BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the XXXX XXXX on XX/XX/XXXX regarding a collections amount of {$2800.00} that has been on my credit report since XX/XX/XXXX. They agreed to contact the collections agency ( it has been under XXXX XXXX XXXX ) and have it deleted. I contacted Experian the next day and disputed the collections item with a copy of the email sent by the hospital. They have yet to remove the item and have said they will not remove it and will not give me an explanation as to why. 
Ive worked very hard on my credit the past year, and this is the last piece of the puzzle that is holding be back from going above 700 credit score. I plan on moving in XXXX and need this negative mark removed ASAP so I am able to rent an apartment.

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 2022-04-29
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a discover credit card. I reported unauthorized charges. Discover did not take my report to them seriously. No investigation was done and they just charged off my account. I paid off tge charge off and now they have black listed me. 

Discover did not protect my account, they damaged my credit and now theyve black listed me. 

Please investigate as it appears I was scammed by discover

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was the victim of a scam.i received an email promoting mystery shopping and i responded to the e-mail.about two weeks later i received a XXXX  envelope with a letter that was on XXXX stationary and a check for {$3300.00} that had a company name of XXXX  XXXX  XXXX XXXX XXXX XXXX ny.and the check was drawn on valley national bank also in XXXX  ny XXXX the letter had instruction that stated.i was to cash the check and after the check had cleared i was to go to the nearest XXXX and purchase ( 3 ) {$1000.00} blank money orders.at this time i did not know it was a scam.when i deposited the check i was a little apprehensive, but when i checked my account about three days later the check had cleared the bank.so i withdraw {$3000.00} from my account thinking everything was good.and i was understanding that a bank will not clear a check and give you cash with out verifying that the check is good when you only have a balance of {$26.00} in your account. now the bank realize they made a mistake and now they are trying to collect that {$3000.00} through their collection dept. can you help me resolve this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. I really feel like the credit bureaus are taking advantage of me by ignoring my disputes. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. Please help resolve this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my reports and noticed you are reporting the incorrect balances, and company names for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because the balances and company names being reported by XXXX, XXXX and Experian are different, this means the account has not been properly verified. Please delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
On XX/XX/2020, merchant XXXX erroneously charged me {$49.00} for a subscription that was cancelled in XXXX. I contacted Capital One to request a refund. Capital One initially processed a refund, then reinstated the charge after receiving a response from XXXX  that it was a store credit and that they had not received my cancellation request. Capital one then asked me to submit a response, which I did on XX/XX/2020 explaining the circumstances under which I'd cancelled the subscription service. 

To summarize, XXXX claimed I never cancelled, even though I did. Looking at their complaint history on the XXXX XXXX XXXX, they have literally hundreds of complaints in recent months of people having the same issue : being charged even though they cancelled, and XXXX claiming they never received a cancellation. 

Additionally, as further proof that XXXX did indeed receive my cancellation, I did not receive a monthly newsletter from them at the beginning of the month in XXXX as I usually did. That's because I cancelled my subscription. I did however get a notice from them approximately 10 days after the monthly newsletter is supposed to go out that they charged my credit card. 

After complaining to the XXXX, XXXX responded that because of the chargeback to Capital One, they have now refunded me in full. On XX/XX/2020 they wrote : " After reviewing your account, I do see a chargeback has been filed with your financial institution. Please contact your bank, as those funds now lies with your bank. '' Even though the merchant is now agreeing with me that they owe me a refund and that the refund has been processed, Capital One refuses to refund me. 

I have been charged {$49.00} erroneously, and I would like this fee along with any interest charged on this fee refunded to me as soon as possible. 

I have attached the " Download Complaint Form '' text document which is a printout from the XXXX  website, and I have also attached a screen capture ( " XXXX '' ) from the XXXX  website. Additionally, I've included a copy of my XX/XX/XXXX letter that I sent to Capital One ( " XXXX '' ) disputing their decision to reinstate the erroneous charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A loan mod package was sent to Wells Fargo Bank re entry department and general fax on XX/XX/XXXX.  See attached fax confirmation. WFB is refusing to review the file stating they did NOT get the documents in time. The sale date is set for XX/XX/XXXX. The documents were received XX/XX/XXXX. They  are stating that the sale date is too close to review the info. The inability of WFB to receive a simple facsimile or simply maintain a file is inexcusable. WFB claims it did not receive the info in time. However, not only did we timely send the information, but a successful fax confirmation was kept as a record. The 37 day time frame was met and yet WFB is still not reviewing the documents.

There is no valid reason as to why WFB is refusing to review the file. A complete modification package has been sitting in their institution and they are NOT providing a valid reason as to why they will NOT review the documents. The 37 day time frame is not the excuse when the documents were clearly there since XX/XX/XXXX. Between the misplacement of the financial documents and the poor communication from WFB, it is clear that WFB simply does not want to review Homeowners file for a possible work-out solution. WFB is denying her a workout request based on inaccurate information and refusing to take remedial steps to provide a qualified homeowner with a solution to save the home. By refusing to disclose details about the modification process, WFB is able to deny request at will without any accountability.. It is very apparent that WFB is discriminating against XXXX XXXX and her family based on their race, ethnicity, and national origin. The events described above are just a sample of the practices that are taking place at WFB. WFB appears to be more interested in foreclosing on her home and selling it at auction to make a profit. It appears that WFBs lack of participation in a meaningful modification review of her file indicates a preference to profit directly from her hardship. XXXX XXXX is demanding that WFB review her file.

