BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Credit determination

Complaint:
I was invited to apply for a Discover Card. I filled out the necessary information then was sent an e-mail to verify my address asking for State I.D, or other, and photo of social security. I attempted to upload photo of I.D . from phone but was unsuccessful. I then went home and scanned both I.D . and Social Security and uploaded them from my p.c.. Although the photo on my i.d is not clear my address and license # are. I received another email again requesting the information or to call. I called, spoke to an agent who was trying to find another way to send information, since they had trouble reading the I.D., whom she then said hold on a moment and then returned to the phone saying it was n't necessary to send any more information and they would process the applicatiuon 7 to 10 days. I then received another e-mail saying to call them or lose my application. I called them and was informed my application was denied. I checked my credit report saw they made a soft inquirie previously and then a hard inquiry. I recently received the denial letter which states I was denied to do inability to verify my credit references. It also adds on the back my fico score at XXXX ( it is XXXX ) and that there was not enough credit length on other cards and loans. I have had a XXXX XXXX credit visa card for three years, a XXXX for going on two years and an XXXX opened recently. All of which have been paid on time. I also have a loan through Department of Education, and a loan through a credit union of which all are current. I feel I have been discriminated in some way or I would have been run-around as I had. They came to me! And have had no trouble with these other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: TX
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:
ftc violations : XXXX XXXX XXXX XXXX dept of ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations : XXXX XXXX XXXX XXXX dept of ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

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 2020-03-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We recently started trying to purchase a home. Well when the lender requested the credit report Equifax would not pull up. We called the company to remove this fraud alert and the company stated that hey could not find me. That I also had to send in personal information via fax. Well we did a week goes by and still nothing. The house we wanted is now under contract with someone else because Equifax could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house. I signed up for an automated EFT payment unknowingly, cancelled it, and never received my refund. 

In researching this, it was discovered that my bank account was also debited a high amount for someone else 's mortgage. The bank accidentally key-punched my banking information for an EFT withdrawal for another mortgage that wasn't mine. It took a dozen phone calls to customer service including supervisors to resolve this. I was told i would get the money back immediately and it took 7 business days. My bank account was wiped out due to a mistake by PNC bank. Not one time did anyone call me to say it was resolved or was being resolved. I had to follow up daily and tell my same story repeatedly to each customer service rep. The supervisor who promised to take care of the situation gave me her direct line, but never answered or returned my phone calls. The mistake of someone's mortgage was resolved, but i called today and still have EFT 's set up even though i was told they were cancelled 3 times and no one can see where a refund check was sent to me. I was promised it was mailed on XX/XX/20. This is the worst customer service situation i have ever encountered and shame on PNC Bank for taking unauthorized money from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
We had our wedding on XX/XX/XXXX and XXXX and although every other vendor we used was fantastic, the caterer was a really a disaster and many guests and ourselves really feel like they missed the mark completely. They made many promises and failed to deliver as they promised and reassured us. In fact, when we had a follow up call with them, they told us they had missed the mark and had fired staff as a result of poor performance during the event. They have also been banned from ever going back to the venue forever given their poor performance. 

The caterer agreed that money should be refunded but they deferred to Bank of America to figure out the reversal on the money that should be refunded. Unfortunately Bank of America refuses to refund anything despite both parties agreeing that money should be refunded. 

There were multiple problems on both days of the event. 
( 1 ) Food was to be served to us at XXXX XXXX  on XX/XX/XXXX. Food was not ready until XXXX XXXX. The start of the food timing was discussed and agreed upon in advance. 
( 2 ) Bar was to start at XXXX XXXX  on XX/XX/XXXX and did not start until XXXX XXXX. Agreed upon in advance and onsite the day of. 
( 3 ) Item 2c- Caterer will provide a staff of properly trained and experienced personnel to ensure satisfactory performance of the Services. As was evidenced by the fact that the caterer fired the bartenders after the event due to poor performance, clearly, they would also agree that staff was not appropriate ( 4 ) Item 4 The Caterer agrees to maintain a mild ( not spicy ), yet flavorful spice-level for all items on the menu. Universally individuals who attended said the food was too spicy and they could not tolerate it. 
( 5 ) On XX/XX/XXXX Food was to start being served starting at XXXX. Dinner was not served until XXXX XXXX. 
( 6 ) The fryer broke so food was not prepared on time and was delayed significantly. 
( 7 ) Both XX/XX/XXXX and XXXX there was not enough food, and it ran out. Many guests complained and left hungry ( including the wedding party ). 
( 8 ) Food was not put out for eating fast enough so people could eat it. 
( 9 ) Food was not prepared well. In my dish was half an eggplant raw which was not part of the menu. 

All services were supposed to be done properly and accurately on XX/XX/XXXX and XXXX. Because of the poor service this caterer is banned from the property and will never be able to caterer for the event space. 

We hope you can get Bank of America to do its job.

