BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
During the COVID-19 pandemic, Capital One bank maliciously and intentionally misreported balance and payment owed ruining my credit history. Theyve repeatedly refused to correct this despite 16 emails, 8 phone calls, 4 certified letters. In XX/XX/2020, payments made in good faith to capital one under business corporate card did not go through twice due to insufficient funds financial hardship during COVID, Capital one then closed the business account and personal account. I did not owe any money at all on the personal account ending in XXXX because I deposited {$500.00} for a security deposit and additionally received a merchant credit of {$840.00}. Capital one has fraudulently claimed the {$500.00} security deposit as money owed to them and is actually charging me interest and late fees on my very own money I entrusted in them. This card was initially {$500.00} secured credit card but due to a merchant crediting me {$840.00} the secured credit line was {$1300.00}. Capital one has taken these funds and claimed as their own further charging interest and fees on MY OWN MONEY. In the process have desecrated and maligned my entire financial history Ive tried to rebuild due to their fraudulent reporting and illegal charging throughout a pandemic. Ive requested for over a year now to rectify this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I tried to make deposit at Citibank ATM at XXXX XXXX XXXX, NY, XXXX. 
Unfortunately I got error message and ATM caught my two checks ( one on {$1200.00}, second on {$1000.00} ) without any deposit on my account. Same day i called customer service and asked about investigation and provisional credit. Two weeks later I got {$2200.00} deposit ( provisional credit ) from Citibank. After two months constant calling to customer service and asking what is status of investigation they told me they can not find second check ( on {$1000.00} ) and they will close the case. I requested to reopen the case and investigate it once again. Three weeks later i received letter they didn't find a check on {$940.00}?????!!. I have no clue from where they got this amount but it wasn't from me, neither from real checks. I called once again a Citibank customer service asked what happened with investigators and investigation, why they are looking for check which doesn't exists. More over I was telling them from beginning how many checks and what is amount of the checks. There was no apology or any intention to resolve a problem. Citibank feels like king. They don't care about customers at all. 
Thank you,

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 2022-08-09
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: Information belongs to someone else

Complaint:
Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out XXXX, Experian & XXXX but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( XXXX, Experian XXXX XXXX ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 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 2020-10-11
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a duplicate complaint about fraud but the complaint is about the cards payment policy that assist the thief when card is unknowingly stolen. Unlike when you deposit into your bank ; there isnt a hold on a payment and credit card companies instantly make payments available. Discover allowed three deposits totaling {$11000.00} in succession using the same bank and all payments made and bounced in a 10-day period. I can understand one, but 3 payments on the same card using the same bank account and that quickly??

Discover blames me but payments are out of my control. Credit Card companies give you a credit limit but do not protect the owner nor adhere to the credit limit. The more that is spent on a card ; the more money a credit card company makes so any problems and it is easier to blame the card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Professional Debt Mediation Inc contacted me a second time after i sent them an official letter to case all contact and that I am not responsible for this debt as i was XXXX at the time this debt had taken place. I also informed them I am on SSI and they can not collect any debt from me anyway. They also sent me a list of other peoples personal medical information which is also a violation of others personal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX account numbers XXXX and XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: MS
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 have written XXXX on XX/XX/2018 to have them address an issue on my credit report and they fixed the problem on XXXX, but closed my account and wrong open date for Equifax. Please assist me in correcting the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a copy of my credit report and was amazed to see a {$10000.00} collection from a college I did not attend! I went to an orientation and considered attending XXXX XXXX XXXX in XX/XX/XXXX however I did not attend! I withdrew from all courses before the date that makes you financially responsible for tuition. However thousands of dollars have been put on my credit!

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 2020-03-26
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a debt settlement with Cypress Finical Recoveries with our layer XXXX XXXX in XXXX al for XXXX for so many months. They kept switching lawyers on us while we were making payments. 
The Debt settlement was made in full. 

XXXX county Al circuit court case XXXX. 

Now they are trying to do a garnishment of my check. Debt was paid in full Plus more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
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: Information belongs to someone else

Complaint:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It has been several months and Professional Credit Management continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act by continuing to report a fraudulent debt to my credit file that was never opened by me. This account was previously deleted from my file and re-sold which is clearly a FCRA violation. Even after being notified this debt was a result of identity fraud Professional Credit Management continues to report this account to the major consumer reporting agencies. In addition in the state of Arkansas, Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). I find these actions totally unacceptable and Professional Credit Management must be held accountable for their actions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother passed away two years ago my father is struggling to pay the mortgage she XXXX years old hes been paying on our mobile home for 30 years they tried to tell him that he didnt know but if you more years but now they keep sending him a bill saying he owes XXXX and XXXX every month and our mortgage is only {$450.00} a month

