BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX my XXXX XXXX  daughter deposited a {$200.00} check her grandmother gave her for XXXX. However, on XX/XX/XXXX her bank, Capital One, made an " adjustment debit '' for the same amount claiming that the " check [ was ] deposited twice. '' On XX/XX/XXXX, her grandmother asked XXXX XXXX, Store Supervisor of XXXX XXXX, to investigate this matter. XXXX XXXX created case # XXXX and wrote a letter stating that the {$200.00} check was drawn on XXXX XXXX  on XX/XX/XXXX and that " this is the only activity on XXXX  statement for this transaction. '' On XX/XX/XXXX Capital One wrote a letter responding to my complaint. In this letter, they claim that " the check totaling {$200.00} was originally presented to Capital One on XX/XX/XXXX, and then presented at another bank on XX/XX/XXXX. We were then notified on XX/XX/XXXX, by the maker of the check and reversed funds. '' I've asked Capital One several times to provide evidence to support their claim, but they have failed to do so. 

As stated above, the check was written by my daughter 's grandmother using her XXXX XXXX checking account. Capital One 's claim that " we were... notified on XX/XX/XXXX by the maker of the check '' that the check was presented twice for payment is evidently false because XXXXXXXX XXXX has no record of such alleged second attempt. Also, according to the grandmother 's bank statement, the check was debited only once from her account. 

In sum, Capital One pocketed {$200.00} that belong to my XXXX XXXX  daughter making the false claim that the check was deposited twice when in fact it was presented only once for payment at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on my credit alerts that a collection was filed on me in XXXX of XXXX in the amount of {$130.00}. As I always try to protect my credit and am a very busy person i just called and paid the {$130.00}, not knowing it would affect my credit. I am currently in the process of buying a new home and have found out that this collection is drastically affecting my credit score and the debt is actually not mine. I called ProCollect today and the collection is actually associated with my ex-wife 's address ( XXXX XXXX XXXX XXXX XXXX Tx XXXX ). Had I known at the time that it would affect my credit so much or that it was actually my ex-wife 's debt not mine ( see attached divorce decree ) as she was awarded the home in XXXX of XXXX and the collection is from XXXX of XXXX and it hit my credit report in XXXX of XXXX, I would not have paid the small bill. 

Below is the a copy of the collection from my credit report, this is drastically affecting my credit score for a debt that I actually didn't owe ( but did pay to save myself time and because my business keeps me very busy ) and now could cost me thousands in finances costs to purchase a new home. I request that the collection be deleted from my credit 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 explanation
Consumer complaint received 2023-08-14
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX from someone stating they were from Tasman Credit Corp and stated I owed a debt to XXXX. I asked the representative for more information and was told they represented Credit Corp Solutions. They then attempted to convince me that they allegedly sent a letter to a residence I haven't lived in since XX/XX/XXXX and that I was in danger of having the debt on my credit report if I didn't pay immediately. I do not owe XXXX. My XXXX balance shows XXXX. I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX XXXX 2016 I made a significant payment to my XXXX XXXX First BankCard XXXX credit card in preparation for our family vacation in the XXXX Keys. I wanted to have security when traveling ensuring a great trip and no financial worries. I had called to notify the credit card company on the XXXX that I would be traveling starting the XXXX and made a {$3000.00} payment to the card. The money was directly taken from my checking account and available the next day. 
I had never made a late payment on this credit card or any other debt I owe. My credit limit was set at {$4500.00} and had been since I received the card a year ago. 
During the trip, I used the card for everything, then XXXX night we were eating dinner and I went to pay for it. The woman said the card was declined! I told her that was impossible and to run the card again. She said it was still declined so I had to pay with the little cash that I did being with me. 
When I arrived back at the hotel I went into my credit card account to see what was going on. To my HORROR, it indicated that my credit limit had been changed from {$4500.00} to {$2600.00} leaving me with NO money! 
I called customer service and talked with a rep then her supervisor ... .they said that they can drop the limits at any time, and that they sent me a letter that day! They did not care that my family and I were STRANDED and had NO MONEY! 
To say there are no words to describe how enraged I was is an understatement. I can see making an adjustment if need be but when I was on vacation and it was documented in their system that I was on vacation and would be using this card ... .that is totally wrong on all levels of human decency!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
continuing to report a balance on a sold debt is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ) the balnce must be reove at once or a class action law suite will be filed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021, I noticed that I had 13 transactions from that apparently had come from a website listed as XXXX XXXX on my bank statements. The total for these charges after whoever had used my card issued a small refund of {$100.00} was {$6300.00}. This could have been caused by any number of things as I had just gotten back from XXXX XXXX, Nevada the week before this happened, however I made sure my card was on me and in my wallet next to me at all times. It is possible someone used a skimming device of some sort. I filed a fraud claim with Bank of America the same day this happened. two months later and I called the bank again because they had retracted the credit they had given on the date of XX/XX/2021, stating that after investigation I was liable and they would not refund me. I would have tried contacting the merchant themselves, however they did not have a phone line, and the only way to get customer service was with an order number of which I do not have because I have personally never purchased from them.

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 2021-06-14
Company: Unitas Lending, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I, XXXX XXXX, contacted Mr. XXXX XXXX at Unitas Lending LLC to refinance my mortgage in an attempt to remove my ex-husband from the mortgage of my house. I expected to obtain a refinance of the mortgage loan for myself and my boyfriend XXXX XXXX at this address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX. I gave Unitas all necessary information to obtain the mortgage in my name, using XXXX XXXX as a co-borrower. XXXX XXXX from Unitas Lending contacted me on a Sunday night to rush me to watch a video that explained a loan estimate that they required me to sign to go forward with the refinance process. I have the video saved if you need the link, which clearly indicates the online signing of my name and XXXX XXXX 's name is for just a high loan estimate only, not the actual refinance of the mortgage. After the video, XXXX XXXX and I were rushed by XXXX XXXX to sign the so call estimate. The next day, XXXX XXXX received a large packet of documents in his name with a loan number # XXXX from XXXX XXXX XXXXXXXX XXXX. Nowhere in the documents was I listed as a borrower! The documentation shows the complete mortgage with dates due and a payment schedule among many other details. There was no closing, no finalization of the refinance, and no final discussion of approval of any loan. I attempted to contact Unitas Lending but they had failed to respond as of yet. They told me they would call me but after a week, they had not called. They had not explained to me what is going on. This is fraud as I did not authorize any of these actions to finalize this loan, which is an equity loan. I would never sold my place of residence to XXXX XXXX and not be on the Loan myself. I would never had signed any documents had I known this was going to happen. i am a senior and i am XXXX and i was manipulated and taken advantage of because of my XXXX. Please can you help me stop this company from taking advantage of XXXX people. thank you for your time and Help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-06-14
Company: Todd, Bremer & Lawson, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Todd, Bremer & Lawson , Inc. is reporting an account to consumer reporting agencies and in doing do they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 14th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased {$4000.00} in gift cards from American Express which I activate before I send them to clients. American Express no longer allows me to activate the cards which have already been paid for. Their representatives send me on line or through a phone tree and neither solution works - Ive tried numerous times from different computers and phones and on different dates. They will not put me through to a supervisor either so I cant get a refund or use my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
on XX/XX/XXXX Capital one charged me {$200.00} calling it a credit refund charge. I made no such charge and had no interactions or made such a charge. Capital one has done this before, I was unaware of the charge until yesterday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called to try and settle the debt today XXXX and talked to a rep. She did a hardship application and offered me to settle for {$1500.00}. I asked her to settle and delete off credit report for {$1200.00}. She said she would transfer me to someone who was " more lenient ''. That person said no they would not offer me anything different and started telling me I dont pay my bills raising their voice. I asked to talk to a supervisor. She put me on hold for 10 minutes and transferred me to a voicemail that didnt work. I called back and was hungup on. I called back and was transferred to XXXX. He said he is the end all be all of that office and there was no supervisor above him. I asked him about settling and he said he actually deleted the offer and was going to give the offer any more and would not be deleting on the credit either because he didnt have to and they didnt have to offer anything. He refused to let me talk to someone else and just sat there on the phone. I asked how it was legal for them to offer me a offer and just because I asked to talk to a supervisor after being yelled at now they will not offer me a settlement and refuse to ever delete on my credit too. XXXX also refused to tell me statute of limitations and the exact date it went into the office and refused to work with me without any reason at all. They are being very vindictive and retaliatory when I am just trying to settle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-03-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Ive had American Express serve for years for me and my wife, the account was solely in my name. Well on Thursday XX/XX/XXXX i attempted to use my card at the Funeral parlor to purchase keepsake urns for my wifes family, My wife passed away XX/XX/XXXX at the age of XXXX. Well i called the number on the back of the card only to be told my account was locked, ( Wont give me a reason ) Wont give me my money, and is telling me in order to get an answer i have to MAIL a letter to Serve Customer Care. I got NO notice of it closing, they haven't sent me ANYTHING saying why, no email, text letter nothing. 
XXXX XXXX XXXX XXXX, GA XXXX Ive called 5 times because i was in aww that they can take my money, close my account and tell me to MAIL someone, seems odd if you ask me. I spoke to a supervisor named XXXX employee ID # XXXX. He told me the same thing and will not help. Friday XX/XX/XXXX i typed up a letter and sent it priority mail with tracking, i also have notified my local Attorney Generals office for help, emailed a local news source and filed a complaint with the XXXX. Everything i do is linked to that account, Stimulus, unemployment, taxes, bills. They left me in a bad spot at a bad time in my life when my wife passed away. This is not fair for an institution this big to just do what they are doing to me. Please help me. Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-28
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A student loan is holding for 11yrs and 3 months XX/XX/2011 Dept of ed/AIDVANTAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$2100.00XXXX XXXX XXXX Balance XXXX : {$4700.00} XXXX XXXX Balance Owed : {$2100.00}

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 explanation