BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
The credit companies did not add any amount to my credit report but they did cause hard inquires during a recent attempt to purchase a vehicle. I did not authorize the dealership to perform a credit report screening for these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called XXXX XXXX XXXX is reporting on my credit reports that a 5 year old medical bill is over {$800.00} and that I paid over {$300.00} on this bill that I never did the credit reporting agency 's investigated it once and removed it. XXXX turned around put it back on my credit reports 2 years later with false information I have included the original bill it was for {$310.00} with a start day of XX/XX/2014 and a final appointment on XX/XX/2014 this bill is pass the statue of limitations in Idaho state. XXXX XXXX phone # is 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 2018-03-20
Company: WELLS FARGO & COMPANY
State: AZ
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:
From XXXX 20+ phone calls made 18+ representatives/supervisors 4 requests to have calls pulled 44 business days, 64 calendar days unresolved Company is claiming that our account was at one point 30-60 days delinquent and has reported this information to the 3 credit bureaus. It was reported on XX/XX/XXXX that the XXXX payment was 30-60 days late. We have had calls pulled and transcripts reviewed documenting that the account was never 30 days delinquent. This information was provided to us in letter form, outlining what occurred on the calls but is still being prefaced with there is no bank error and it is still the account holders error. 

XX/XX/XXXX - Account was opened. 
XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX along with the XXXX payment with a live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through automated system in the amount of {$160.00} XX/XX/XXXX - {$84.00} payment due - payment made on XX/XX/XXXX through automated system with XXXX payment XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX with live representative XX/XX/XXXX - {$84.00} payment due - payment made XX/XX/XXXX through bank website XX/XX/XXXX - received notification that there was a change to our credit scores and found that it was reported our account was XXXX days late. We contacted the customer service department to find out what happened. On this call, the representative acknowledged there was a system error that post dated our XX/XX/XXXX payment to XX/XX/XXXX causing the system to think the account was late. The representative removed the XXXX late fee, submitted a dispute on our behalf to have the credit report error fixed, and assisted us with getting the payment processed that was pending and making the next months payment for XXXX. 

XX/XX/XXXX - it was reported to the credit bureaus that XXXX was XXXX XX/XX/XXXX - we were told that the XXXX payment is what was XXXX days late because there was no payment showing on the XXXX statement. No calls were pulled per request even though the XXXX payment was made on XX/XX/XXXX XX/XX/XXXX - we were told that the XXXX payment was 30+ days late. XXXX payment was made on XX/XX/XXXX On four different occasions, four separate representatives told us different dates that were late. We were told XXXX, XXXX, XXXX, and then XXXX in that order. There are inconsistencies from what they are telling us, what was discussed on the phone calls, and what they reported to the credit reporting agencies. 

Additional documentation attached.

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 2019-04-24
Company: CITIBANK, N.A.
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:
XXXX is reporting 120 or 180 late payment for XXXX/ XXXX/ XXXX of XXXX and XXXX/ XXXX/ XXXX of XXXX. The account charged off on XXXX in XXXX, XXXX which means its not longer on XXXX/XXXX books and was transferred to collection company ( XXXX XXXX ). Once Therefore they should not be reporting to credit bureaus beyond the XXXX, XXXX. I believe that reporting from XXXX, XXXX until today should reflect either Failed to Pay or Charge Off. I have disputed this many times and it is still wrong with all the bureaus. 
In addition, please note that I have already settled account with collection agency.

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 2018-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX : My wife deposits a security deposit return check from her landlord. It was accepted by her bank. 

XX/XX/XXXX : A forged check is physically presented at a Fifth Third Bank for the same amount. The funds are debited from our account without our notification. When my wife notices in our statement the missing funds she contacts our bank and they state the funds were removed by request and that we need to contact the writer of the check. At the time, the representative did not state that the forged check had been presented at a Fifth Third bank. We go back and forth with her landlord until we agree he did not receive back the funds. 

All attempts to contact Fifth Third bank result in stonewalling and the representative stating that because we are not Fifth Third account holders that they can not help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Huber Warfield is trying to make me pay a debt for apartment I never stayed in. I live in Tennessee which has a 6 years limitation. The debt was created XXXX XXXX. That is 6 years. Today they increased the balance by {$20.00} which lowered my credit score on a debt pass it limitation and do not belong to me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Westcreek Financial
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint " XXXX XXXX '' financial, authorized a ACH withdrawal from my XXXX Checking account in excess of {$3200.00} without my knowing. I made a simple online payment, which I have done every month for several years, where the payment amount is pre-selected as the minimum payment due. The process to pay is very simple and straightforward. There is no keying in of any numbers or information. My banking information is saved and the amount is pre-selected for me. I click submit and the payment goes through for the minimum monthly payment. 

For reasons Shellpoint can not explain, an amount in excess of {$3200.00} was drafted from my checking account. I have issued a stop payment through my bank at my expense. I have incurred an overdraft penalty at my own expense. I am likely to incur additional financial penalties from other bills that were pending due to this excessive draft wiping out my entire checking account balance. Shellpoint has repeatedly offered no meaningful explanations and admits no wrongdoing of their own. They have confirmed, that the only way to pay additional money is by entering that amount in a separate field which I certainly didn't do. I am not here to argue, I am here as a customer who is a victim of this company. I want my voice heard. This mortgage company was a treachery from the beginning when I bought my home ( for reasons I won't go into ). They should be out of business, period. Not only have I never missed a payment, I paid my mortgage throughout my bankruptcy after dealing with a very difficult divorce. Shellpoint has no right, in my opinion, to hold on to these funds for any period of time. The payment should be void and cancelled, end of story. It is my right and my duty to warn other consumers, through this complaint, that Shellpoint " XXXX XXXX '' XXXX is not to be trusted with online transactions. 


