BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: KY
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:
It is totally frustrating to see Equifax Information Services LLC, reports wrong information on my credit report and they do not have proper address to be reached. It really heats my credit and my time and money is unnecessarily wasted following up with this erroneous account information with EQUIFAX and they keep verifying the account without reasonable investigation being done.please take this incident seriously and delete it immediately Account Under Dispute : XXXX XXXX XXXX XXXX - UNKNOWN ADDRESS - previously this account was verified that information is correct but when I went and write a letter to the debt collector they where not at the address that listed on my credit dispute response communication mail. You need to DELETE it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I sent a letter to Caine Weiner asking them to validate the debt. As of XX/XX/XXXX Caine Weiner have fail to respond and they have also fail to update my consumer report that this debt have been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-10-22
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. Credit Collection Services has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which continues to decrease my credit score  along with the creditworthiness

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, I am not getting a refund of {$89.00} from National Bank of Omaha credit card company. I have talked to them on the phone 2-3 times and documented emails agreeing to send this refund. It 's been more than a month and they are still running me around. Please advice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX, we ( spouse and I ) took out a Home Equity Line of Credit with XXXX XXXX. PNC Bank took over our loan several years ago after the mortgage crisis. 
Our interest rates were XXXX 4.00 % XXXX years ago when interest rates were raised a quarter pt. by the FED to 4.25 %. 
We contacted PNC Bank and were told the fee to lock into a fixed rate was {$150.00}. We agreed to pay the fee. 
PNC Bank denied our request to lock into a fixed rate because we declared bankruptcy in XXXX. 
We were never late on any payment to XXXX XXXX, PNC Bank or XXXX. 
I lost my job as a government XXXX XXXX due to sickness and surgeries. I am receiving Social Security XXXX. 
Our credit rating is now good in XXXX. 
We contacted PNC bank and requested a fixed rate on our Home Equity Line of Credit every time the XXXX raised interest rates. Our interest expense on the loan is now 5.25 % with the current XXXX  increase. 
PNC denied us a fixed rate every time because we filed bankruptcy in XXXX. 
Earlier in XXXX we contacted the XXXX Department XXXX XXXX XXXX regarding our problem with PNC Bank. They notified us to contact CFPB because they have no jurisdiction over ( PNC Bank XXXX banks that are not licensed/chartered in NYS. Our loan has been and is for our primary residence in New York. 
The XXXX XXXX and House tax plan eliminates the deduction for Home Equity Line of Credit interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not been able to log on and manage my finances since XXXX XXXX. 
I called Capital One and she she told me it was my browser. 
But i tried everything and its still not working. 
On XXXX XXXX, I called and spoke to a Capital One supervisor. She claimed that their back office somehow dropped my user name and will work on fixing it within 10 business days. 
On XXXX XXXX, i called again. 

I have been informed the male supervisor that he can not do anything else. He have no compassion or care about my situation. 

On top of that he said i have to wait another10 days from XXXX XXXX to see if they can fix this issue. 

How can an online bank do this kind of things to a customer? 

I lost my confidence in this bank. 
Their management team have no emphathy and DOES NOT value customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: NJ
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 believe my credit score has inaccurately reflected my credit history and have I have been unable to get a response from experian as to why. For example, earlier this year, in one day my credit score dropped over 100 points, but nothing changed in terms of accounts, balances or history with my credit to explain why my score decreased by over 20 %. All inquiries submitted to the agency, which are done electronically have received no acknowledgement or response.

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 2020-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My capital one card was closed 2 years ago and written off. I have been receiving credit drops, because capital one sells the account to XXXX XXXX Capital one sold it for collections XX/XX/2020. I have XXXX knowledge of this report and it has dropped my points tremendously, Ive tried contacting the XXXX XXXX, but its takes weeks to get an response. Im hoping you can get this removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Nelnet, Inc.
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90 - 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: CITIBANK, N.A.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : BBY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DSNB MACYS XX/XX/XXXX and XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-10-13
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There were unauthorized transactions on my US Bank Reliacard throughout XXXX and XXXX, 2020. After numerous attempts to get someone from US Bank on the phone, I finally was able to file a complaint on XX/XX/2020 and subsequently sent the dispute in writing via fax as they requested. 

