BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: Kikoff Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: ID Analytics, Inc.
State: OH
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 attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX   inquires regarding all personal information.

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 2019-02-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has been overcharging interest on my federal XXXX loans. 

Even though I am on an IBR plan, I pay weekly ( approximating what I would have on a standard plan ) because I understand that interest compounds daily, and any overpayment I make is supposed to go to principal. 

On the first payment of every month for the past six months, I noticed that the split between principal and interest is off by almost $ XXXX as an overcharge in the interest category. None of my contact with Navient customer service has resolved this error. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TENET HEALTHCARE CORPORATION
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I 've been for the past few months in contact back and forth with XXXX, Central Financial Control and XXXX XXXX XXXX in reference to my medical bills and with all the disputes gotten no results.. I was told by Central Financial Control and XXXX XXXX XXXX that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX XXXX and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have Illinois XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. Central Financial Control and XXXX XXXX XXXX is telling me this is n't good enough and that i need them to write a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Fake checks written out using my address but also at the heading of check. XXXX XXXX XXXX Was the name of the check. First one used at a XXXX in Kentucky. Second was a XXXX 's or XXXX XXXX in North Carolina. I'm not associated with the XXXX XXXX group.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX  and Experian Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months Experian has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The 3 Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX doesnt even own the account any more. 

XXXX  # XXXX Next issue is this account With ( Experian ONLY XXXX XXXX XXXX XXXX  # XXXX I have a active account with this company thats in good standing never missed a payment Yet Experian has 2 accounts the one that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other 2 bureaus only Experian who is reporting this chargeoff the other 2 bureaus have the correct information which should just be the one account I have with this company I contacted the card company and they only have the card im currently using i explained that to Experian for months now and have been disputing this account and they wont remove it. 



Next issue is with ( Experian Only ) XXXX  and XXXX  removed this account for being inaccurate years ago I contacted the company company and they have no record of the account Experian says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted XXXX they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company ( XXXX XXXX ) has Removed the account from all 3 bureaus Experian, XXXX  and XXXX  wont remove the XXXX  they keep referring me to contact XXXX and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all 3 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 2018-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
DO NOT DO BUSINESS WITH CAPITAL ONE. On XX/XX/2018, I was fraudulently charged by a phony organization in the country of XXXX, for supposedly driving something like 12 mph over the speed limit. My car was stopped by a phony policeman who said I could pay or I would go to jail. I could barely understand what he was saying. The form he put in front of me was only in XXXX -- NO ENGLISH. The amount on the form was XXXX ( XXXX XXXX  XXXX ) XXXX   Kroner  ( about {$10.00} ). He demanded a credit card, not cash. So, I gave him my Capital One credit card. When the Capital One bill showed up back in the USA, it had been billed {$800.00}. I disputed the charge to Capital One. On the chargeback reply, sent to Capital One from this place, the amount had been CHANGED to XXXX ( XXXX XXXX XXXX ) XXXX Kroner ( {$800.00} ). They had MODIFIED the original form, adding English and changing the amount by changing periods to commas. I still have the original form, all in XXXX, which clearly shows periods -- not commas. I sent a copy of the original form to Capital One, but they took the side of this fake police department, with their changed form, from this very remote area of XXXX. In addition, I told Capital One that my drivers license isn't even the one on the form. I was given the ticket because my name was on the rental agreement. I sent a copy of my drivers license to Capital One to prove this. The lady at the local XXXX XXXX XXXX ( the reason we had gone to this remote place ) explained that this was a 'tourist trap ' targeted at rental cars. She said there wasn't even a town. I explained all this to Capital One, but Capital One has taken their side. My credit rating is in the 800 's. I have never been late for a payment, in more than 50 years with credit cards. I'm XXXX years old. With my company, I've charged hundreds of thousands of dollars with Capital One, over more than 30 years. I thought they 'had my back ', but they take the side of a phony organization in another country. From what I've read, from the complaints posted here, it seems that Capital One will always side with the so-called 'merchant ' over the credit card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I accepted a loan from AvailBlue for {$350.00}. I was told when they would drafting the first payment, amounts etc. Prior to accepting the loan I spoke with the Agent and asked him about early pay off. He told me I could in fact pay the loan off early and just paying a small amount above the {$350.00}. I called today to make sure and the woman told me I was given incorrect information. She even verified that she knew they gave people misleading information but you are still stuck with paying this loan. I am paying almost {$1000.00} for a {$350.00} loan that I got barely three months ago!! I told them had I known that I would not have accepted the loan which is why I asked before accepting. I was told something totally different it seems just to get me to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
It is showing on my credit reports that Capital One Auto Finance did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Capital One Auto Finance responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received communication from XXXX XXXX about a debt from XXXX on XX/XX/18. I immediately called as they are not the first collection agency to contact me about this debt to inform them this is not my debt. I was unable to speak with anyone in debt about the account because my information didn't match the information they had on file. I explained that XXXX closed the account and was sued for collection attempts and as they were 100 % aware it was a fraud account and the debt is not mine, no signature, not the correct address and i was able to prove to them it was opened under fraud circumstances, etc so I have no clue why they sold a bad debt to them, The lady stated all they can do is cease communication nonetheless the account has appeared on my credit.

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 2022-11-18
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/2010 Balance : {$0.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2019-07-23
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to get collection company " Merchants Credit Guide '' and credit bureaus to remove a claimed debt of {$460.00}. XXXX  has already complied and removed the derogatory item from my report but XXXX and XXXX have not. Merchants credit guide only responded to my 1st letter and ignored my second letter requesting for proof of debt, 1st letter Tracking # XXXX - 2nd letter tracking # : XXXX. 

XXXX ( Tracking # XXXX ) and XXXX  ( tracking # XXXX ) also failed to provide me with proof of alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: NC
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:
Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are 5 name on my credit report that Ive been trying to correct for almost a year ... .. 
XXXX XXXX XXXX - not me XXXX XXXX XXXX -not me XXXX XXXX XXXX - not me XXXX XXXX -not me Ive paid in good standing XXXX car loan XXXX XXXX XXXX Never lived in any other state 2 address XXXX XXXX XXXX XXXX nj XXXX-me XXXX XXXX XXXX XXXX nj XXXX -me 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 explanation
Consumer complaint received 2019-02-19
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: Account status incorrect

Complaint:
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX ), XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and Equifax ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Previous complaint with cap one the company gave a response that asked to to contact needed more information on id theft and as a result closing both accounts from what the advocate said reluctantly went into detail on checking their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I lost my XXXX card a few years ago reported it to them and closed my account they continue stating I owe a balance. I have attached 2 files Ive only have 1 account with XXXX 1 report states I owe {$510.00} since 2015 and the other shows Ive made all payments on time.

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