Shellpoint " XXXX XXXX '' has no meaningful response or explanation at this time. Company is making me go through a process to refund my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2022-11-11
Company: EQUIFAX, INC.
State: MD
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services did what needed to be done. Phoenix I have sent both letters to XXXX and XXXX credit bureaus and they still haven't deleted off my report. I know you have sent them letters as well because you stated in the letters. I have sent them so many letters and still not deleted off my credit. Phoenix since you the one reported to them can you please reached out to them. I also made a complaint against XXXX case # XXXX with the Consumer Financial Protection Bureau stating they will be doing a investigation and I have to reached out to the creditors. I have reached out to them. I did and compliant against the XXXX as well with case # XXXX and doing investigation. I am attaching the letters you have sent me on XX/XX/2021. Please called or send them a demand letter to deleted this. Account numbers are XXXX, XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America was suppose to have set my account to pay all outstanding checks and debit card transactions as long as the balance did not fall below {$200.00}

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 2018-03-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I joined a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. Otherwise known as XXXX XXXX. However after agreeing to join it i never received what i paid for to help me find someone as they promised to help me do. They promised a website, professional photography, and event meets. I never got any of that. No services or anything. And now they sent a company after me for {$2300.00} cents. That was no where near what i originally agreed to pay. Especially for a scam dating service that did not give me anything for what i paid and i decided to abandon it. The debt collector after me is called Fair Collections and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX and threatening to ruin my credit with the 3 major credit companies by sending me letters in the mail. Because other than this my credit is good. It has taken me 3 years to make it good.

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 2021-09-13
Company: Kikoff Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: AR
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:
Student loan was put on my credit report without my consent

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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
The credit reporting agency is reporting a business account on my personal profile. Additionally, they report it delinquent when it's absolutely not. There is no payment due on this account. In any case, this is a business account and therefore should in no way appear on my personal profile.

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 2020-01-26
Company: Experian Information Solutions Inc.
State: MD
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 believe my credit profile may have been merge with other family members with similar name .... we all have live at same address in XXXX, md

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage Acct # : XXXX w/Bank of America was paid off on XX/XX/20. We forgot to turn off auto pay and a payment of {$5400.00} went out of our XXXX XXXX account via bill pay to Bank of America on XX/XX/20. Bank of America received the payment and accepted electronically. The payment was deducted from our XXXX account. 

We first contacted XXXX XXXX and BofA on XX/XX/20 to inform them of our mistake. XXXX XXXX said that their was nothing they could to since it was sent electronically and BofA accepted it. But they assumed BofA would reject it since mortgage closed and provide us a refund check. 

BofA, after being on hold close to 2-hours, immediately informed they are going through a system 's upgrade and it could be up to 10-business days before our payment will be refunded. The payment has yet to be refunded to us or XXXX XXXX. 

We can not access the account on BofA 's website anymore since the mortgage has been paid off. 

We have called at least 6-times and waited each time on hold for at least two hours. When we finally get through the customer care person can do nothing more than take notes and apologize for the delay. We have entered case # 's XXXX and escalation # 's XXXX, but nothing ever happens. We have requested return calls, none have occurred. We have been asked to be forwarded to managers, calls are always disconnected. We have called the local branch and they say they can not assist. 

We need your assistance. It has been three weeks and BofA is refusing to refund a payment of {$5400.00} we made on a mortgage that was paid off.

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 2020-05-04
Company: Paypal Holdings, Inc
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I received a PayPal prepay card and loaded money onto the card. After making a few purchases I started having trouble sending money. The next morning I received a message about my account being blocked. And they were holding my money for 180 days. 
I have called numerous times and only get an automated answer about their call support center be closed due to COVID-19. It has taken me all day repeated to even get someone to message me back. 
Then I get the run around and sent to someone else who half the time ends the conversation before I can answer. I have asked to be co tacted my someone with more authority and they tell me to call customer service. I have explained to them that the call center is closed and they tell me to wait a few more days. 
I prepaid this money onto my PayPal and now they refuse to allow me any a cross to it or even speak to me about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
ive had a loan with this company since atleast XX/XX/2013, i have always been a good customer, i am now in a financial bind and i am running a month behind on my payments. they are threatening me, calling my work after i have asked them what can i do to bring my account current or how can yall help me. they never say anything nor try to help. i have never had an issue making my payments before until now and they will not do anything. the manager XXXX is rude and i have asked her not to call my place of employment and my references have also asked and she continuously calls. sometimes they will call 3 times in a row within a 2 minute time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The company TOWER LOAN IN XXXX XXXX XXXX NE WITH A GIFT AFTER VIOLATED MY HIPPA AND IN RETALIATION TO ME FILING HIPPA COMPLAINTS TO A FEW DISABLING CONDITIONS IN WHICH MY COMMUNICATION SENSES ARE LIMITED AS FAR AS VISION AND HEARING. THE COMPANY SENT ME A PRETENSE XXXX GIFT THAT I DIDNT ASK FOR AND AFTER IDENTITY THEFTING My Medical history THROUGH THE PHYSICAL THERAPY CLINIC NEXT DOOR, AND LATER STARTED ASKING ME TO PAY IT BACK AS A FEW WORKERS THERE DONT LIKE ME. And recently had me subpoenaed to court over it and it wasn't supposed to be a loan only a gift even after XXXX XXXX ADVISED ME.

Company response to consumer: Closed with explanation