BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Having a hard time due to medical bills so I called Capital one to ask if they would let us skip a pmt. I talked to XXXX who said they had a hardship program that would let us skip payments for 3 months without extra fees etc : I said great. She said I would receive notice ( did not ) tried to call her back on XX/XX/17 could not reach her. Talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, ( no help ) finally talked to XXXX said her # was XXXX said she would pull the recording and someone would call us within the week. No Calls.She was a supervisor with special assistance dept. We also noticed they turned us in to credit for late pmt. On XX/XX/XXXX we got in touch with XXXX Senior account mgr. who said that if we would pay XXXX he would take care of the problem wave fees pull the bad credit report and get us back on track since we have never missed a pmt in way over 10 years with them. We made the payment and found out they applied {$400.00} to fees and interest and did not remove the bad credit report as promissed. We tried and can never get in touch with any of the people talked to. They recorded the conversation when XXXX told me about the 3 month program but I guess won`t pull it up. Thanks you if you can hellp us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I filed a chapter XXXX debt repayment plan. After I filed this and a court order was issued I began making payments. While making payments I received a letter from citi card showing I was overcharged on interest and a refund was credited to my account in the amount of {$690.00} I contacted citi and notified them that I had a court order and that I was making payments under it. They told me I needed to contact my trustee and have him adjust my account. I contacted my trustee however he told me he could not change the amount of payments being made since a court order had already been issued. Now the the chapter XXXX has been paid in full per the court order citi card still has the excess funds of {$690.00} that were credited to my account. I have made multiple phone calls to citi card spent hours on the phone and they continue to transfer me to their lawyer who has no record of my account. I have also left multiple messages with XXXX XXXX at citi who has not returned my calls. Its apparent that citi has no intentions of returning the {$690.00} I had overpaid in interest so I am submitting a complaint hear to help others avoid having similar problems.

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 2022-01-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The credit bureau stated that they properly verified an account but I have proof that they did not verify this account. 

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. 

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We had a second mortgage from XXXX XXXX XXXX which was sold to XXXX XXXX  on XX/XX/XXXX. We were in Chapter XXXX at the time which was discharged on XX/XX/XXXX. The second mortgage was cleared than. We have been dealing with XXXX loan mgt since XX/XX/XXXX to get a deed in lieu. Now they say that we need a release from XXXX XXXX to continue the process but XXXX XXXX has gone out of business and I can not obtain a release of lien from them. Absolutely no one can/will help resolve this and both XXXX and XXXX are saying that only XXXX can. There is no one at XXXX to deal with since the loan was sold. All we want to do was sign over the house to Rushmore loan mgt ( who is handling everything for XXXX ), we are completely frustrated over this and do not know where else to go. We have been dealing with XXXX XXXX at Rushmore, phone number ( XXXX ) XXXX, XXXX XXXX ( representing XXXX  ) ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. All we would like to know is how to resolve getting a lien removed from this secondary loan so that the deed in lieu can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
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:
I am writing to formally dispute the inaccurate balance reporting on my credit report by Wells Fargo. The account in question should have a XXXX balance, yet Wells Fargo is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : Wells Fargo is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both Wells Fargo and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with Wells Fargo : The Wells Fago account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.

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 2023-08-05
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Home Depot Credit Card decreased my limit on my card card even though I maintain the entire balance and pay bill on time. They did it without warning me, they just sente an email stating they decreased my limit because of what they saw 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 2021-02-18
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an impound account with this lender and was making monthly taxes and insurance payments into the account. Unfortunately, the lender failed to pay my County Tax bill that was due on XX/XX/XXXX ( for {$2600.00} ). 

I tried contacting the lender twice on XX/XX/XXXX to discuss the issue, and both times was told that my taxes were not due, and that they did not fail to make the payment. After explaining the situation, they agreed to file an inquiry about the missing payment and said that I would hear back from them within ten business days. I never heard back. 

I've since sold the property ( on XX/XX/XXXX ), and have made the missing County Tax payment through my closing costs during Escrow - in the amount of {$2900.00} ( this was for the original {$2600.00} + a 10 % late penalty of {$260.00} ). 

I tried contacting the lender again on XX/XX/XXXX to request a reimbursement of the {$260.00} late penalty that I paid as a result of them not making the payment on time. The lender told me that they would file another inquiry, and that I should hear back from them within three business days. I never heard back. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the inquiry was closed on XX/XX/XXXX and that I would be receiving a check in the mail for the 10 % late penalty in the amount of {$260.00}. This check was never mailed. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the previous representatives that I spoke with about the issue did not fully understand the problem, and that a check was never mailed to me. They spoke to their supervisor, and told me that they needed to file an additional inquiry regarding the issue and promised to contact me within 48 hours with an update. I never heard back. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the inquiry was still in progress and that they didn't have an update available for me at this time. They promised to stay in contact with me and to provide updates as soon as they were available. As of XX/XX/XXXX I have not received any additional updates. 

