BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband, XXXX XXXX  XXXX  XX/XX/2022. The XXXX Capital One account was paid in full in XXXX of this year. XXXX XXXX had charged {$65.00} to his account while he was in XXXX and they refunded it back to Capital One shortly after the account was paid in full. I verified with Capital One that they had received the credit back to his account over XXXX months ago. I am still awaiting the refund check to me. There is absolutely no reason for them to keep my funds this long. I appreciate any help you can give me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: OH
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:
Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX Balance : {$0.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX Balance : {$110.00} CPS/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 2023-05-15
Company: EQUIFAX, INC.
State: MO
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:
As I investigated my credit report, I found out that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX XXXX XXXX Balance : $ XXXXI requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX  Balance : {$0.00} :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NC
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: DISCOVER BANK
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX I submitted a compliant with the CFPB on Discover Card for them denying me credit with their company because on XXXX I submitted an application for a credit card. About XXXX to 1XXXX XXXX later I received an adverse action letter that was dated XXXX with the denial reason listed as : STATUS OF EXISTING/ PRIOR DISCOVER CARD ACCOUNT. Discover failed to give a reason of understanding for the adverse action letter, and may have committed fraud because in there response to the XXXX complaint they mailed to me a separate reason that stated about an prior account that I had with them back in XXXX of 2018 when the account was closed due to the following reasons : TIME SINCE UNSECURED LOAN OPENED , % OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON REVOLVING ACCOUNTS, LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED. The previous account never carried a negative history and I'm not understanding what the previous account being closed for the reasons above have to do with me applying for a new credit card especially given the fact that my credit profile has changed from XXXX of XXXX  until now, I never was in collections with Discover and the card had a XXXX balance. When I called XXXX at the XXXX XXXX XXXX XXXX XXXX and left a message for her to explain the reasoning, I never got a response back from her office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The co-borrower and I have requested in 2 separate official occurrences to have escrow payments removed per being under 80 % LTV on the property. We have been denied twice, elevated to some level of management per the last submittal to remove escrow ( for a 3rd attempt, recently denied ). The first occurrence was denied due to not having an in-house appraisal on file ... This was erroneous as they just ordered an in-house appraisal to remove PMI insurance due to being under their requirement of 80 % LTV. Which was approved in XXXX of XXXX. The in-house appraisal order by PennyMac had a confirmed appraised value $ XXXX, currently mortgage balance of {$150000.00}, subsequently placing current LTV at 66.8 %. Thus, we submitted again ( 2 attempt ) to be denied again and elevated to management per our request as stated in the aforementioned for the 3rd review. We then were denied essentially a 3rd time as it was conveyed because the mortgage is deemed an investor mortgage and as a result, the original purchased price ( $ XXXX ) has to be used. Current LTV would then be placed at 85.9 % based on using the original purchase price. Hence, per their opinion, the mortgage and home value ( original purchase price of $ XXXX ) would not result in the removal of escrow payments, given the LTV guideline to remove escrow payments related to the perpetual requirement of paying one 's required real estate taxes for the borrower has not been met. My concern is their policy is not congruent with previous policy requirements. As they used the new appraised value to remove PMI but not for escrow. Certainly, feels egregious and not client friendly nor consist with one 's own policy, PennyMac 's policy to be clear ; to assess and opine on a tangible market value across their portfolio for various mark to market requirements/governance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Please refer to previous complaints that I submitted they continuously violate the law!! 
As per the FCRA you refusal to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly DELETE AND BLOCK the Inaccurate disputed information. 

Additionally, as per the FCRA, you are liable to me for damages for your conduct, in addition to your deletion the disputed fraudulent accounts, You are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 
Be advised this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I repaired my wife 's bosses roof since the first guy he paid to do it messed it up even more. Well when I finished the banks were closed and he said all he had was venmo he could pay me through that so I downloaded the app and he sent me the {$500.00} went through without a problem but then I tried to link my bank and debit card to get the money out and it said that bank was not accepted so I bought but to transfer to my account in which they said that it would take 24-48 hours to verify my identity and everything so my wife 's cousin said she also had venmo I could send it to her and she would pay XXXX  I went to sell my XXXX back and then was notified that it would be 5-7 days before I was paid for the XXXX which every single other platform I ever sold on was instant so after that I got a notice on my account that it had been suspended for suspicious activity. I asked in live chat what it was for and what was suspicious when they took my money in 6 secs to pay for the XXXX but 6 days to pay it back they could not give a a straight answer so the next day i called them only to be told tjay the department of specialist that was handled my case could only be reached by email and had no phone amd that they did not have access to why i was suspended i had to wait for emails that took 3-7 business day for a response each time then i got a email from the so called specialist that my case had been escalated to some other specialist and that they would email me in 7-10 business days. So now I am a week into this with still no answer or reason as to why I can't access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The home that i lived in was foreclosed. Representatives from Wells Fargo changed my locks and removed everything We owned.

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 2023-12-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My accounts were being accessed by someone other then myself and i wanted to close accounts over the phone, they said i could not until i spoke with there security team who could not resolve the issues from the beginning. I have a terminal medical condition and try to avoid going physically areas with due to that fact that i am susceptible to becoming seriously ill. i do not wish to talk to there security team to simply close accounts and made multiple phone calls but it only ended in them taking in circles keeping me from closing my accounts and causing more stress then need be. There is not a significant amount of money in the accounts to begin with. Their systems put my personal information out to the world so i do not wish to bank with them anymore and just have my accounts closed that have been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX- XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 to the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy.15 USC 1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation