BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
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:
On XX/XX/XXXX, I made a payment in the amount of {$980.00}, to Capital One via the XXXX XXXX XXXXXXXX XXXX online bill pay service. This amount was never reflected on my Capital One credit card statement. I contacted the XXXX XXXX XXXX about the transaction on XX/XX/XXXX and was informed by the XXXX representative that the amount was in deed paid to Capital One. I was given the ACH number and related transaction number. The XXXX XXXX XXXX representative and contacted Capital One via conference call and described the issue with one of Capital One 's supervisors ( name not remembered ). I received no further correspondence from Capital One but on XX/XX/XXXX, a refund was in the amount of {$980.00}, was posted to my XXXX XXXX XXXX account. 

Why was the money refunded and not applied to my Capital One credit card account? Interest continues to accrue. 

Then on XX/XX/XXXX, I made another payment to Capital One in the amount {$1000.00} via the XXXX XXXX XXXX XXXX online bill pay service. This amount was never reflected on my Capital One credit card statement. I contacted the XXXX XXXX XXXX about the transaction on XX/XX/XXXX and was informed by the XXXX representative that the amount was in deed paid to Capital One. I contacted Capital One and was told by a representative of management there, that the matter would be investigated. To-date I have heard nothing from Capital One and my balance with them still does not reflect the {$1000.00} payment. 

Then I noticed on my XXXX XXXX XXXX account statement that on XX/XX/XXXX, the amount of {$28.00}, was deducted from my account by Capital One. I verified with XXXX that this transaction was directly debited from my account by Capital One. This transaction has never appeared on my Capital One credit card statement. 

Then I noticed on my XXXX XXXX XXXX account statement that on XX/XX/XXXX, the amount of {$580.00}, was deducted from my account by Capital One. I verified with XXXX that this transaction was directly debited from my account by Capital One. This transaction has never appeared on my Capital One credit card statement. 

I have never given Capital One authorization to directly debit my XXXX XXXX XXXX account. How could this be done? 

It is noteworthy to inform you that I have authorized Capital One to auto debit {$40.00} each month from my account with XXXX XXXX. which they have done correctly for more than 5 years now. These payments via XXXX XXXX XXXX were extra payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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:
On XX/XX/2020 I sent in a request to have items I believed to be fraudulent removed from my Equifax credit report. All inquiries that extend from XX/XX/2020 through XX/XX/2020. Since I had not seen any activity, I am filing this complain so that I can have this issue addressed with the urgency and sensitivity it deserves. Being a XXXX Veteran on a fixed income, during a pandemic has been a struggle to say the least. But to add insult to injury I am also one of the millions of affect Texans affected by the snowstorm last month. I only want to see that this issue is resolved so that I can focus on other pressing issues dealing with the transitioning state of my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: NC
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:
My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.

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 2021-04-22
Company: Thaxton Investment Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We, the consumers, XXXX and XXXX XXXX, received a letter from The XXXX XXXX XXXX  dated XX/XX/2021, stating that we owe Heights Finance Corporation a total of {$1700.00}. We responded on XX/XX/2021 with a validation letter to The XXXX XXXX XXXX which there was no response. We also mailed a debt validation to Heights Finance asking for the original contract, original creditor, as well as all things listed as Exhibit D part 2. Heights Finance responded with a contract that was not affiliated with them, and did not respond to other request that was asked to be presented in Exhiibt D part 2. The contract that Heights Finance mailed to us did not have a signature from Heights Finance. What I did see on the contract about Heights Finance is on Exhibit B, where it states '' This contract may be assigned to HEIGHTS FINANCE CORPORATION ( " Heights '' ). On a letter dated XX/XX/2021 from XXXX XXXX XXXX Exhibit C ), Ms. XXXX states that HEIGHTS FINANCE is the original creditor ( but no signature on contract ). Ms. XXXX also states that, " the provisions of the Fair Debt Collection Practices Act do not apply to us, however to the extent practical and as a reasonable business practice, we attempt to adhere to its provisions. '' The letter from Ms. XXXX XXXX ( Exhibit C ) also states they are not a third party debt collector nor an assignee. Per USC 1692e TITLE 15- This is false and misleading. Per said contract, Exhibit B. We, XXXX XXXX and XXXX XXXX, have also mailed an Affidavit of Truth to HEIGHTS FINANCE, dated XX/XX/2021, ( Exhibit E )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: AK
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 have submitted the attached documents since the beginning XXXX about XXXX on my report. XXXX was the ORIGINAL creditor, listed on page 19. 2 YEARS AFTER discharge, it appears they attempted to SELL THE DEBT to XXXX to try and collect on. THEY CAN NOT DO THIS! 

I HAVE NEVER heard from EQUIFAX and it is STILL listed as in " dispute ''! It will not allow me to resubmit a dispute with them. I've tried calling and get stuck in the press 1, press two loop that NEVER gets you to a HUMAN. 

XXXX needs to be removed IMMEDIATETLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The bank charged me 3 overdraft charges for 3 different transaction do to a pending charge of 997. This charge came in at XXXX XXXX  on XX/XX/2021 after banking cut-off time. Although my ending posted balance was {$110.00} on XX/XX/2021 and after being charged 105 in fees my current posted balance is {$10.00}. pending transactions are not transaction that have posted and cleared my account, per wells fargo own language pending transactions come off of available balance not actual balance of the account, seeing that this is the case when that charge of 997 came in, my available balance was XXXX and should not have no bearing on transactions that the funds have already been set aside for previous merchants. Technically speaking the funds are still available in my account until merchant request final payment for pending transactions. Wells fargo continues to steal from their customers while doing illegal banking charging incorrect fees because of their nightly processing. I want my {$100.00} refunded because at the time of posting I had enough funds to cover all pending transaction that posted for that particular day of XX/XX/2021, seeing that my ending posted balance was {$110.00}.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX  XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXXXXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it 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 explanation
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the morning of XX/XX/21, I awoke to an email from Citi Simplicity Cards telling me that they have closed my account Citi Simplicity Card. The card had a XXXX balance and I have been in good standing with Citi for as long as I had the card. 

