BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I spoke to customer service and a suporvisor that said on the call they see it was corrected and they were going to far over the letter of good standings ( never got a fax ) and then they came back to XXXX with no change ( makes no sense ... ) it should be off my report! I have spoken to them numerous times and they say one thing than go another route ... It was from so long ago and i believed at those times it was corrected ... i do not have doc on it bc it was so long ago! But i am hoping they will finally admit what they say on phone and take OFF this inquire finally thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I have written Trans Union and asked them to remove the incorrect addresses from my reports Date:XX/XX/2016 REF : XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only XXXX addresses that I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX , XXXX XXXX Please remove all the other addresses off my report. They are not correct. 
I have never lived at the XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. Driver License and Proof of Residence

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 2020-03-15
Company: Experian Information Solutions Inc.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-08-04
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Starting XX/XX/XXXX and XXXX we contacted Current after discovering our account had been suspended. It was suspended because the company that holds our car loan, XXXX, last month tried to withdraw the usual monthly payment. Only problem is they tried to withdraw it and put it back several times causing Current to mark it as fraud. We recieved texts and emails from XXXX saying it was paid but it wasn't. We're assuming they wanted to collect late fees. But anyway, the account at Current was marked as fraud and as soon as we discovered it we asked them to please deposit it in a separate account on XX/XX/XXXX. We had continuing conversations with Current on the XXXX, XXXX, and again on the XXXX asking them to please either reinstate the account or reject it so that it can be deposited in our other account which they were given the appropriate information for multiple times. We were told it could not be appealed. Bill 's started being due on the XXXX of XXXX. That is also usually the latest my husbsnd gets paid. It is now the fourth and they have still not taken any action to ameliorate the situation despite further contact in the form of emails and, finally being able to speak to actual humans, phonecalls every day from the first through today. The entire reason my husband signed up for this account was he would get paid a few days earlier which worked out for us bill wise. Usually around the XXXX. So it has now been over a month since my XXXX veteran husband has gotten paid. I care for him and our XXXX small children. I'm trying to find work I can do from home in my spare time. Please help us. Current says this is all because the account was over drafted last month, to which my husband said then take out however much you need to cover the overdraft and send the rest to the other account, I don't care. They said yesterday that they may have to send us a paper check which may take an additional 21 DAYS for us to receive! That will literally XXXX us. Our kids will starve, we'll lose our home, we can not wait that long when we're barely existing as is!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, we are working on a short sale where the servicer has made multiple errors and they are refusing to correct the issues and have taken a hard line approach since we brought up the concerns. They are pursuing a foreclosure and a short sale at the same time. 
The mtg was taken out in a trust yet in their system, and on letters sent out they show a different, incorrect mortgagor. 
They required financials from the incorrect mortgagor The XXXX approval letter they issued required no repayment but the new XXXX that was issued a few months later now require repayment of most of the balance, none of this was discussed before they issued the approval letter. When we brought up the concerns about the trust and incorrect names Fifth Third acknowledged this was an error but said " they are not going to waste their time correcting this issue unless the sellers agree to the repayment. '' After we addressed our concerns, fifth third also said our only options were to have a new agreement signed saying that the incorrect mortgagors would accept personal responsibility for the repayment and the trust would not be responsible. XXXX, the negotiator at fifth third refused to correct the errors or address our concerns further with their attorney. Her exacts word were '' if the sellers do not agree to the repayment, we will close the file ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have called ad astra recovery services and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: ROC Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have been receiving calls from an unknown debt collector. They have not given me any information as to who they are, a physical address, and call me day and night, after I have repeatedly asked to only contact me through mail. Now they have called my work without my permission. I do n't even know how they got my work number, and jeopardizing my job by doing so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I previously disputed Lexis Nexis case # XXXX in XX/XX/2022 in regards to an unverified bankruptcy on my credit report. This delinquent account is also reporting on my XXXX credit report. I called LexiNexis today ( XX/XX/2022 ) and was told that the dispute was still in progress and it has been over 30 days from when I disputed it. I also have a letter from the courts stating that they do not report to credit Bureau. The federal law requires them to respond within a 30 day window and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: MD
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In     XX/XX/XXXX  (  XX/XX/2016  ) I had request ed again ( I do not have a date of the previous request ) tha t PNC applies my  extra payments to principal rather than advance the due date and taking their interest. I would like to reduce my principal and pay less interest. I had to call again today because they have not been doing this and instead they are taking my money. Now they also have messed up my escrow account and are saying I owe an extra {$660.00} rather than the {$110.00} which is the amount my taxes went up. I understand I owe my taxes through escrow and am happy to pay however it should be accurate.     I called today and was refused a supervisor when I requested because the agent could not understand that {$110.00} and {$660.00} was not the same and she could not or would not tell me my payment amount that is due in less than a week! I guess since they have to correct the mistakes they made she could n't tell me so I do n't know what to pay and  may  not face a late fee because they made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Penn Credit Corporation
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2020 my credit score went down from XXXX to XXXXXXXX.i checked .it said XXXX XXXX. In texas for XXXX $ .i live in wis for past XXXX yrs.i submitted all requested info and my credit went back up toXXXX .then i started to receive bills for requests for payment of XXXX $ .i ignored them.i thought it was over.in XXXX my credit went from XXXX XXXX decline.i looked up my credit there was 2 delinquent accts.1 for XXXX {$1.00} for XXXX $ both from XXXX XXXX.i called then faxed all documents requested through my social worker at the va hospital in XXXX XXXX called them the next week.they told me my file was in the fraud dept and shoul no longer be affecting my credit score.my credit score remains at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX continues to inaccurately report a Business Account that I am not liable for on my credit report as a Personal Flexible Account which is not correct and is a violation of my rights per FCRA. Additionally, XXXX XXXX has confirmed they will report this account as In Dispute per FCRA, however they have failed to that as well. I am requesting this business account that I am not personally liable for to either be removed from all of my credit reports or appropriately update this account from Personal Flexible Account to Business Account and update the status/comments for the account as In Dispute per FCRA as agreed.