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 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'VE CONTACTED TRANSUNION SEVERAL TIMES BEFORE CONCERNING THIS MATTER AND IT HAS YET TO BE RECONCILED. ALL I WANT IS FOR TRANSUNION TO FOLLOW THE LAW OF THE FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS ACCOUNT OR SEND THE DOCUMENTS THEY USED TO VERIFY THIS ITEM.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See document attached

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 2022-09-18
Company: EQUIFAX, 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:
Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Carvana Group, LLC
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my car loan off in full in XXXX. I held my loan with XXXX and purchased the car from Carvana. Carvana mailed my title to a previous address, and when I called to discuss this with them in XXXX, I was told that they would need to wait for the title to bounce back to them through the postal service, and then they would forward it on to my new address. In XXXX, I called to inquire because I still hadnt received my title in the mail. I was told that the previous representative was wrong, that Carvana no longer held my title and I would need to contact the North Carolina DMV. However, when I contacted the DMV, they stated that their records showed that they had returned the title to Carvana in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Credit inquires that does not belongs to me please see the list : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX  XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. 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 2021-03-11
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 credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the fall of XXXX, I was going through a divorce, attempting to start a career in real estate after being a stay-at-home mom, with no consist income. I was lucky enough to land a position with the company that I have been gainfully employed with for the last three years, which started in XXXX of XXXX. I was struggling financially, trying my best to support my daughters and prepare for my move to a new area. I honestly had to make hard decisions on what I could pay in that time period to get me through to the next month. Capital One reached out to me to with an offer of a payment plan that I could afford so I could catch up and get my account in good standing and since I made that last payment toward the payment plan, I have not missed another credit card payment with Capital One. 

I was unaware that while in my payment plan, my account was still being reported as late. I am still very grateful to Capital One for working me during that stressful and difficult financial period for me. 

I have attempted via calls and emails for over 2 years to Capital One, requesting a good faith adjustment or late payment reversal as I am beginning the process of purchasing a new home. As a XXXX  XXXX, I know firsthand the importance of a strong credit history in mortgage lending and I can personally see the ramifications of currently having three late payments reported to the three major credit bureaus from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
At This time, I am disputing what Beneficial HSBC had responded to my claim with. For the fact that i did in fact make my trial modification payments, and each time I was never notified. During the last time in 2014 i had even went through another Lawyers office. I have enclosed copies of each check that was sent in for the last modification showing that we did make the payments for 2014. Also If Beneficial does not participate in the XXXX or similar federal government-sponsored programs, why???? do Beneficial employee 's tell me when i have called or even when i received the information by mail to please call for to see if you qualify for XXXX Assistance or XXXX. 
Plus this is not to mention there are XXXX different names on papers that I received in the mail, and each XXXX had different answers for me when I talked with them, not to mention when my new wife did also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In accordance with FCRA & 650B paragraph ( a ), Equifax , is required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 6. Cash Call XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 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. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Equifax remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had public record for an eviction on my record which was from XX/XX/XXXX. I was able to fight it and it was taken off my credit report back in XX/XX/XXXX. I just checked my report yesterday and found that it was added back on my report, but this time 2 1/2 times the amount that it was. the name of the creditor is XXXX XXXX XXXX From what I understand they ca n't go add it after 2 years because of Statue of Limitations. I need to have this removed since it is a violation of my rights as a consumer. It is on all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Convergent Outsourcing collection agency disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that they received the dispute letter on XX/XX/2021. I was never contacted, nor was my validation request ever honored. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond. 

It is now XX/XX/2021 and I still have not received a validation or response. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is my understanding that companies have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. With that being said, am requesting permanent deletion of the disputed and unverified 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 explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is no final decision. Here 's the thing. I have been fighting with all XXXX credit reporting agencies for years. They are supposed to do investigations. An investigation is more than just contacting the creditor ( which pays the credit company so there is conflict of interest ). Public Record is no longer being used for FICO so that has to be modified. In my Equifax report : Case XXXX The Plaintiff is listed as XXXX County Clerk. This is wrong the XXXX County Clerk is a repository and has been on the report for too long. I also do not work for XXXX - wrong employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Equifax continues to post that I owe money to XXXX XXXX in XXXX XXXX Oregon on XXXX accounts. I called XXXX XXXX XXXX, XXXX and asked if I owed them money. They said I did not and had paid it off in XXXX. I want these accusations removed from my record on Equifax immediately. I have already filed a dispute with them longer than a month ago and they continue to have it posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of on going ID Theft. The suspect has been charged and arrested. I have sent Equifax proof of this numerous times and they refuse to do anything other than tell me the fraud accts have been verified as mine!!! Police report after police report has been sent in. Every time I call and try to speak to someone I end up getting someone who does not speak XXXX very well and I keep getting the run around. I please ask once more that Equifax take this matter seriously and block the fraud accounts listed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are fraudulent inquiries on my credit report. Please remove them. 

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