BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday XX/XX/2022 I visited my local capital one branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX to make a ATM deposit of {$400.00}. When I inserted my cash into the ATM the machine shut off and ultimately took the {$400.00} without depositing it into my account. I immediately went into the bank and spoke to a teller who stated That ATM is always giving a problem and you will have to call customer service as we cant help you because the ATM isn't affiliated with the bank. I was taken back by what the teller told me, but I went back to my car and proceeded to call the number that I was given to file a claim. After sitting on the phone for 35 minutes the customer service representative told me if I wanted the credit expedited I would have to contact the number back the following day and request it. On Saturday XX/XX/XXXX I did just that, I called to have to the credit expedited to my account. I was then told that the department was closed and Id have to call back on Monday when the department would be open. Today, XX/XX/XXXX I called Capital One once again to have my money expedited. The original representative transferred me to a supervisor who was very unprofessional may I add, I explained the situation to her and she stated that the claim for my provisional credit to be expedited would continue to be denied and when I asked her why it would be denied she stated no reasoning after getting off the phone after 1 hour I still have no insight on when I will be receiving my {$400.00}. No one at capital one that I have spoken to over the course of 3 days has been helpful nor given me any new insight on when my money will be credited to my account. This scenario is an inconvenience to my financials and not getting the help from my banking institution has not made this any easier for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NV
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:
Do to the fact I changed my email COMPRIMISED may be much confusing to CFPB but needs to be addressed in reguards to my exsisting complaint # XXXX I wanted to add XXXX not only did a switch and bait advertising tactic I clearly have a snap shot 1 # stating by creating and reestabilish a credit Card CREDIT LIMIT XXXX XXXXthey lied only XXXX line of credit # 2 XXXX statred would not pull inquirys or pull a report because I am a exsisting customer ' they lied the pulled 2 Inquirys HARD INQUIRYS back to back poroving they are in bed to damage and refrain from me obtaing offers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield provided '' proof '' that was falsified. I never signed that last page and it 's clearly copied and pasted the signature from a previous page.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to work with the Navient company in correcting a mistake that has happened but they keep giving me the run around. The mistake is my Student Loans where defaulted on when they were suppose to be in Deferment and or Forbearance because of my XXXX XXXX status during a time of XXXX. The first two years of my XXXX XXXX time they were in Forbearance and then were taken out for some reason. But it is not my fault that they did not scrub the XXXX database to ensure i was XXXX XXXX. An i worked with them in XXXX XXXX, XXXX and XXXX, so they were aware of my XXXX XXXX status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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:
THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH 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 explanation
Consumer complaint received 2019-06-24
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I only paid this is because I was under duress from my your company and I never exercise my right to validate this debt. My rights were violated by pressure I feel like you guys did not properly validate this debt I feel like I over paid you when I didnt owe you. Please DELETE this from my account. Only contact me through CFPB. Please attach Confirmation Deletion Request on your company letterhead showing this account has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 account does not belong to me nor should it be on my file, im not responsible for this account. 

1. 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 2021-04-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
At check out I was offered a store card, and I responded by letting the cashier know I did not want to sign up for a credit card. The cashier assured me that this wasnt a credit card it was a store card, and it couldnt hurt my credit. I hesitated but agreed because of the 10 % off promotion. As they collected more of my information I started to realize this was in fact more than just a store card. I tried to back out and they said all I need is an address and the process was almost over and was fine. They didnt disclose to me that this address was where the card was being sent, so the address I gave was the one on my license that I have not lived at for quite a few years now. They assured me I could just cancel the card once I left.

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 2019-06-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: RentDebt Automated Collections, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RENTDEBT AUTOMATED COLLECTIONS I do not have a contract with this company Collection is not from original creditor. I have never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2nd installment of taxes were due XX/XX/19. Escrow payments were collected in the full amount with surplus. I called in to verify and sent a letter of past due payments. XXXX my account shows the money was withdrawn. Taxes are still not paid and are now incurring penalties and fees. I have asked for a proof of the check that was issued along with proof of penalties and fee payments. XX/XX/XXXX and still no progress. 

No supervisor has ever called me back, I have called over 20 times now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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:
I called shortly after burying my mother tk make arrangements to pay my credit bill. I made the first payment the second payment I over payed. To clear bill, and be able to use my card. The representative who made the payment arrangements even sent me flowers for condolences. Only to find out they cancelled my card after the first payment and fraudulently took my {$200.00} after ensuring me the card is still active.The company is Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that these ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) were reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX -Balance {$170.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX {$100.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX -Balance {$100.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00}

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
Consumer complaint received 2019-06-25
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Jefferson capital group llc. early in XXXX of 2019. They were hired by XXXX XXXX XXXX to collect a debt to settle the account. Before I paid to settle the account, I negotiated with the Jefferson capital group representative for them to provide me a letter stating the debt has been settled and to remove this item from my credit report. I spoke at length with jefferson capital group, and they will not stand behind their employee who told me that he would provide me the letter. 
My credit report still shows the debt, and it has not been removed from my credit report as stated thus dragging my score down after I settled this debt. ( paid, satisfied ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft SYNCB/XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DPT EDXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my XXXX and XXXX XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop 50 points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in 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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a ID theft victim. Remove the listed accounts from my 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 2022-03-07
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/ 2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: ND
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:
Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my Equifax, XXXX and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened. 
Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX  dated XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX 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 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  I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: GFS II, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get called every other day. They are nasty and rude. They even call family members and people we listed as a reference. I have asked them to stop calling and emailing me and they havent. I emailed them twice telling them to stop and to send everything through usps mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not had any response from the company in regards to this debt. I have asked them several times to verify my information and they have failed to do so. I am requesting to have this information removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Went into the XXXX XXXX. Wells Fargo Branch. I stepped up to the teller window, I told the teller that I was there to pay my mortgage. Sadly I did n't have the account number with me. She asked me my name, I replied, I am not on the contract. She looked around for help. The mortgage is based on land/home ownership. I believe that they could have taken my address to look up the mortgage. They only had a ca n't do attitude, whereas they would be happier if they 're customers were happier. How can I help you is the better way to a consumers heart. 

I called the number on the response letter and the gentleman who answered, I forget his name, just rambled on about how they were right. I think the corporate culture needs a sorely lacking update on how to support their customers.

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 2022-03-07
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Harris & Harris , LTD has committed fraud and violated my rights as a consumer. On XXXX XXXX, XXXX, I requested validation from 15 US Code 1692g ( B ). H & H was unable to validate the alleged debt. On XX/XX/2021. I filed a CFPB complaint. The Complaint number is XXXX. On XX/XX/2021 H & H responded to CFPB Complaint number XXXX stating that " Unfortunately we have not yet received the information regarding your accounts from the MD-CCU. Once that information is received it will be provided to you at the email you included in your complaint. '' This was multiple violations to my rights as a consumer. Fact, under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts Under the Fair Debt Collection Practices Act ( FDCPA ) collection agent that can not validate a debt may not collect it or report it to the credit reporting agencies. Fact, 15 U.S. Code 1692c ( b ) Communication with third parties a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. On XX/XX/2021 I sent a Cease and Desist letter. There was no response. On XX/XX/2021, I sent an Affidavit of Truth notarized certified mail to H & H there was no response.

Company response to consumer: Closed with explanation