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 2020-10-26
Company: SYNCHRONY FINANCIAL
State: MA
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:
Previously filed a complaint through CFPB with PayPal Credit, but it's run by Synchrony Bank, so I'm filing another report for them. It's their website through PayPal Credit. When I try to pay my PayPal Credit online, I get an error - " Sorry, there was a technical error. Please try again later. '' Same thing if I try to look at my online statements! They had to mail out a hard copy of my last three statements. That's a huge violation that I can't view my statements! This has gone on since XXXX XXXX. I called countless times for them to fix it and they haven't yet, as of the XX/XX/XXXX. I was hung up on several times. The website is : https : //paypalcredit.syf.comXXXX XXXX is Synchrony Bank The technical error lies with them, but PayPal Credit was also very rude by hanging up on me several times!

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 2020-10-26
Company: M&T BANK CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a victim of both Hurricanes Laura and Delta. In addition to living 3 weeks in 115 degree heat on generators to run the AC to dry out water-damaged sheetrock & tarping a house with buckets in the attic to catch rain, we had to file complaints with the LA Insurance Commissioner to get our insurance to pay on the loss. In the meantime, my husband lost his job & I lost my office & we got denied for an SBA loan that mightve helped me keep my business open. We paid for a roof on a credit card that we didnt have to save our house while we waited for a claim to settle. When that finally happened, we learned from our mortgager, M & T Bank, that they were going to keep our insurance funds pending repairs. Which is understandable. But ... they said they will pay us when the work is 100 % complete. It did not matter that we are already {$12000.00} in debt for a roof. We are not to receive funds until ALL repairs are made - 100 % of all items listed on the adjustors report. I asked how they can expect us to make repairs with money we dont have when the insurance released money but they refuse to release it to actually make repairs. XXXX said its just M & Ts policy. I was shamed for taking so long to get the checks & paperwork to them until I informed them about having to file Ins Commissioner complaints to get results & that when we got it, M & T got it. We have no jobs, little income, are on deferred morrgage payments for financial hardship from Covid & Laura & Delta. Despite all of this, M & T is refusing to pay out necessary funds to repair our home. We did our part despite hardship to salvage our house & minimize additional damage as best we could, insurance did their part by paying out for repairs, but it has all come to a grinding halt with M & T. We literally can not afford to pay out of pocket for repairs. And they know this because our payments are deferred. How is this legal? How can they do this to people? How can they get away with kicking us while we are down on the ground after these 2 natural disasters? How can they expect us to repair & protect our investment ( & theirs ) if they withhold the very funds we desperately need to do that? We need what little credit we have on our cards to live on. We can not afford to tie them up on repairs while we wait for inspectors to call to set up appts to report back to M & T to maybe or maybe not write us a check to waiting for that check from our sluggishly slow postal service that is recovering like the rest of us to depositing it in our bank to FINALLY being able to use it. Its just impossible. Please help us. All of us here in SWLA from the M & Ts out there. What options do we have? Please tell me what we can do. Please

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 2023-08-16
Company: Experian Information Solutions Inc.
State: MI
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:
Its almost 10 accounts opened fraudulently I attached the police report so you can see the amount accounts and dates they were opened. I did not do this

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-10-22
Company: CITIBANK, N.A.
State: CA
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:
Citi is not applying payments to the highest rate balances after the minimum payment. Instead they are applying payments first to 0 % balance transfer offers before purchase balances. This leads to making it difficult for the consumer to pay off the purchase balances and getting charged more interest than if they were paying off the highest rate balances first after the minimum payment as the card act stipulates. The balance transfer offers are 0 % for a limited amount of time and not deferred interest offers.

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 2021-03-04
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint regarding false and mis-leading XXXX advertising. Company is Geneva Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. NMLS # XXXX XXXX BK # XXXX. 

Company is NOT able to provide the rates advertised on XXXX and 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 2018-02-06
Company: Liberty Holdings, LLC
State: IN
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:
XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!

Company response to consumer: Untimely response
Consumer complaint received 2019-08-19
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today on XX/XX/2019 looked at my XXXX report and seen there was a collection on my Account from Afni, Inc. So I called and spoke to XXXX at XXXX the number that was on my Credit report she not only let me explain to her I do not have no idea what this debt was and I also made it clear that this account is not mine , first off the company has not sent any information to me to know about this debt they are just throwing it on my credit report without any validation , she stated the number that was on my credit file she didnt know who I called I told her I thought this was Afni because that what it states when you dial the number she insisted on giving me another number to Afni because the number I called her on was not Afni but yet she answers the phone as Afni not only do I feel this is shady practices but the fact that no validation was received or it is not my account I want it removed from my report ASAP or I will seek legal action against the company due to their shady practices .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: SC
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 mailed in a copy my dispute letter to experian on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility

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 2021-11-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX OF XXXX {$0.00} XXXX XXXX {$3900.00} ''

Company response to consumer: Closed with explanation