BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I  am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my c redit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report as  : 1 .   XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.    4.   XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.   6.  XXXX   XXXX   ACC BAL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.

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 2015-12-04
Company: Nationwide Biweekly Administration, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Been a customer with Nationwide Biweekly Administration for a year. I have lost money in this process due to set up fees, etc. Since your company has sued this company my account was suspended and will be looking at terminating my relationship with this company. I am out more money than I have saved with this program against what they promised me and it is no fault of mine that this company is now suspending business practices. I would like the set up fees refunded to me ASAP. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am having to submit a new complaint for Regions Bank - please see original complaint [ Case number : XXXX Below is my new complaint ( following my previous complaint ) : Initially, I filed a complaint ( with you ) against Regions Bank - and they ( initially ) investigated the transaction and refunded our {$590.00} back into our account - and also sent a letter to you ( CFPB ) confirming that our funds were reimbursed. However, recently - this bank has gone back and reversed this transaction and again took/debited {$590.00} from our account. When we called them on the phone to inquire - they stated that it was because someone overlooked our " supporting documents '' for this transaction ; then they apologized and assured us that they would " most definitely '' place the funds back into our account ( within 1 to 2 days ). However, these funds have not refunded. When we called to inquire about the delay with our refund, we were informed that although there are supporting documents to validate our claim - that they have " changed their minds again '' and suggest that we " go to the merchant '' When we explained, that the " merchant '' should have never even been permitted to take these funds in the first place, since the bank had been notified " prior '' to the merchant 's transaction ( that the merchant WAS NOT AUTHORIZED ) - and also that their bank had cancelled and shredded our debit card to prevent this transaction from happening ... ... a representative from their " Consumer Solutions '' department ( kindly, and without hesitation ) filed a written complaint on our behalf and " escalated '' it to another department. In the meantime, we are patient and inconveniently waiting for these funds ( {$590.00} ) to be placed back into our account. ( PLEASE VIEW ATTACHMENTS - " Regions documents '' ).

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 monetary relief
Consumer complaint received 2016-03-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FCO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FCO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-10-21
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: OneMain Finance Corporation
State: IL
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:
There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit. 

XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Bank inquiry XX/XX/XXXX OneMain financial inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Resurgent Capital Services L.P.
State: NE
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:
XX/XX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

The company has failed to respond with any information to validate the debt they are trying to collect from me but are still reporting the information to my credit report. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TD BANK US HOLDING COMPANY
State: CT
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:
XXXX, XXXX  and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX/Raymour and Flanagan this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2018, upon re-entering PNC Bank at XXXX XXXX XXXX in XXXX North Carolina to inquire about a fee I was charged to cash a check that was drawn on PNC Bank, I was told by the Assistant Branch Manager by the name of XXXX XXXX. XXXX that my check, issued by XXXX, was a fraudulent check. ( The check had already been cashed by the teller prior to my involvement with Mr. XXXX ). I proceeded to ask Mr. XXXX what was fraudulent about the check. He began to tell me that the paper that the check was drawn on was regular copy paper ; that the check was blurred and some something pertaining to the font on the check that raised some red flags. He then begin to proceeded to call XXXX, I presume in his attempt to verify the check. Again, the check had already been cashed minutes before. I re-entered the bank to ascertain the veracity of the fee that I was charged to cash the referenced check. 

One teller told me it was {$2.00}. Another said it was a 2 % fee. I asked if there was a policy available for me to view re : this discrepancy. After I told him if it was a fraudulent check that I've been receiving the check for the past 11 years. Upon apologizing, Mr XXXX continued to tell me that it appeared that the check was fraudulent. I informed Mr. XXXX that he conduct was disingenuous to the customer to make such allegations without providing proof. Mr. XXXX made me as a consumer feel that I was not welcomed or valued. although I am not an account holder of PNC, the check was drawn on an account holder of PNC Bank. This kind of behavior was not only inexcusable, but as an African-American, it appeared to be stereotypical and made me feel that Mr. XXXX was racial profiling me. The two tellers were both XXXX-XXXX. However, I inquired upon Mr. XXXX, how he could tell if a check was fraudulent just by looking at it. 

Originally I went back into the branch, after cashing the check because I was told upon entering that if I did not have an account there would be a 2 % fee or {$2.00} fee. Based on the amount of the check the amount would have been less than the {$2.00} fee that I was charged. However I was then told that it would be 2 % or {$2.00} whichever is greater. I asked if I could see the bank 's policy regarding what I was being either there or online. No policy was made available for me. 

I informed Mr. XXXX that I would be lodging a complaint with the Consumer Financial Protection Bureau regarding his unprofessional and unethical behavior. He then said that the bank 's policy had recently changed. 

