BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.

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 2016-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My capital one credit card accounts are being restricted because I have added authorized users.This is something that is legal within the capital one company policy. They are asking me for information and documents about the people that I have added even though they are no longer on or with my accounts. My accounts have been opened for about two years and it will be very difficult to track them or their information down when I do n't know their current situations or whether or not some of them are deceased. When I added them to begin with, they should have just asked me for all of the required information then. I pay annual fees to keep some accounts open. Now I 'm being restricted without a clear explanation why. Capital one called me from their fraud department, but I have not committed any fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Delinquent account

Complaint:
I have contacted capital one bank several times since I found out they were reporting XXXX default debts that were paid in a settlement agreement. in the agreement when I finished paying the agreed amount they would remove the items from my report. they have not removed them and I keep getting the run around and they keep trying to say it was third party agency however capital one is the XXXX reporting it and they are the ones I paid. they are using deceitful practice to collect money and then not holding up to what they say they will do. after several phone calls to capital one I received a letter saying I need to talk with a third party agency they pay to collect money and make their agreements. As I explained on every phone call capital one is reporting it and they are the ones I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are inaccurate and do not belong to me, per 15 USC 1681c-2 I demand that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
Two days ago someone fraudulently stole {$2000.00} from my Capital One 360 account. It is now over 30 hours later I have yet to have a resolution. I have spent over 5 hours total on hold trying to reach their security department and have only spoken to one person who has informed me it may be another 2 days before " someone '' will call me and actually unlock my account for me. I have sent everything they asked and so far heard nothing in return. Meanwhile I have no access to my money and no way to contact anyone for a resolution. It 's an extremely scary situation and this bank should not be allowed to do business like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I am writing this letter because there is a big mistake on my credit report. I am specifically talking about the Afni Collections Account for {$1500.00}. 

Afni Collections has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. I look forward to a speedy resolution of this matter. 

Thank you. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2015-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This has been ongoing since Monday. I recently signed up for a Capital One card to help rebuild my credit. When I applied I was asked to show my id in photo. I showed them my passport, I was approved for the card and have made some purchases with the intent of paying off my card in full within 25 days to avoid interest. This week my card was turned off suddenly and I was asked to call. I find out that they require my ID again, social security card, and a utility bill to " confirm my identity. '' I send it off and I receive a call today telling me that the documentation I sent was n't good enough and I need to send my social security card and my utility bill again. This is after spending two hours going back and forth with them and this entire process making me feel as if I 'm being treated like a criminal when I 've done nothing wrong. I sent my documentation and they said they ca n't do anything until Monday. This is just unacceptable practices and the fact they 've gone out of their way to treat me as if I 'm a criminal just tells me Capital One is a disgusting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the past two weeks, I have been unable to access my business account with PNC Banking. I have called on numerous days and they are unable to provide me with a method to unlock my account. They are the worst bank in American! I moved all my personal banks accounts last year for the same problem. Still don't have access to my business account today!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In review of my TransUnion report via XXXX XXXX, I 've discovered on XXXX XXXX, 2016 XXXX XXXX XXXX hard inquires were removed from my credit profile and re-inserted on XXXX XXXX, 2016 without notification. TransUnion is required by law to inform me within 5 days of re-insertion that they are adding anything to my credit profile and since TransUnion failed to notify me they broke the law. TransUnion violated my rights under the FCRA SECTION 611 laws. I 've been calling TransUnion ever since and received no help. TransUnion representatives refused to transfer me to the Fraud Department or the XXXX Department for assistance with this issue ; multiple incidents with rude, unprofessional and uneducated representatives representing TransUnion ; I have also been told by TransUnion representatives that TransUnion was aware of this issue but, refused to correct it or provide a resolution to its consumers that were affected by this glitch or TransUnion error.