I would like to be reimbursed for the {$260.00} late payment fee that I'm entitled to as a direct result of this lender failing to make my tax payment on time. I've tried contacting the lender six different times and the issue has now drug out for over two months without a resolution or any update from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Honda Financials payoff - I traded in my Honda leased car with XXXX XXXX. the payoff of XXXX was mailed out on XX/XX/XXXX. 
Later that month when I checked if the payoff was posted I saw an outstanding balance for Property tax posted for the amount of XXXX and I paid that off immediately to expedite the payoff process on XX/XX/XXXX. On XX/XX/XXXX my payoff had still not posted and I called customer service and was informed the payoff was short of XXXX dollars which I immediately paid as well. I was told the payoff will now go through in 3 business days.

I called back on XX/XX/XXXX asking why my payoff has still not been posted and was informed someone is still working on it. I called back on XX/XX/XXXX and was told someone is still working on it. I called back today XX/XX/XXXX and am being told the same answer. When I got frustrated the representative tells me this is not affecting my credit in any way. How can I be sure? If I went for a loan today will this balance be on my credit report as outstanding or not? Am i showing late payment for XX/XX/XXXX since the payoff is taking more than a month to go through. I am not given a good or reasonable answer as to why there is a delay in closing my account? All they keep saying for more than 3 weeks is we are reversing and reapplying payments for the payoff. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This company sent out a letter stating I still owed them money for rent and they agreed to let me go then sent a letter to my new address demanding payment. XX/XX/2022 {$3200.00} interest, {$140.00} and adding interest causing my credit to score to go down without even negotiating with me. XXXX XXXX XXXX Properties and IQ DATA the collector in their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector was trying to get me pay the balance on a home alarm that I didnt open. when I asked to email me the information they were confirming me a different email address that is not mine. if this was my account they should have all correct information. I asked them to remove it from my credit but they refused and threatened me to be sued. They also hit my credit score.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXXAccount # XXXXXXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX - XXXX XXXX - XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AZ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This past Friday evening ( XX/XX/2020 ) I received a notification that I needed to contact the Discover fraud line and my account had been locked. 
Upon doing so I was on hold for quite some time while the individual I was speaking with reviewed my account. 
Eventually, he sent me to their tech support to have me upload both sides of my driver 's license as verification. 
Once that was complete I was forwarded to a third individual who eventually informed me that all of my accounts were closed for " business reasons '' and that I should have a check within 60 days with my remaining balances. 
My wife then called later to attempt to get further information as well as to inquire about our Discover credit card still being active in hopes of figuring out why we were being punished. Shortly thereafter our charge card ( which we had just paid off ) had also been closed. 
The closest thing to fraud we had done was to set up multiple savings and money market accounts in order to try an automated budgeting system we had heard about. The accounts had been opened earlier in the week and I went through and funded them upon receiving our income tax refund the previous day ( XX/XX/2020 ). 
We had also run one of our savings accounts, that had been open for over a year, up to the maximum of 6 transactions - but this wasn't entirely on us. 2 of those transactions were executed by someone at the bank troubleshooting an issue we were having trying to transfer {$450.00} from that account into our checking account. They executed a {$1.00} transfer and a {$100.00} transfer - both of which counted against us and neither of which were helpful. 
We received zero notice and were depending on those funds to finally get our financial heads above water - this risks us being in a worse situation, financially as well as on our credit report/score, has put a lot of stress on my wife, and we are scrambling to find a way to pay our childcare expenses, buy groceries, and get to work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: CA
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:
For several years I have asked the XXXX and XXXX bank to verify the debt that is on my credit report. I have sent numerous letters and no one and send me a contract with my wet ink signature from these institutions. I have always mailed my letters to both the creditors listed above, and the big 3 credit bureaus, Experian, XXXX and XXXX XXXX. Mostly I called yesterday XX/XX/22 at around XXXX XXXX and had a lengthy discussion with XXXX in XXXX XXXX. She was not able to verify or articulate how these accounts, that I have been disputing for years, were verified. I ask her to provided me with the same instructions I have asked the creditors, to provide me with a contract with my wet signature on it and they have never produce it. 

XXXX {$15000.00} -Acct # XXXX XXXX {$4700.00} -Acct # XXXX XXXX {$5100.00} -Acct # 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 2020-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files 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 non-monetary relief
Consumer complaint received 2021-10-27
Company: Bread Financial Holdings, Inc.
State: CA
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:
This account is Fraud, I never give anyone permission to pull my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I bought an item thru paypal and I did not receive it. I contacted paypal. They sent me 2 notices on about escalating the issue but I did not receive them as I was on vacation. I had already made a complaint.  There should be no escalation needed by me, especially in such a short time frame. Paid with Visa VISA Debit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 

Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States Category Retail Transaction ID XXXX Seller info XXXX  XXXX XXXX, XXXX. 
http : XXXX Invoice ID XXXX Purchase details 18V X2 ( 36V ) LXT LithiumIon Brushless Cordless 14 '' Chain Saw Kit - AU {$99.00} Total {$99.00}

Company response to consumer: Closed with explanation