my home they send me documents of the original note which has a lender on it that is no longer in Business. 
So someone owns my loan and is the lien holder but SPS will not give me the name or contact information to this company. 
AS the landowner and payor of the mortgage I have a right to know who the lien holder is. 
I have asked for this information several times in the past XXXX  months and even put a request for the information in to SPS again today. 
They are hampering my ability to communicate directly with the lien holder which is needed in order to prevent losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an alleged collection on my credit report from Capitol One Bank from XX/XX/2018and it is mark as a derogatory mark but I have Never ever in my life banked with them and do not know why this is on my account? They have an alleged collections on there for {$520.00} dollars but I have never opened an checking or credit banking account with them At All. I do not know if I have been a victim of Identity Theft or what but I know for a fact that I have not tried to bank with them nor have i ever and would please like this removed from my account because it is hurting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Experian has wrong job information. Correct information for my job is XXXX XXXX. This is where I been since XX/XX/2008.

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 2020-07-09
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
2017 I had XXXX  which medical was going to cover. On the the day of the XXXX  my medical had expired and no one told me if I still wanted to proceed with the XXXX. I tried by calling them and they told me that I had to pay still.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, 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:
Disputing a debt showing on my credit report by XXXX XXXX for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to a car dealership named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX Illinois XXXX. They informed me that the were only going to run my credit report for XXXX XXXX to apply for an auto loan with them. Without my knowledge I notice they put multiple inquiries on my credit reports that I did not authorize without my consent and unknowingly put these inquiries on my credit report. 
Inquired Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-20
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: Credit inquiries on your report that you don't recognize

Complaint:
See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX Mortgage reporters XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX Tenant Screeners 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 2021-05-02
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
We were solicited by mail for a personal loan up to $ XXXX, with fixed bi-weekly payments over XXXX months, at an UNCONSCIONABLE INTEREST RATE OF XXXX  %. IS THIS LEGAL? Also, its not clear whether or not its a secured loan, and if so, by what. 

We did not act on it, but I want to bring your attention to this. Please scrutinize/review/audit the company and its practices for all irregularities. 
Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Which is odd too - its a XXXX near the XXXX of XXXX XXXX, not a place associated with finance. 

'All that is necessary for evil to succeed is that good men do nothing. ' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Grant & Weber
State: CA
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:
Credit report showed discrepancy. I'm a victim or Identity Theft.

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 2018-06-28
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX told me as soon as my medical is approved that i would be able to come back to the hospital give them the insurance information that they would be able to remove this bill i also calledbthe hospital on occasions and told them i finally got my health insurance and they told me it would be tooken care of know i later on find out it went too collections i never got a call or bill in the mail regarding this as i thought it was handled by the hospital itself this debt was opened on XX/XX/2014 XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for prepaid card. They took XXXX dollars, never sent the card. I became homeless with service animals during this time and they still kept my money for two weeks. I never ultimately got a card. They never explained why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2018 I mailed out a notarized dispute letters to Equifax and XXXX via XXXX Certified Mail, tracking # XXXX and XXXX  Tracking XXXX. Equifax and XXXX received my dispute letters on XX/XX/2018 at XXXX XXXX ( see screenshots attachment from XXXX. ) I received an email from Equifax on XX/XX/XXXX with the subject titled " Equifax Confirmation Number : XXXX - Dispute Completed '' to review the results online and prompted me to login and answer security questions to access the disputed results. 

XXXX has not mailed me any dispute investigation results or any notices regarding my dispute sent to them and are currently 7 days passed the 30 days they have for instigating my dispute as I submit this complaint with the CFPB. 

I believe Equifax is acting unfair and deceptive since I have never opted in to receiving dispute results by email, I have always received dispute results by mail only. 

After I attempted to login to the link Equifax sent me, I answer the security questions as prompted and was declined access to my credit report results because I appeared to have answered the questions incorrectly. 

The questionnaire Equifax provided to gain access to the " completed results '' DO NOT relate or pertain to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Diversified Adjustment Service, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions 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:
father passed and they put all his information on my credit changed my date of birth to his i have been trying to get it straight with no luck. the mortgage company want help i keep telling them. XXXX XXXX didnt pay out my claim for the reason of fraud but i did have a break in my house

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Fidelity National Information Services, Inc. (FNIS)
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: Problem getting your free annual credit report

Complaint:
I opened a checking account in XX/XX/2020 with XXXX  XXXX XXXX, this account was opened with the purpose of paying my credit cards off which I hold with the same bank. ( I am not American and I dont live in the us ) on the XX/XX/2020 my checking account was close without any reason given to me, they said a business decision, I have query this with the bank and I got not response, I am very mortified of what they have reported to ChexSystems , as I said I dont live in the us and getting a report is petty much impossible. The bank has put so much emotional stress on me, I am XXXX XXXX XXXX XXXX and I worked with a visa, I dont want any wrong information in my credit report or history, I managed to pay off one of the credit cards with my mothers account t and I am in the process of Paying the second one to not have any more debt. But this is not a way to treat people, Ive never done anything wrong and I am a very hard worker 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 2018-06-28
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s )  of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REINVESTIGATE THE DISPUTED ACCOUNTS AND HAVE IT REMOVED OFF MY CREDIT REPORT FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
About 10 years ago, I had a XXXX credit card through Capitol One Bank. Due to their poor business practices, I closed the account. Last month, I received a statement on this account ( using my old name and including my ex-husband asa user ). This was a shock, since I had closed the account years ago and had not received anything from Capitol One since then. I was very upset and contacted Capitol One, demanding to know why they reactiva ed this closed account. The insisted that I never closed it, but I am sure that I did due to the circumstances at that time. Furthermore, if the account was active I would have received some correspondence from them during the last decade. After a few minutes of arguing with the customer service rep, I insisted that it be closed, again. Again, I received a letter saying the account was closed, yet this month I received another statement from Capitol One. This is outrageous, that they would reactivate this closed account and even after I called to close it again continue to send statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. Transunion allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from Transunion.

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 2022-08-08
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:
I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to XXXX, XXXX and Transunion. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further XXXX, XXXX and Transunion has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer 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 2018-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Disputing a debt showing on my credit report by Portfolio Recovery for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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 belongs to someone else

Complaint:
I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a response.

Company response to consumer: Closed with explanation