BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called Capital One regarding my Venture Card to understand the rewards program.

I earn 2 points for every dollar spent using the card, straight forward, easy to understand, no issues. 

Where I have the problem is I could not find any information on the point redemption values. I logged into my account on capitalone.com but there is no information listed for the value of my points for cash back, purchases, etc. 

I spoke with several agents on XX/XX/XXXX and they informed me that I need to call in to learn of the redemption point values. I believe this information should be prominently shown on their website ( or terms and conditions in the card agreement ) so all consumers know the value of the reward program. The agent informed me of the following cash redemption values : Cash credit : 100 miles = XXXX cents XXXX purchases : 100 miles = XXXX cents Travel purchases : 100 miles = {$1.00} Previously in XXXX, I used to get cash credit of 100 miles = {$1.00}. I was never informed that my redemption point value changed from {$1.00} to XXXX cents. Capital One changed my reward without notice, and continued to charge an annual fee of {$39.00}. 

Capital one should not hide these point redemption values where customers may be unaware of the value of rewards program. Instead, Capital One should be completely transparent of the point redemption values on their website, T & Cs on card agreement, and all marketing materials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had multiple accounts with PNC. Today, I logged into my account to deposit a check only to find that all but XXXX of my accounts have fully disappeared from my profile along with my money. I did not authorize any closure or transactions. After signing out and signing back in multiple times, I realized this is not a glitch but theft by PNC. I messaged a customer care representative through the app. XXXX could neither troubleshoot the issue nor restore my accounts. I dont know where my money is and that makes me feel very vulnerable and afraid. No financial institution should ever do this to their customers. Nobody should ever go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is attempting to collect on a debt I do not owe. I have not been aware of this debt. I have not received any letters or phone call from this company. And now it's on my credit. This is a violation of my 30 day right to dispute!

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 2021-12-08
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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: Account status incorrect

Complaint:
I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XX/XX/2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST 8 OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS EXPERIAN. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX XXXX INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED EXPERIAN AND XXXX ( HAD THE ISSUE PARTIALLY RESOLVED )

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 2022-05-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
want the XXXX XXXX XXXX from all 3 burs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contrary to XXXX XXXX bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of XXXX XXXX it appears according to CFPB bank examiner documents that are attached : XXXX  IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, XXXX REP at the time of transfer to XXXX. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT

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 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY XXXX ' XXXX XXXX XXXX - XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
A month ago I reached out to Transunion about getting some unauthorized inquiries removed from my credit report. 

I also reached out to XXXX and XXXX about the same inquiries and they removed with no problem. 

I was informed by Transunion to contact the original creditors about the inquiries. When I did they told me to contact Transunion. Im tired of the run around. Transunion is slowing down my abilities to qualify for a mortgage. 

Here are the inquiries in question : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

With that being said Transunion can simply delete the inquiries or give me {$1000.00} per unauthorized inquiry.

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 2022-02-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Another piece of evidence that PHH operates above the law and actively participates in bad faith business practices. 

1 ). On XX/XX/2022, I received ( via certified mail ) letter from XXXX XXXX XXXX c/o PHH ( see attached Exhibit A ) in response to my Loan Modification appeal ( " new '' loan modification monthly payment was an estimated double monthly payment - too high ). XXXX XXXX proposed a lower amount and gave me 7 days to respond ; 2 ). On XX/XX/2022, I emailed XXXX XXXX ( see attached Exhibit B ) stating that I received her letter on XX/XX/2022 and that my 7 day window started on XX/XX/2022 NOT XX/XX/2022 as listed on her said letter ; XXXX ). XX/XX/2022, I received an email from XXXX XXXX  c/o PHH ( see attached Exhibit C : demanding payment by end of business XX/XX/2022 ( no listed payment amount or source contract depicting agreed to payment simply no payment amount ). Further, in the event that I didn't make said ghost payment " we will not review the account for a modification ''. I called XXXXXXXX XXXX ( XXXX ) XXXX and left a message on her voicemail ; 04 ). On XX/XX/2022, I did response within the timeframe to XXXX XXXX 's XX/XX/2022 letter ( see attached Exhibit D ). 
PHH is acting as a debt collector NOT a mortgage servicer who has been tasked to help homeowners, such as myself, through the complicated loan modification process.