No provisional credit was issued within 10 days, nor was I able to get a lucid answer from any of the representatives I spoke with on the telephone. My last contact with US Bank was on XX/XX/2020 when I spoke with a supervisor who informed me that no action had been taken on the claim yet. She advised that my completed paperwork had been received on XX/XX/2020 and that an escalation would be filed to have the case processed. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " Prepaid Dispute Resolution '' stating that claim number XXXX had been closed as " no error occurred ''. The date of this letter would obviously indicate that the customer service individuals with US Bank are incompetent and giving erroneous information to Pennsylvania Residents who have been forced to use the ReliaCard product during this pandemic as the claim was " closed '' three days prior to my call with a person who represented herself as a supervisor. 

I attempted to contact US Bank upon receipt of the letter via telephone - which was the method recommended - but their phone lines say to call back at another time and disconnect. 

US Bank has been negligent in their financial offering - namely, the ReliaCard - in that the cards do not have any fraud protection measures whatsoever and also no EMV chip despite an industry wide adoption of EMV technology to prevent fraud.

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 2023-02-16
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am submitting this to the CFPB to make them aware of this conversation last night with Comenitys specialized team. 

XXXX XXXX said she would make a fair compromise when it came to my accounts because of continual issues with their online payments. I did do what they told me to do with one of my comenity accounts and try to make a minimum payment. When there was an error with the website timing out and going blank, I emailed the specialized team saying theres an issue with the site. 

I have attached the email of what XXXX XXXX saying she was going to do, that never happened. 5 accounts were not adjusted like she said they would be. 

XXXX XXXX is now claiming they cant make those adjustments. I believe they can. This last chain of emails I received are not acceptable. 
This is simply gaslighting and I feel is retaliatory. I have been dealing with comenitys issues for 8 months. And so have many other customers. And instead of taking accountability, once again Im blamed for everything. 
Comenity and reps, I do not control your systems. I do not control your phones or computers. 
I will not accept any abuse or gaslighting. I have attached the emails from last night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Afni notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the XXXX Afni made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that XXXX has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with Afni? XXXX, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is listing this account XXXX with the wrong contact information I contacted the company they claim owns this account and is reporting and they have no record of that account in there system and experian refuses to remove this account which is illegal.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 2018-11-07
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have contacted them on several occassions about constantly running my info when inhave not applied with them since XXXX of last year. I haved asked them to remove my information and was denied due to federal law. I just want my info removed from their system

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We made a deposit of 26 checks to my savings account on XX/XX/2023 in the amount of {$22000.00}. This deposit was done at a teller window and the teller gave us a receipt for the same. When the bank processed this deposit of 26 checks I received a listing within my account activity of a chargeback of 25 of these 26 checks charging back as a debit of {$21000.00}. On XX/XX/2023, we went to the bank and the manager who had handled this deposit said that they had misplaced 25 of the checks. Then the manager looked and stated that she had found these missing 25 checks and that they would provide a credit for the error amount of this {$21000.00}. 

Still no credit or any of our money and no further explanation by the bank. 

I have attached to this complaint a copy of the receipt and a copy of the activity within my account

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 2023-02-16
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: WELLS FARGO & COMPANY
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:
XXXX my FICO score dropped from XXXX to XXXX with out any intelligent reason. I am one of the few people that continue to pay my bills on time during this pandemic. My credit is stellar. I have over XXXX in liquid assets. Playing with credit scores is a criminal act. Please get your act together or I will be filing a civil lawsuit.

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 2021-06-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called equifax the whole month of XX/XX/2021 I asked if I could speak with the fraud department I even spoke with Supervisors and managers and no would helped me with the unknown inquiries I was told by different Representatives at XXXX  the unknown inquiries would be removed I had to call back Multiple times for weeks for getting false information about my credit report.

Company response to consumer: Closed with explanation