BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a 360 account with Capital One for a checking account. I deposited {$1000.00} balance into this account to keep it open. My account number is : XXXX. Routing number is : XXXX. Their phone number is : XXXX. I received one monthly statement or notice thereof, from Capital One. Thereafter someone saying they were from the bank called me and said he had to " verify '' my account, to determine if the bank would keep my account and the funds I put into it. He asked me numerous questions about my personal information. After 5-10 minutes of this he then said he had to again verify this information along w/ other information about my account. 
When he started asking me all of the same questions again, I told him I had other things to do and did not have time to waste answering the same questions. He then asked, do you wish to not be verified and i said, yes, I am tired of being verified and if they could not verify me with what they had already asked me to end the process and send my funds back to the account i transfered them from. I then hung up. 
When I did not receive my funds within the next 7-14days, I called Capital One and asked them where my money was. I was again told I had to go thru yet another verification process before they would return/ transfer my funds back to my original account. 

I have no intention of verifying anything else w/ this XXXX bank. it is my money. they have refused to let me use my account even though they already sent me a monthly statement and they have no right to make me verify anything to refund my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: MA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-08
Company: EQUIFAX, INC.
State: MA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the amounts of XXXX Tu/ XXXX TU/ and XXXX from XXXX and three amounts of XXXX. I requested XXXX agencies to Validate this debt as I have no clue what these amounts are for. I sent letters to all involved - not one response XXXX XXXX I sent letters twice both came back undeliverable.This is how I know validation was n't done If so you would have provided proof of this debt.I am being hurt financially and mentally because of your inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This problem with Equifax has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over 30 days must be removed. By this incorrect information staying on my report i a paying 14 % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.

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 2018-01-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment onXX/XX/XXXXwould be for you to furnish XXXX XXXX XXXX  statement proving when my payment was accepted. Congress states in XXXX XXXX XXXX XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.

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 2022-02-08
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 i was at work and i received a notification from CHIME bank about a {$1000.00} contest they were having called " CHIMEMONEYGOALS '' I made whatever I have to do to participate. Minutes after at XXXXXXXX XXXX I received an email from Chime saying that my phone number was changed and an other email saying that my phone number was changed at XXXX XXXX. As soon as, I realized about the first email a minutes after ( XXXX XXXX ) I called Chime. I talked to the representative for 24 minutes she told me that " my account was secured and deactivated, nobody can have access to it, I asked her about the amount of money that I had and she told me the correct amount of money ( {$1600.00} ) on my account. I went back yo work and hour after when I checked my account it was only {$100.00} on my account. I called Chime and explained the situation that happened and they told me to submit all the pertinent proof that I have to open an investigation about the situation. I sent everything all the proof I have and they told me that in 10 days they were going to answer me the second day I called to know about the status of the dispute and they told me that I authorize the transaction that was why the dispute was denied. I arguing and arguing with them because they told me, I authorize the transactions. After the discussion by phone they told me that send more information to reopen the dispute. I sent the emails that they sent me from Chime changing my email and my phone number, the phone call from my call list showing them that I called a minute after the first email, a picture of the time I clocked in and out from work that day. After I sent everything, they told me that they were going to come out with an answer in 45 days and if they did not solve the situation in 12 business days I was going to get refund. I called after 12 business days and they told me that they had a final result that I authorize the transactions and they were not going to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

the company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original bind contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Fifth Third Mortgage # XXXX My home mortgage is with Fifth Third Bank and my Checking account is with XXXX XXXX XXXX. My XX/XX/XXXX mortgage payment was processed and posted to my checking account on XX/XX/XXXX. Fifth Third bank applied the credit to my mortgage account but reversed it on XX/XX/XXXX because they said it was returned by XXXXXXXX XXXX. Fifth Third bank told me to send them my bank statement showing the transaction was posted to my checking account. I did and Fifth Third bank sent a letter stating that my request couldnt be processed until I submit further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: HCFS Healthcare Financial Services of TeamHealth
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: Their investigation did not fix an error on your report

Complaint:
There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in 2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and XXXX, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX on the date of XX/XX/2018 for the amount of {$470.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since about XXXX I have been trying to resolve escrow issue. My insurance information was sent out in a timely matter, LOANCARE says they did not receive and purchased insurance on my behalf, Me, my carrier and my agent all sent insurance copies. They had to get copies when loan was sold. I have emails Where we mailed a second set to them XX/XX/XXXX. They did not do a new escrow analysis. It was not unit my XXXX payment did they adjust escrow even though I have called several time since XXXX. In XXXX I was told when account was current, previous person said they would fix escrow, they would send extra escrow out. In XXXX I called and was told I had to request it, which we did. Today I am on the phone and they are telling me they have to do an additional escrow analysis and then request me to be reimburse. In XXXX, XXXX and XXXX they did not tell me the extra money I sent in that they put directly to curtailment could of offset this mess, XXXX person tells me it is to late. Every time I call I get a new story will some reason they wont send me back my escrow excess. Everyone tells me they will escalate everything and no one calls back or does their job. People should not be treated like this. XXXX XXXXLoan Care are awful. 
XXXX says she will get check cut and sent out overnight ... ... ... She can not answer why my XX/XX/XXXX email was ignored.

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 2018-01-03
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased two pairs of gloves from a company. I only received one pair of the gloves. I received the gloves after the second attempt to purchase. Ive contacted my bank twice ; both times being denied a reversal of the debit. I was told before the second denial the dispute was being researched between XXXX and PNC bank. 
Both payments were made using the same card, the company has not ( to my knowledge ) provided proof of a receipt for my first purchase or tracking details for the gloves. I did not receive the gloves the first time. 
I was smart enough the second time to use my debit card through XXXX for assurance and the gloves were received. I have a locked mailbox so they wouldnt have been stolen. 
PNC continues to deny my dispute because I authorized the transaction. I did authorize it but Im not in the business of donating money to companies. I expect that the merchandise will be received. 
I am frustrated because at this point PNC and XXXX both seem to be ignoring the fact that I didnt receive the gloves. I am not asking for the money back for any other reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: NY
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:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: NC
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:
Today XX/XX/2019 I found out that someone has been opening accounts with my personal information without my permission. I found out because I was checking my credit report before going to buy a new car and I saw accounts and inquiries that do not belong to me. I never opened any of those accounts and I never gave anyone permission to open them in my name. I have already filed a police report. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit nor am I affiliated with any of those companies in any way. I do not have any written/verbal contract with any of those companies and I never allowed them to run or view my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Account XXXX Relationship Manager XXXX and XXXX did not answer or return my XX/XX/2019 or XX/XX/2019 calls. 
Person at alternative number XXXX told me I had to my request in writing to : Citibank XXXX XXXX XXXX XXXX XXXX, Tx XXXX Written request of XX/XX/2019 was ignored by Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/1999 to present, {$70000.00} loans, i suppose to be on income based but my loans increase even through I make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX CRA : NAVY FEDERAL CREDIT UNION ( Application Number XXXX ) CRA ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XX/XX/2022 ) Recently, I, XXXX XXXX XXXX, was denied an extension of credit by NAVY FEDERAL CREDIT UNION On XX/XX/2022 I applied for NAVY FEDERAL CREDIT CARD limit {$16000.00} As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My cash app account was closed with no warnings. I tried to use my cash app card. It was declined, i than received and email stating my account was closed please follow these steps to cash out. I did but it wont allow me to cash out my money. Several emails later with the same responses yhat the account ia closed. But they allowed my child support direct deposit to still go through. Now I can not speak to anyone. I have {$3000.00} just stuck in a app with no customer service or anything.

Company response to consumer: Closed with explanation