BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX/XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.

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 2016-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage from Capital One. In early discussions I told the consultant that I was in the process of deciding if I should buy a house now and take a new position within the same company later in 2016 and wanted to know what I could qualify for at this time. I completed the loan application and was told by the consultant that she would not complete the application until after I had applied for, been offered and accepted the new position and had been in the position for 2 years. I did not receive an appropriate declination letter and I do not believe that I would have been declined with my income and my credit score. the consultant decided on her own that it would be better for me to apply when I had XXXX a year income rather than XXXX a year income. that way I could buy a larger house, take a larger loan and increase her commission on the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: KS
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 have been trying to remove a freeze that we did not place. We called XXXX, and they told us to fax in documents including birth certificate, drivers license. We faxed it and waited. Called back and they say it was never received. Our send sheet showed it was received on their end. Called again, but they deny ever getting it. Then they said it was in the stack but they were running behind. Nothing. We called again in XXXX and they said we had to mail the paperwork. I sent it by Priority mail and it was signed for on their end. They deny having it. It was signed for by their agent on XXXX XXXX, Called again and they deny having it. We repeatedly told them their agent signed for it on XX/XX/XXXX. Asked to talk to another agent. He said they should have it, just running way behind. Its now XXXX and they still haven't done anything, and suggest mailing again. We can not proceed with a home loan without the XXXX report. We need help dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have submitted a FTC Identity theft report to each company and collection agency due to identity theft and they still are reporting the account and calling me. I have also sent the police report and ftc report to each credit agency and they are not helping with this situation saying the collection companies have to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: CT
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Got an alert from credit monitoring for a new collection account Midwest Recovery Systems for a supposed payday loan account that I never took out for {$760.00}. I received no debt validation in the mail and do not know who this is or what it 's for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a no monthly fee account " VNB ( R ) MY CHOICE CHECKING '' with Valley National Bank but last month they converted the account to " PERFECT CHECKING '' and charged me $ XXXX monthly fee without any notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My new mortgage company, Penny Mac, misplaced many of my mortgage monthly payments. The payments were placed onto my mortgage escrow account instead. It took countless effort from my part to finally have Penny Mac acknowledge their mistakes. Penny Mac fixed the mistakes made to my account, however, they reported me late to the credit bureaus and have not taken action to correct this matter with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address I have never lived at XXXX XXXX XXXX XXXX XXXX AZ XXXXI have never stepped foot in the state of Arizona. Yet it was listed as an address of residency on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's happening there at the CFPB and to Transunion? This is so incredible! How can you guys ignore these numerous complaints? I know I have specified this again and again but I have given in to this complaint several times already and I have attached all the evidence and documents necessary such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website and the Police Report I filed on my local Police Department to demonstrate that I'm an identity theft victim. What else do you guys need?! PLEASE DO NOT DISREGARD my request and DELETE the accounts which I do not own. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}

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 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My husband and I lost our jobs last year and have been unable to keep up with our payments, and I contacted all of our creditors to explain and ask for relief. My husband 's total income for the job he started in XXXX and was let go from in XXXX was around {$5500.00}. We are two months behind on our rent and barely keeping up with other bills. All of our other creditors have been working with us and not harassing us except for Kohl 's. I have called several times to explain our situation and have been verbally told to not make the XXXX payment and just wait to make the following one. Then I was told not to worry about the XXXX payment, just wait and make the next payment in XXXX. Even though the payment plans have been set up, I am still receiving ro-bo calls multiple times a day an leave messages. When I call AGAIN, they apologize and promise AGAIN that I will not get anymore calls but I do!!! I'm doing the best I can, but I am XXXX with XXXX , my husband was medically XXXX from the XXXX XXXX in 1985 and is 60 % XXXX. He receives $ XXXX/mo XXXX from the government, but I receive nothing because I did not pay into Social Security for the past 10 years, since I can't even work!! Can these harassing calls please be stopped as soon as possible. Once my husband begins his hob later this week, we should be able to catch up in a month or so. If you have any questions or need more information, pplease feel free to call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XXXX and they were listed as a creditor on schedule f of the bankruptcy petition filed XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Sentry Credit, Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX have violated my rights! 
Account # XXXX in the amount of {$3600.00} & also, Account # XXXX in the amount of {$19000.00} 15 USC 1681 Section 602A States that I have a right to privacy!

15 USC 1681 Section 604A Section 2 States that a consumer reporting agency CAN NOT furnish ANY account information or personal information without the express written consent and authorization of the consumer! This company has NO such documentation from me!

15 USC 1692 Section 805A States that a debt collector may not communicate with the consumer in reference to a collection of a place known or should be known to be inconvenient to the consumer! 
15 USC 1692 Section 806 Section 5 States that causing a phone to ring or engaging any person in a telephone conversation repeatedly with the intent to annoy, abuse, or harass any person at the called number! 
This company has violated ALL of these laws and several more for an extended period of time. Please Act within the full power and authority of your office and rectify these abuses and violations once and for all!!! 
Thank You 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 explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: SC
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 my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX Balance : {$7100.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$540.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX : {$1000.00} ; XXXXXXXX XXXX ( Original Creditor  XXXX XXXX BANK ) XXXX : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My complaint is with USAA Banking. I needed to change my checking account statement date to either the end of the month or the beginning of the month, versus the middle of the month where it currently is at now, for accounting purposes. This doesn't seem like a tall order, nor worthy of the insane effort I've had to put forth to get to this point, but alas here we are. I made the first of several phone calls back in XXXX of XXXX. Most representatives tried to change the statement date but were unsuccessful not offering any other solution to the problem. Twice I was told it was changed but would need to wait until the next month 's billing cycle to take effect. The next month came and it did not change. Finally one representative said he'd been hearing about the problem and would submit an incident ticket number in XXXX of XXXX. I never heard back. I tried a chat and then was told on the phone that this was closed as they tried to reach out by email ( I have no email record of this reach out and I receive and download all my billing statements via email from USAA so not sure how that got missed, and no voicemails either ). I am now being told as of XX/XX/XXXX that my statement date CAN NOT be changed per a new policy. So if my issue had been addressed in a timely manner by competent representatives, this change would have been able to be made BEFORE this policy took effect. The very fact that I can not get this changed now at all is unacceptable, this should NOT be a policy, but the fact that it could have taken place 5 months ago prior to enacting the policy, is utterly infuriating. I have been with USAA banking for 19 years. I am now seriously considering leaving this bank as this is not the first problem I've had with them over the past few years. I don't know what is happening with this company but it is feeling not good.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00} CXXXX XXXX XXXX XXXX XXXX$260.00} XXXX XXXX XXXX {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number 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 explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXXXX/XX/XXXX. {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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