PHH continues to prolong and delay said loan modification process by 1 ). NOT having a single point of contact - I have never spoken directly with my " assigned '' XXXX XXXX. 
XXXX XXXX didn't send the aforementioned XX/XX/2022 email XXXX XXXX XXXX  did. Who is XXXX XXXX? I have know idea as I never knew of her existence prior to XX/XX/2022 email. 
My loan modification paperwork has been lost and not mailed previously. During this whole process, I have had a active Trustee 's sale date over my head. I have had strangers coming to my home because of the Trustee 's sale date. I don't know if XXXX XXXX is an real estate attorney however that is dual tracking as depicted in California law.. PHH 's customer service reps are NOT qualified to deal with people 's homes. This has been nerve wracking and certainly not good for our mental health. 
I just want to keep my home, get an affordable loan modification and move forward from this financial hardship. I hope we are close to resolve this. I have also be approached by many real estate attorneys who are telling me PHH/XXXX have been sued many times for just what is going on with me here. Just search Consumer data base and you can see all the complaints against PHH/XXXX XXXX 
Again, I just an affordable loan modification payment and to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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: Their investigation did not fix an error on your report

Complaint:
I pulled my credit reports XX/XX/2019 I couldn't believe that it was Multiple inquiries reporting with the same date of request being that every time a mortgage lender or auto dealer would ask to pull my credit report and i would deny them because i thought it would hurt my score they told me " No you have a 15-45 period to shop for houses and cars only '' I obviously l was lied to by someone but i didnt know who until I did my own research AND I FOUND OUT THE MORTGAGE LENDER WAS RIGHT AND THE CREDIT BUREAUS WERE NOT DOING THERE JOB I have XXXX inquiries on my credit reports over a two year period - SOME EVEN REPORT PAST 2 YEARS!!! 

I Started My Challenge to the Credit Bureaus On XX/XX/XXXX on what I thought would be a reasonable negotiation to delete all inquiries that were not dedupe correctly on my report to be deleted. SILL TO THIS DAY I HAVE NOT RECEIVED AN ADEQUATE RESPONSE FROM EITHER BUREAU I AM COMING TO YOU FOR RELIEF.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: MI
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, 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

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 2019-07-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX incorrectly listed an account in my name as 30 days past due. XXXX XXXX fixed the error, and notified the Credit Reporting agencies that is was fixed. It it still showing as a recent past due account and affecting my credit score and ability to get a good rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: United Collection Bureau, Inc.
State: MI
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:
Hello I am writing this complaint against a collection company by the name of United Collection Bureau located at XXXX XXXX XXXX, XXXX, OH, XXXX, and for violating my HIPPA Rights. I recently sent the company a debt validation letter and in return they sent me a list of my private medical records on XX/XX/XXXX, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I received treatment from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, MI, XXXX, on XX/XX/XXXX. I completed payments in full for my treatment on XX/XX/XXXX and was paid directly to XXXX XXXX XXXX in the amount of {$1100.00}. I also did not authorize XXXX XXXX XXXX to release my personal medical records to a third party company. I am extremely upset that my privacy has been violated and would like for this information to be deleted from my credit file on all Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an address reporting on my reports that has never been associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 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

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 2021-02-17
Company: EQUIFAX, INC.
State: OR
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 3rd complaint. Equifax is reporting accounts to my consumer report without my authorization. They are in violation of many federal laws. This account was deleted from my report and then put back on with out any notification thats another violation. I am highly upset that I am being taking advantage like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
All my accounts were closed overnight in XXXX 2017.
Referencing my credit reports with Chase : - Never had any late payments - Active customer with more than US {$30000.00} spent in past 12 months After contacting the bank to request for an explanation, I was told the only information that could be provided was the letter sent to me ( attached ).
This action by Chase has severely impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit reporting agency can not furnish an account without my written instruction.

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