I was told there was no activity on the card, which is not actually true as I called Citi to change my address on XX/XX/21 of this year, actually 4 month previous to them closing the card. 

By Citi closing the card, my available credit went down and so did my credit score. I called Citi twice with no resolve and then made a visit to my local Citi branch. They graciously said they would reopen the card after a credit check, which again would be a hit to my credit report and score. I told them NO. 

This is very frustrating as Citi was able to email me for any reason at any time but no email warning about the impending doom of my card and credit scope

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 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
As with my previous contacts with you all I have stated that I am in the XXXX XXXX and I have been in one for a number of years due to a XXXX  XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!

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 2018-11-03
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I called Wells Fargo to get the overage I have paid on a monthly basis ( since XX/XX/XXXX ) to be applied directly to my principal loan amount. I need to get my principal amount trued up as I was trading in my vehicle. The representative told me they would be applying approximately {$700.00} to principal amount and it would take 48 hours to hit. I asked for a revised principal amount and the representative gave me approximately {$10000.00}. 48 hours after, I looked at my account and they messed up my last two payments which then made my balance approximately {$11000.00}.  Approximately {$600.00} more than what they told me it would be changed to. I bought the new car using the number what was provided to me my the representative ( ~ {$10000.00} ). Now I owe the dealership ~ {$700.00} ( including interest on pay off ) because of Wells Fargo 's inaccurate number. I made a huge life decision based on bad information provided to me directly by the bank.

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 2020-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have proven that these accounts do not belong to me and that the information is not accurate and the companies continue to place in accurate information on my personal credit file. I have no other choice but to try to rectify this false informations being reported on my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was informed by XXXX XXXX XXXX XXXX that is account would be removed from all three credit reports. Please have all three credit bureaus remove this account from my credit reoport.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Perfection Collection
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company provided documentation but is not my signature. Company acknowledged thats not my signature. Company still is reporting to credit bureaus with fraudulent information thats not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: HW Holding, Inc
State: GA
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 contacted XXXX XXXX XXXX to complete my final payment for rent and services while living at one of their apartments XXXX XXXX. The payment was completed and I understood I owed {$0.00} to the company. 

On XX/XX/XXXX XXXX XXXX XXXX charged me {$490.00} for closing fees on an apartment I was renting. 16 days later ( XX/XX/XXXX ) they wrote off the {$490.00} without attempting to contact me to settle the payment. 

Since XX/XX/XXXX I have not received any attempt or notice that I needed to pay any money for any type of closing fees until XX/XX/XXXX which I received a letter from a Hunter Warfield who is now attempting to collect this {$490.00}. 

My issue is I was charged {$490.00} on XX/XX/XXXX, on XX/XX/XXXX the debt was written off without a single attempt to contact me. Then nearly two years goes by and now Hunter Warfield is contacting me saying I owe money. 

I would also like to note that I spoke with an associate of XXXX XXXX XXXX who told me in XX/XX/XXXX the were having issues with their system. 

I am very confused how a company can charge me hundreds of dollars, write off a charge in 16 days, wait nearly two year never contacting me, and then give my debt to an outside debt collection agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/2018 Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX Account : XXXX XXXX  XXXX Inquiries : Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: NJ
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 victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XXXX/XXXX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello my name Is XXXX XXXX XXXX, I went to request a loan to buy a house, I contact a office in XXXX XXXX Oregon called XXXX XXXX, when they run my credit report appear a debt under my report, house loan with Chase MTG for the amount of {$98000.00} since XX/XX/XXXX with late payments till XX/XX/XXXX for the amount of {$880.00} for the last 2 years payments have made on time and I would like to know who request this debt under my name using my information. Please fell free to contact me at any time at this number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo holds my mortgage. 

I deferred payment due to Covid-19. It's a rental and tenant moved out. Instead of renting, I am selling. Made a payment XXXX that is showing on their statement as " unapplied '' ( {$3900.00} ). This unapplied amount is therefore not offsetting the principal balance that they gave the settlement company. 

Why they didn't apply the payment is beyond me. Why else am I paying? And why can I not indicate how to apply the funds on their website, when they don't have the staff available to talk by phone? 

I am unable to get a response from them at all. I tried fixing it through their website, but there is no option to make this request. I have been on hold with them for 4 hours over the last two days - and yet to get a person. I did submit an online complaint. Response : " We take complaints seriously and will attempt to call you within 2 business days to discuss your specific issue. We will also send you a letter through postal mail confirming that we received your complaint. '' I don't need a letter. I need a problem solved. Typical Wells Fargo. Unacceptable.

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 2020-06-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview mortgage placed forced insurance on my property. After providing them with proof of insurance they sent me an email ( page 5 of the attached ) indicating they have removed it. After filing a complaint with CFPB ( XXXX ) Bayview responded by saying they needed more information from my insurance company even though previously in their email they clearly stated what they had received was sufficient. In the meantime, Bayview still have not conducted an escrow review and because of Bayview 's actions my credit score has now dropped from XXXX to XXXX.

Company response to consumer: Closed with explanation