BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: OH
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 is incorrect

Complaint:
Two renter applications made that I did not make. 
First, application to an apartment or residence XXXX XXXX XXXX XXXX, TX XXXX In XX/XX/XXXXThis was not me. 

Second, application to an apartment or residence XXXX XXXX XXXX XXXX XXXX, NY XXXX In XX/XX/XXXX This also, was not me. 

I dont know if this is identity theft or not, but neither of these instances were applied for by my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Back on XX/XX/19 I made a payment on my CapitalOne QuickSilver card for {$2300.00}. I made the payment via my Debit Card which is what I was instructed to do. In the past I have made payments via my checking account through bill pay and they were put on immediate hold and then have to have the customer service agent conference in my bank to verify and release the hold. I noticed that the {$2300.00} was not applied to my account. I reached out to customer service and was told the payment was put on a 26 day hold. 26 days!!! Was told they have no explanation and there was nothing they could do about it. Asked to speak to a supervisor, was told the same thing. No explanation or reason as to why and their was nothing they could do about it. I asked if we could call my bank and verify funds. Was told no - not with a system generated hold. Asked if they could return my payment, that I would make it in smaller amounts if that would help. Was told no. It is absolutely unfair and possibly illegal to take some ones money, process the payment and then not apply it to the account. 26 days is just ridiculous. I did everything I was told on how to make my payments so there were no issues. I have never had an issue with any of my CapitalOne accounts. No reason why my funds should be held and unavailable to me for 26 days. I did a XXXX search on 26 Day CapitalOne payment holds. Their are thousands of other people out there experiencing this. Some who don't have the means to have their funds being held for no reason do to a system hold. I am contemplating legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX XXXX XXXX XXXX   {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX XXXX {$5000.00} Opened 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 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX I had a XXXX dollar deposit to my Bank of America checking account XXXX XXXX XXXX XX/XX/XXXX the money disappeared and went to XXXX then I had contact the bank then went to the bank and they had no answer other then it was overdraft fees I had a trademark that I paid for but never used it was from XXXX for music that I never submitted. The recent credit report shows that I am liste under. XXXX I am XXXX a woman mother and I also would like to know why my Bank account at XXXX XXXX has a deposit for over {$7600.00} and now he fud are on hold I had a withdrawal tht was not authorized at XXXX XXXX XXXXXXXX  for XXXX and after speaking with them they said there was a month that I did not have the vehicle regardless if I don't even have a overdraft line how can there be a transaction that I never signed for. Can you please advise me what to do so that I don't have any problems identifing myself for purposes of unemployment and any other credit matters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number is XXXX Please respond promptly

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 2023-03-28
Company: Affiliate Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I thought this was illegal in the state of california? 

This is from a medical debt in XXXX from a car accident ambulance ride. This was PAID with my XXXX XXXX card back in XXXX. This was PAID. I have made a request to XXXX to obtain my statement from XXXX. They are working on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: AL
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it on XX/XX/22 as a charge-off. They seem to be able to update the account as a charge-off on my report every month. But they can't send me a response back showing any sort of proof. But I've been disputing it monthly for the past few months.

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 2022-03-24
Company: Ascent Holding Co
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
1. I dont know dates but I took up thinkful in 2020 the company was extremely unprofessional and didnt provide the mentorship as was needed 2. I withdrew because the mentor lied to his company about my attendance when he was never present for them 3. The company handling never sent me info on how to pay online although that is my preferred method 4. I never received anything via mail 5. I have not heard from the company since last year 6. I will be paying the principal balance only I will not be paying interest since they did not give me the opportunity to pay and this will be removed from my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Refinanced a commercial loan and trying to pay off the current loan with the loan servicing company, XXXX XXXX XXXX. XXXX is requiring three to five days to determine the pay off amount which is costing me over {$110.00} per day. Their reasoning is that is takes them that long to review the loan documents. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, I have a XXXX XXXX XXXX that was acquired by Barclay US. My experience has been a nightmare and the company has refused to resolve my issue for over a XXXX 

I've contacted Barclay XXXX XXXX department on the following dates and times ( Eastern Standard ) Phone # XXXX XX/XX/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 My account was transferred from XXXX XXXX to Barclay US and they have refused to grant me access to my online account and I have not received a statement. I attempted to log into the Barclay account using my information from my Gap account that did not work. I attempted to create a profile as I was told the profiles did not sync to the new company. When I try to create a profile I receive an error message that I already have a profile. Then I selected the option to retrieve my username and when I've used my phone number or email address - nothing is sent. I have tried countless times to call and resolve the issue with not being able to access my account online and no one has escalated or taken ownership to resolve my issue. How can I be liable for a bill that I have never seen? 

The representatives have been rude and I have spent countless hours trying to call and resolve the issue with zero support from Barclay. Today XXXX, I called and spoke to XXXX  # XXXX, who then transferred me to a Customer Care Rep name XXXX, who then transferred me to someone from the Securities team name XXXX who became XXXX XXXX XXXX  on the phone and hung up on me. According to the recordings, all calls are monitored - if they allow their representatives to speak and treat customers in this manner they should not be allowed to be in business. These practices are predatory and deceitful and intended negatively impact customers. The amount of XXXX XXXX XXXX I've had to endure this past XXXX is unjust!

