BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX hit my family hard and as of today we are still struggling way to much and we got XXXX  again! I have XXXX currently working on paying the back balance that processes they do to get this done takes forever but they are in the 2nd and final stage then paying the back amount will be paid soon! My mortgage company XXXX have been told this already and have been given then account number and they told me awesome great because they know I'm in this program with the XXXX  and XXXX  can't wait they want want want and the hell with that! I'm struggling my husband is still.out of a job 2 kids family of 4 and I'm almost am about to XXXX XXXX XXXX  to become an XXXX and now XXXX are being ridiculous! XXXX  is taking care of this but anything else that can help me get through I will.sign up for!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: VA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This keeps coming up on my report and it is inaccurate info. This was for XXXX  and no money was owed. This company started harassing me, calling me early in the morning, late at night. It keeps showing up on my credit reports as late payments. Its first showed up over 7 years and now it is showing again as a 2 year negative account. 

It last was reported again in XX/XX/XXXX as a chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Late fee

Complaint:
I applied for a Capital One Credit Card online and received it w/ a {$3000.00}. limit. 
This was about XXXX. I wanted to take cash out and the ATM refused. I called and although I verified all the information, they xfered me to the Fraud Dept. because they think I am not who I say I am ( although I am and I have sent them the documents to prove it ). For awhile I was able to use it at stores as credit but then they restricted that. I kept going online to see when the first payment was due and all it said for the longest time was that the account was restricted. Finally it gave a due date of XXXX/XXXX/15 w/ a {$26.00}. minimum payment. I mailed {$50.00} at the end of XXXX but it never showed online. On XXXX XXXX I called and spoke to a man ( I think he said he was a detective but he is n't a very good XXXX ) and asked him why my payment was n't posted. He asked me the same questions over and over and I just wanted to know why my payment was n't posted. Well, he found the payment, posted it but he did n't backdate it and they charged me XXXX in interest and a {$25.00}. P/D fee. I have written them numerous letters and spoke to the Fraud Dept. several times but for some reason they think this is fraud and they have restricted the card and ruined my credit report. I have never denied the card is mine or the charges. I am making my payments on time. I have done everything to clear this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: SC
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:
( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX  ) My personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-01-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX ; XXXX continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. Credit Reporting Agency continues to damage my Character and has caused a great amount of discreditability to my name. Equifax and XXXX continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
After going through all my credit card statements on all of my credit cards I identified several fraudulent charges over and over from the same merchants and some a few different merchants but all related to the same person or persons that were able to steal my credit card information and fraudulently use it. I have paid Capital One for these charges and have paid interest on them as well. I immediately notified capital one on all the charges that were fraudulent and felt confident that these charges would be automatically credited back to my account as they are obviously 100 % fraudulent and have been charged to my other cards as well. The other cc companies did their investigations and did conclude these were fraudulent. Capital One on the other hand treated me like a criminal and flat out Denied even opening an investigation into this. I asked to talk to a supervisor by the name of XXXX  XXXX XXXX  XXXX ( Fraud & Dispute Manager ), he was extremely rude and told me why I waited so long to report these I said between Covid and everything there was to to much going on at that time. I asked him to reach out to the companies that charged my card through XXXX and ask why the charges were made and to ask for a receipt it and kind of product or service they allege I bought. He wouldnt do anything he told me Im not going to do any of that and basically told me to bad. I did not make these charges nor did I do any business with these companies these are not a disputed item or product these are full fledged Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
They did not remove the debt against home after it was discharged in bankruptcy for Chapter XXXX over 2 years ago. Have sent letter asking to vacate the credit card debt lien from home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I used the capital one mobile application to make a payment on my capital one quicksilver credit card. I noticed a day later that they actually planned to charge me XXXX different times but assumed it was just a mistake. Capital one then charged me XXXX dollars XXXX times and XXXX dollars a third time. I called them about the charges and they said it would take XXXX business days to refund me the accidental charges. The payments overdrafted my bank account which caused me to be charged with overdraft fees since they charged me more money than I actually had in my account. I deposited XXXX dollars so I wouldnt owe as much but I am still negative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX, XXXX a certified letter was delivered to Kohl 's to validate a debt that was on my credit report. I did not receive a response from Kohls within 30 days. I sent Kohls a non response letter on XXXX XXXX, XXXX I sent a no response letter. I have yet to hear from Kohls but I am now hearing from XXXX on behalf of Kohls debt. Kohls transferred my debt during the XXXX. timeframe. Which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
incorrect accounts showing as delinquent. Disputed debts but account keep reappearing and is impacting my ability to get credit cards and approval for rental homes and cars.

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 2022-10-20
Company: Experian Information Solutions 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:
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX  XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( 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 2016-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I HAD A CAR LOAN THAT WAS ALWAYS AND STILL IS CURRENT, BECAUSE OF PARKING TICKETS THE CAR WAS TOWED BY THE CITY OF XXXX.THE CAR LOAN HAD ALWAYS BEEN CURRENT.IN ADDITIONAL TO PAYING THE TICKETS I HAD TO PAY XXXX FOR A VEHICLE LIEN RELEASE,XXXX FOR AN ADDITION STORAGE FEE AND NOW I AM BEING BILLED XXXX ADDITIONAL DOLLARS FOR A REPOSSESSIAN FEE.THE CAR WAS TOWED FOR PARKING TICKETS, THEY AND THE GARAGE STORAGE FEES WERE PAID THE SUBSEQUENT XXXX XXXX AND XXXX ARE FOR NOTHING, I I WANT CAPITAL 1 TO REMOVE THE FEES OF XXXX AND REMOVE ANY REFERENCE TO A PEPOSSESSIAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX ( Opened : XXXX. XXXX, XXXX, XXXX XXXX : {$25000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am a financial coach. Yesterday ( XXXX/XXXX/2016 ) I met with a client who was turned down by his credit union for a credit card, based on the CU 's review of his Experian credit report. We went to experian.com and tried, unsuccessfully, to obtain a free credit report based on denial of credit. He then tried by phone, going through a lengthy series of questions - including verification that he was requesting the report due to denial of credit. He got to a point that the only next step offered was to enter credit card information to be charged {$7.00} for the credit report. I later tried myself, using an alternative phone number from experian.com, and had the identical experience - same questions, same demand for the {$7.00} payment, same absence of any way to speak with a real person. I paid for the credit report with my own credit card so that my client would receive a report in the mail, and later called Experian to explain the problem and dispute the charge. ( How I connected with an actual person is another story. ) I spoke with a representative who said she would report the phone system problem and refund the {$7.00} charge on my credit card. I am reporting the problem to the CFPB to improve the chances that Experian will address the problem. ( The identifying information provided in the next step is my own, not my client 's, as I do not have his permission to use it in this context. )

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 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
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:
My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA

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 2022-10-20
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I had completely paid off my federal student loan of about {$9000.00} during COVID while I completed my XXXX program. I called the loan contact number to see if I could get a refund of my payments and then apply for student loan forgiveness. I have waited over 1 month and have not heard back. I have not received the refund for my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

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