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 2018-05-29
Company: Social Finance, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had a private student loan with SoFi that i switched over to them a couple years ago once I took it away from XXXX XXXX due to a better interest rate. I was paying on it on time for awhile and then I got a new job in a completely different industry. At that time, I had to take a significant pay cut until I would build my book of business. ( sales ). I ended up putting the payments on deferment multiple times because i just couldn't afford it. I ended up getting a promotion and have been trying everything possible to get this rectified. SoFi ended up sending me to collections and they don't understand what I am trying to do. I have explained multiple times I am trying to either have SoFi take the loan back so I can start making payments again or allow me to consolidate with another lender in order to go back to paying monthly. The problem with finding another lender to take over the loan is every one of them instantly deny it due to this loan being in collection status. I have reached out to SoFi and they dont know what to do either so I am lost. I have made a few {$500.00} payments with the collection agency as well who won't stop hounding me daily and they just keep telling me to pay the full amount off which isn't possible without consolidation from someone else. Please help, I am able to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN LOAN SERVICING , LLC continues to use the United States Postal Service to mail fraudulent statements to me on a monthly basis, claiming I owe them over {$500000.00}. I never contracted with OCWEN LOAN SERVICING , LLC . They continue to telephone on a weekly basis demanding unsubstantiated amounts, usually in the range XXXX of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive notice from this company of my right to dispute this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to make a complaint against Carrington Bank. XXXX XXXX XXXX sold my mortgage to this company in XXXX of 2015 with no notice to me. Carrington Banks has increased my mortgage payment with no explanation. When I try to call to ask, they claim it is because they need a " two month '' cushion for escrow payments. They have also consistently made sure that my payment is late, either by telling me that my bank account is not valid and then locking me out of my online account. These actions then force me to call Carrington and pay by phone which costs an extra XXXX dollars + the XXXX dollar late charge + the 30 day late payment on my credit report. Plus Carrington, then sends letters that they are starting foreclosing process on certain dates because my payment is late. I would like to refinance to get away from this company, but Carrington has made it impossible to do so because it looks like I am constantly late on my payments. PLEASE ADVISE HOW TO GET AWAY FROM THIS COMPANY!! 
I know I am not the only person to have these problems. If you look at the complaints on XXXX and other various online sources. There are many people facing the same issues. This mortgage business is not even BBB verified!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Self Financial Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In the beginning stages of the pandemic, I was unable to pay the loan amount monthly. I do not owe anything to this secured loan, but it is reporting two negative payments on my credit reports and bringing my score down drastically. I feel that is predatory and immoral. My financial situation is much different now, yet there is nothing I can do about to reopening this account and continue making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to me.

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 2016-10-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Several years ago I had a loan modification done on my home with Ocwen loan services LLC. Apart of that was a balloon payment at the end of the loan. It would be based on the value of the house at the time and the loan had a 6.875 percent interest rate. XX/XX/XXXX I decided to refinance my house hoping to reduce the interest rate. So i contacted my bank XXXX XXXX on XX/XX/2016- XXXX XXXX of XXXX XXXX Calif . They came by and did the appraisal of the house for XXXX XXXX. A couple of weeks later I was contacted by another appraiser wanting to appraise the house and asked who ordered the appraisal. I was told Ocwen. Since i was not contacted by Ocwen with their request i said no. I immediately contacted XXXX XXXX, they contacted Ocwen and offered to send them a copy of the XX/XX/2016 appraisal for their use.Ocwen agreed and have been sent the appraisal several times. Ocwen has used every excuse possible, from " they had not received it '' to " they needed it in color ''. Now their current excuse is that " the appraisal has expired ''. It is XX/XX/XXXX and this started in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company Put multiple & duplicate items on my credit reports, they have never provided me with a signed contract or any validation of debt, dates are inaccurate and that the debt owed is owned by them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: DISCOVER BANK
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX as was looking to consolidate my mortgage and my equity line. Knowing this was going to put me near loan to value I specifically asked XXXX XXXX, Doscover Home Loans Officer, about the mortgage insurance. I was assured that it would automatically drop off after five years. Now I 'm told he lied to me by XXXX and that I will have to pay it until XX/XX/XXXX unless I pay the mortgage down to XXXX. I have the specific emails where this was discussed. He even added that it could possibly come off after XXXX but only if I have the loan value down but assured me that after 5 years it would drop automatically. Attached is the email. Now I am stuck paying mortgage insurance for a long time and negating the savings of combining my to loans. It appears that this was possibly just someone trying to close deals to meet quotas and not being concerned about the customer. And yes I am now show. The document I signed at closing. While I am sure the closing attorney XXXX XXXX went over this document I had already made sure I was up to date on the mortgage insurance issue by discussing it in detail with the loan officer. I would like to know what my options are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
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:
There are accounts in my report that are clearly in violation of FCRA but is still reported. The data are inaccurate, outdated and therefore considered fraudulent!

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts in my report that are clearly in violation of FCRA but is still reported. The data are inaccurate, outdated and therefore considered fraudulent!

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 2015-05-15
Company: DISCOVER BANK
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover Credit Card, XXXX XXXX XXXX, XXXX, NC XXXX, raised the minimum amount due without notification. When I called to see why, they offered me the opportunity to discontinue using their card by closing the account, thereby, the amount I was paying would be owed until the card was paid off. The next bill reflected the new rate amount. When I called, I found that they had scammed me by stating the new amount had to be paid and the credit card had been closed. I sent them a letter of dispute. Meanwhile, the next bill came yesterday and it reflects the new rate with " include past due amount '', with a warning of a {$35.00} late fee and the APR will increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other

Complaint:
My issues with DFS/ Discover Credit Card came about from a simple inquiry and upon making that inquiry and array a very unpleasant situations took place and I am a very wary and unhappy DFS- Discover Credit Card member. IMO, DFS does not does not document ( provide documentation ) that is sufficient enough for those who chose to use their CC. Back in XXXX to XXXX, I found that I was not issued ANY statement AT ALL- there are 4 months of ZERO documentation, not even a electronic message- NOTHING that provides information in regards to card activity ( or lack thereof ). Granted YES, I understand that due to inactivity, some CC companies/ financial institutions will opt for not providing a statement, however ; I do believe that this needs to be stated prior OR should be CONVEYED to the credit card holder in the membership terms and agreements documents. DFS has failed to do so. Furthermore, upon viewing various statements- there are simply charges that DFS will indicate as ( ONLY ONE EXAMPLE ) - TRANSFER BALANCE- MISC. I am writing this because, I WILL NOT BE PAYING DFS- DISCOVER CC for such " items ''. I have contacted DFS SEVERAL TIMES about this problem- I have also brought this issue [ PARTICULARLY, the FACT THAT IT IS QUESTIONABLE TO ME WHY I WOULD HAVE 4 MONTHS OF STATEMENTS THAT ARE NOT RECORDED/ DOCUMENTED ] up when speaking with the Customer Advocacy Executive , XXXX- when speaking to him in regards to the first complaint that I had issued to the CFPB. According to XXXX, DFS- Discover Credit Card is not OBLIGATED to provide statements, and furthermore, informing DFS members prior/ or in the Cardmembership agreement is not really their responsibility- this is of course, what I personally, got from his wording during our conversation. I have the entire phone call between XXXX and I recorded, however ; due to the fact that I had informed XXXX that I would be recording our conversation, and him responding by clearly stating that I did not have his permission to do so- his response will just have to be up to debate between him and I, since this is essentially just TWO people hearing/ saying one thing, while the perception of that one thing can ultimately be up for debate. I am going to end this by stating that I WAS COMPLETELY UNAWARE THAT ONE SIMPLY INQUIRY IN REGARDS TO ME ASKING DFS TO KINDLY LOOK INTO A MAXIMUM OF A TWO HUNDRED DOLLAR DISCREPANCY, COULD TURN INTO SUCH AN ORDEAL. I am reaching out to the CFPB for its assistance, unfortunately, I am having difficulty trusting DFS/ Discover CC yet I am unable to cancel my account because I AM afraid that ALL OF MY DOCUMENTATION WILL NO LONGER BE ACCESSIBLE.

Company response to consumer: Closed with explanation