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 2020-11-03
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last spring I went to XXXX XXXX XXXX here in XXXX, GA and had XXXX XXXX XXXX. They offered me a no interest payment plan which I accepted. When the Government Stimulus check came in, I contacted the dental office and paid my bill in full. ( I have verified this over the phone with them ). I have since received 2 bills seeking {$190.00} from AmerAssist, the most recent dated XX/XX/2020, for payment of the bill to XXXX XXXX, threatening to turn me over to a collection agency. I went to their website at XXXX and it said they have no business with me. So I called their phone number ( XXXX ) to find out what was going on. The women who answered forwarded my call to a voicemail box. I tried to call back to speak with a real person and was informed that I was unable to complete my call as dialed. I have since researched AmerAssist on line and founded that this is not an unusual occurrence for them. I did not pay them any money but I AM concerned that Seniors may be duped into paying money that they do not owe by this practice. Thank you for your attention in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Approximately 1-2 years ago, XXXX claims to have sold their student loan division. However, I have been paying to two companies : XXXX ( a " loan servicer '' ) and Discover. I have asked both companies for proof of their relationship to XXXX to ensure that I am paying the right entity, and more importantly that I am not paying the same loan twice. I have not received a satisfactory explanation from either, and no documentation at all from Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Account type FHA Mortgage Company reported mortgage payment 30 days late even thought payment was withdrawn processed.Also my account is on auto pay.I was alerted by XXXX of the 30 day delinquency and called the company they indicated there was an error and they sent back the payment.There only resolution was for me to pay manually and pay late fee.This has has to be illegal I've had my mortgage since XXXX  and not have one single missed/late payment because have my auto payment set up.They referred me to contact the credit bureau instead of address the issue directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I took out a construction loan that transferred to a 30 year fixed mortgage with XXXX bank in XXXX. I then had to take out a second mortgage with them to complete the house I was building. My XXXX mortgages combined at XXXX. I made XXXX and my wife at the time made XXXX a year. That loan to income ratio is horrible and I was XXXX XXXX XXXX and did n't know better. 

I built the house, converted the construction loan to a fixed mortgage, and had a real estate evaluation done. It came in at XXXX. All looked good. 

Then the market crashed and my wife left. I used all my retirement to pay XXXX. I rented out the house to pay XXXX. I went broke to pay XXXX. 

I received an offer on the house just a few thousand less than the loan debt. I asked for a short sale. No response. 

Then, they held an auction, and bought the house from themselves (??? ) and never told me anything. I had to declare bankruptcy. I ca n't get anyone ever to answer any of my questions for more than ten years now! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: BARCLAYS BANK DELAWARE
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX made a purchase with the online company " lXXXX XXXX XXXX XXXX '' located in China. 
XXXX delivered to local post office with insufficient address merchandise returned back to merchant. 
XXXX consumer contacted merchant asking for a refund as the merchandise took too long to be delivered and the shipping address was entered correctly online as billing address had to be input. 
XXXX merchant stated they will re-ship to consumer but will need to pay shipping fee. 
XXXX consumer does not want merchandise and would prefer a refund. consumer does not hear back and decides to contact credit card company as this seems as it it may be a fraudulent sale. 
merchant does offer credit but this is after consumer had already contacted credit card company, then merchant denies credit. 
XXXX Barclays sends letter to consumer stating they need more information on case. The letter states that they tried contacting customer on specific dates, but customer has not voice mails or emails. The envelope is post dated XXXX. The letter states customer needs to respond within 10 calendar days or they can no longer pursue case. 
Customer calls Barclays and speaks to an agent they tell customer to send dispute letter with proof tickets and messages to Barclay and that the case will move forward. 
Customer sends letter and screen shots of all of these on XX/XX/2022. 
On XX/XX/2022 customer receives another letter stating credit card company will no longer help customer specifically stating '' we are outside the permitted timeframe to continue this claim through the dispute process ''. 
Customer makes multiple calls to Barclay, but unfortunately is treated with disrespect and unfairness Customer is hung up on multiple times and put on hold for over 45 minutes. Is also told no supervisor can help. On one occasion is told to contact the merchant. Customer had already attempted to contact the merchant. The merchant did respond stating they could not help due to the fact that the credit card company put a charge back on the sale. 
I have attached many documents related to this case. Even though this is not a substantial amount I do not feel a customer should have to pay for merchandise they never received. Credit card companies should protect their customers and Barclays is not working with me at all. At this point they are ignoring me completely.

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 2023-04-24
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the claims of this collection debt many times. I have no knowledge of any of these debt collection agencies. I have only ever received one attempt at them confirming a debt, but that was a only a mailing of a statement with my name printed on it. I have not once seen any physically signed contract or agreement that these accounts were/are owned by me. Some collection agencies even resell the debt to keep it alive and on your record ( falsely and illegally ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I've spent months and months on service for XXXX XXXX XXXX which is now Experian and a top supervisor at Experian XXXX XXXX, XXXX simply told my husband that this is only a product. It's not an accurate report and it's not reliable. My husband also verified incomplete information and contradicting reports from the product and the regular reports.

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 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to use XXXX ( XXXX XXXX XXXX ) to help me keep track of what I owe in taxes for my XXXX. 

I try to connect my account to the service, but Capital One is blocking it. 

I called Capital One and they said they will not allow it to connect. 

This is my information about my account. I would like to connect to this service. Captial One, especially the XXXX business division is a mess and I keep running into roadblocks and terrible customer service and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account XXXX : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name ; XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 a account without my written instructions 15 US C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes.

15 US C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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