As a consumer I felt very humiliated and frustrated at the whole experience. Consequently, I never did get a resolution for what was originally intended. 

All rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a current credit card from Capital One that the terms have been routinely changed on multiple times since it 's original issuance to me on XXXX/XXXX/XXXX. I have formally requested the original card-holder agreement and terms that were issued from the original XXXX/XXXX/XXXX issue date and Capital One has neglected to provide it to me. They only seem willing to provide me with XXXX from XXXX XXXX that accompanied a new change in agreement/term that I was not properly notified about again. 
The reason that I would like the original agreement is because I remember being offered a much better long term interest rate than what has appeared through the last 3 years of statements that I have received and now reviewed online. I believe that Capital One has not adhered to their original issuer agreement with me and has adjusted their rates upwards at a regular interval over the last 3 years to a nearly 24 % purchase rate. The original rate was supposed to be 14.9 % for 2 years, but I do n't see any indication on my statements of a fixed purchase rate over this period of time. 
Capital One also does not have a single late payment from me as I have had automatic payment established with them from the inception of the account which I have adjusted to pay at least double the minimum monthly payment. I usually follow-up with a XXXX payment each month of much more. 
I have a printed record of my latest request for the original XXXX/XXXX/XXXX card issuance agreement by Capital One 's secure online chat service from XXXX/XXXX/XXXX. " XXXX '' was told by myself that I specifically wanted to check on this agreement as I felt that I was duped on the terms and charged much more money. He told me that he had found the original agreement and would send it to me by mail. I told him that I did not want the current agreement for XXXX XXXX in which the terms had once again changed. He told me that he understood that and would send the original XXXX/XXXX/XXXX agreement. 
I received the XXXX XXXX Agreement in the mail yesterday. I think that Capital One is avoiding providing me with the original card issuance Agreement because they have defrauded me of its terms and do n't want me to be able to prove it. 
I demand to be given this original agreement as I am entitled to it as a card member and suspect fraud has gone on against my account for the last 3 years over my APR interest purchase rate as well as the introductory 0 % that I should have received for longer than was applied to my account. I know that I have most likely lost over {$1000.00} in incorrect interest fees applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite 3 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 called Kohls / Capital one in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: LEXISNEXIS
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ny XXXX XXXXXXXXXXXX XXXX e-mail To : XXXX XXXX XXXX XXXX XXXX Ny XXXX Attn : Branch Manager XXXX XXXX XXXX Application has Account Routing #. She is charging For : Lost Credit Cards. I called XXXX to correct problem. I have statement she, s going to correct the problem.. Issue is XXXX XXXX XXXX Account only XXXX Order e-checks. They say, s pay For : Credit Cards out of the e-checks. I sent the money with permission by me as Customer at XXXX fees. {$25.00}. She should have in mail. XXXX XXXX excepted the tracking Form. For : XXXX XXXX. She say, s she did not receive Form. When walk in

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Army and Air Force Exchange Service
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX i was getting weird orders of things i did not order i returned them back to military star then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, XXXX XXXX XXXX XXXX.they say i owe them XXXX, and military star says XXXX in other words different from amount, i have complained too military star that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now XXXX XXXX after 6 months today have taking over XXXX dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop XXXX XXXX and military star stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told military star that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges

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 2017-05-30
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification and was recently denied due   to Ditech stating that I dont fit MY Investors guidelines. This is outrageous!! I searched my Investors website to see what programs the Servicer Ditech has reviewed me for under my Investors available programs to their borrowers and was shocked to see that they completely the denial reason to deny.
For one the streamline modification is only granted once so why they would review me for that program does n't make sense as I even I already know the answer to that decision just by knowing I already had a streamline offered to me by my Investor.
Secondly, the program   XXXX   XXXX   Capitalize and Extend Modification '' if Ditech actually read the guidelines since they are only a Servicer and should be in compliance with my Investors rules and guidelines they would of known that the denial reason of more th  an 6 months delinquent is a false denial.   The following is from  XXXX   XXXX  handbook for this program : The mortgage loan must be at least 60 days delinquent but less than 360 days delinquent upon completion of the disaster related forbearance plan.     I was denied stating that I was more than 6 months delinquent ; as you can see you clearly have no clue of  my Investors guideline s. In addition to you inaccurate denial my lender also has a FLEX program that I dont see I was reviewed for, I want to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
RE : IMPORTANT CHANGE TO YOUR ACCOUNTI received the attached letter today stating that as of XXXX XXXX, 2016 I will no longer be able to make additional security deposits to increase the credit limit of my secured XXXX. I am confused as to where it states in the original terms and conditions, which I have reviewed carefully that the bank can do this. 



I 'm confused as to wh

Company response to consumer: Closed with explanation