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 2018-01-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called the XXXX XXXX XXXX with another finance company on a 3 way call the week of XXXX XXXX. We asked for a payoff balance with a 7 day accumulation. I was given a balance of {$1100.00} which XXXX XXXX XXXX sent and XXXX on XXXX XXXX. The week of XXXX XXXX, I received a payment receipt stating that I had a remaining balance of {$560.00} and that the payment submitted did not pay off my account. I called and spoke with the branch manager of the XXXX XXXX location on XXXX XXXX at XXXX XXXX est. I explained the situation to her and she stated she has no record of anyone in the office giving me this information an does not know how we came up with that calculation to pay. She also proceeded to rudely explain to me how interest is accrued and stated that I should know the amount of my loan and what I 've paid thus far. I asked if she was going to investigate who gave me the mis-information and she stated she would " handle her business ''. I asked if there was a way I could file a complaint and she gave me the regional manager number XXXX XXXX and falsely told me that he was in XXXX. I spoke with XXXX XXXX at XXXX and explained the situation to him and he also stated the remaining balance and said if their was some kind of record of the call where I was giving the wrong pay off balance or notes he could reference maybe he could do something but until then there was n't anything he could do for me. I reached out to XXXX XXXX at XXXX XXXX XXXX to see if the call was recorded from when we received the pay off balance and it was not. He did state XXXX from XXXX called him and said that we were given the wrong pay off balance and that I still had a balance on the account. At that time XXXX XXXX explained to her there was nothing he could do about that. I called XXXX XXXX back and gave him this new information. He again stated there was n't anything he could do for me, and all I could do from here was file a complaint with their audit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 went to purchase a vehicle on XX/XX/2018 and come to find out there are numerous inquires from the last YEAR I did NOT recognize. I contacted customer service to help and it was stated that there was a breech and inquires were removed and then put back. I HAVE NOT received ANY notice of this and wanted the last YEAR removed. I was told she couldn't help me. I am a single mother trying to make it on my own and I need to get my credit together after a nasty divorce. I have recently found out MORE inquiries were added. Please remove the inquiries from 2018 other than XXXX XXXX AND XXXX XXXX as those were the ONLY XXXX I gave permission to do so. This is XXXX XXXX mistake and Why was I not notified????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Selene Finance LP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After years of attempting to modify my mortgage through XXXX, I finally made 3 trial payments of {$1900.00} as agreed and ahead of schedule on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX representing trial payments for XXXX, XXXX and XX/XX/2018. 

As I was awaiting modification documentation to sign, the servicing was transferred to Selene who agreed to honor XXXX 's modification agreement and send endorsable documentation to sign. On XX/XX/2018 the mobile notary came to my home with non-endorsable documents because Selene sent the modification documents in the name of XXXX XXXX and not my current name, XXXX XXXX. 

I immediately contacted Selene and requested both accurate documentation and a review and reconsideration of the terms - which now included a balloon payment and mortgage calculations which I was told would take 30 days. After more than 30 days of no response, I made contact with Selene on XX/XX/XXXX, which was immediately followed up with an email. Selene at that time requested a copy of my drivers license, which I provided.

Selene also indicated on XX/XX/XXXX that they could not take any payment from me at that time due to a missed XXXX payment. I explained that I was advised to await the completed modification before making my next payment, which I thought would be XXXX, but that I could make both XXXX and XXXX immediately if needed, which was rejected. Instead, I was asked to accumulate these payments and be prepared to make them all at once when the modification documentation was resubmitted which I have done. 

At the end of 30 days, XX/XX/XXXX, I was preparing to reach out to Selene on a status when I learned that Selene moved forward with the process of selling my home which now has a sell date of XX/XX/XXXX. I was told on XX/XX/XXXX that they have 30 " business days '' not counting weekends and holidays and that I have until XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted by the rep for my account, Mr. XXXX, who indicated that he was going to initiate the review of terms by the investor as it had not been done yet. I asked how long it would take, he stated he didn't know. I asked if they would take actions to remove/push out the sell date/foreclosure status on the home pending their getting me endorsable documentation, he said they would not do that. 

I have email documentation showing that I have contacted Selene requesting endorsable documentation given that I have made my 3 trial payments and I have not to receive it. 

I am concerned that the mortgage company will continue to drag its feet and that I will lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report I noticed a account that was opened XX/XX/2013 that is not mine and showing it was late 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Using Citi 's Mobile App, I scheduled a bill payment for my internet provider, which was due on XX/XX/18, to be paid on XX/XX/18. Citi 's Bill Payment service provided a message that stated " Payment should be scheduled at least 2 business days before payment due date. '' On XX/XX/18 I received my monthly internet bill and found that the payment was not received until XX/XX/18, and I was charged a {$10.00} late fee. I called Citi and spoke with a female in FL, to request credit for the late fee. She told me the system said to allow 5-7 days, more than once, and declined the credit. She did not listen to what I said, and treated me like I was not able to read English. She wanted me to log on so she could walk me through submitting a bill payment. I told her that I had just logged into my phone before I called, and it said to allow 2 business days. I disconnected the call. 

On XX/XX/18, I contacted Citi via Chat and requested to speak with someone regarding the incorrect information Citi is providing on the Mobile Appl, requested credit for the late fee and an apology letter to send my internet provider. I don't appreciate having a late payment on my payment history. He declined the credit and he did not forward my complaint to anywhere!!! More than 2 months later, no letter or contact at all has been received. 

XX/XX/18, my husband & I opened new bank accounts with another bank, and we have moved all but about {$600.00} out of our accounts. The remaining balance will be withdrawn, and we want both our checking and savings accounts closed at our request. I am not going to ruin my excellent credit that we have worked so hard to maintain. 
Also, as of today, XX/XX/18, the Mobile App still shows the same message to allow at least 2 business days, so it still has not been corrected. I wonder how may other Citi checking customers have been assessed late fees unnecessarily due to incorrect  messaging. 

About a week or later, I contacted Citi via Chat using my tablet to ask how to stop the recurring transfers from Checking to Savings. Again, the representative did not ask what device I was using, and gave instructions for the full website. I ended the Chat.

Citi wants to push customers to use the Web and Mobile site, but they do not ensure the correct information is being provided. I understand that the Mobile App does not allow all of the functions as the full site, but providing incorrect information and not filing complaints to investigate reported issues is 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 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My account ending in XXXX is not reporting to XXXX  the full trade line is remove and I need it placed back on my XXXX  credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently in chapter XXXX. The HOA stating I owe money for past due association fees which are connected to over 15 FRAUDULENT LOANS CONNECTED TO XXXX XXXX, There is a claim within the XXXX listing a XXXX total. I want the validation of debt sent to me since I am pro-se. 

Also, the representing attorney was reported for unethical conduct.

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