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 2022-07-19
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
American Express : First they refused to close my savings account, then they froze my card after transferring customer service to " XXXX '' Both accounts are still active, and I still get emails even though I have no control over the accounts... 

State of Utah American Express bank ( XXXX and XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: WA
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 violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.

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 2017-11-15
Company: EQUIFAX, INC.
State: DE
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:
equifax still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX f {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter to inform you that this account has been opened fraudulently and does not belong to me and has to be deleted immediately by law. 


account #. XXXX account name. XXXX XXXX XXXX XXXX 15 U.S.C. 1681x 15 U.S. Code 1679c

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 2020-03-16
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}, {$29.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29.00} -This is not my account.

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 2016-07-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank 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 explanation
Consumer complaint received 2016-06-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This account is with Gap/SYNCB. I have never opened this account and it has a pay history. I want it removed and they have not. Please have it removed as I am a victim of 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 2021-11-28
Company: CITIBANK, N.A.
State: KY
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:
On XX/XX/XXXX the Home Depot credit card XXXX initiated a hard credit check on my account without my authorization or knowledge. Ive been a card holder with them since XXXX. I called to ask them about it and I spoke with a supervisor named XXXX, her operator number XXXX. She denied that they did it? She told me XXXX did it? So I decided to call the next day and I spoke with XXXX another supervisor his operator number RAW XXXX. He told me that they did initiate it and then it was an accident because I never authorized it and then he was sending a letter to XXXX to have the hard inquiry retracted. I received a letter from XXXX XXXX cardmember services telling me that they can not locate where they did the hard inquiry, it shows on my XXXX XXXX and on my XXXX report that they did do it. This letter is asking me for my Social Security number and they want me to prove to them that they did it? I keep getting conflicting answers from the XXXX XXXX card? I dont know if its fraud on their part or not so I canceled my Home Depot card and I have put a freeze on my credit. I just want the hard inquiry removed since I never authorized it and I cant get a straight answer out of them at all and according to XXXX they need my permission to do this and they did not have it. XXXX XXXX XXXX XXXX keeps denying they ever did this all except for the XXXX person I spoke with, I included a picture of the letter that they said theyre denying knowing about it. Clearly they did it as you can see in the attachments of the inquiry on my 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 2020-12-07
Company: Navient Solutions, LLC.
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:
These inquiries are unauthrozied and need to be removed from my credit report imediatly.

Company response to consumer: Closed with explanation