BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an issue with " XXXX XXXX '' XXXX XXXX ( XXXX XXXX ) and XXXX  charging a membership fee early in XXXX. I called and XXXX  refunded the membership which I canceled XX/XX/XXXX. I beleived there was no further issue. I usually only make purchases from XXXX  on my XXXX and had not been to XXXX since the summer of XXXX. I found out in XXXX there were fraudulent charges on my XXXX ( {$750.00} charged XX/XX/XXXX ' ). I reported to the credit card company XX/XX/XXXX. They said they would get back with me once resolved. XX/XX/XXXX I heard nothing, but my fico score was dropped from the 800s to upper 600s. I called and phone number now went to citibank XXXX. I talked to XXXX, then was transfered to XXXX, she was very nice and the first person guinuinly trying to resolve the issue. She put me on hold several time while she conversed with the " gurus '' ( XXXX, XXXX XXXX and others. Eventually after a couple hrs XXXX make a XXXX way call with XXXX  bank because there was essentially no information about the charges, just the amount and fees. Once on the XXXX way call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) transfered us to the fraud department which I originally reported the case to in XXXX XXXX assured us it would be looked into and resolved which it has not. It has been 4 months since the fraudulent charges were made and just shy of 3 months since I reported the fraud to XXXX XXXX  fraud department. My nearly perfect credit has been destroyed l, all my multiple attempts to have this corrected have been ignored. Spending over 15hrs over multiple months on the phone making calls, reports, filing with XXXX  they always promis to correct the situation, but I just keep getting a email cluttered every day with threats from XXXX for a purchase they know is fraudulent. I have more than tried waiting as calmly as I can while XXXX ( XXXX XXXX and Citi Bank ) continues destruction of my credit which is 100 % the banks fault. When reading from XXXX  web page XXXX XXXX  has apparently made a business out of destroying people credit which is probably why they changed their name to XXXX XXXX. A company with unethical practices as this should not simply be able to change their name and continue unethical practices, someone should be held accountable because the damage caused is much more than just a few hundred bucks of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
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:
I received a subpoena from Midland Credit XXXX XXXX in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. On XX/XX/XXXX Hurricane Ida damaged my home and I am now XXXX in Florida XXXX XXXX XXXX. I called XXXX XXXX XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said XXXX was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Despite numerous disputes with Equifax, they are reporting 2 accounts ( XXXX XXXX XXXX & XXXX ) which are outdated and should have come off my report automatically. I had the same issues with the other 2 credit reporting agencies but they were quick to fix the error. Equifax is an extremely hard company to deal with.They refuse to fix information that is outdated and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I requested XXXX XXXX XXXX, dba, Chief Executive Officer, to perform a set-off and adjustment of all charges by the exemption in accord with UCC section 3-419 ; House Joint Resolution 192 of June 5, 1933 ; Public Law 73-10 ; Title 26 section 674 ( b ) ( 5 ) ( b ) under Safe Harbor and UC Constitution and release me from the obligation ( {$34000.00} ) under AMERICAN EXPRESS account ending XXXX. Mr. XXXX fail or refused to perform his fiduciary duty as it relates to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Brock & Scott, PLLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint against the company for trying to collect a false debt from XXXX previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from XXXX, the original creditor. 

The attorney is intentionally not releasing the debt to XXXX so that I can satisfy the charge off so that I can close on my home. 

I have also copied and ccd XXXX XXXX  and and attorney on this complaint so that I make sure Im following all steps required beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I filed a dispute online with Equifax on XX/XX/2022. An account for XXXX XXXX XXXX was inaccurately reported on my account as a closed collection. I contacted XXXX XXXX XXXX and was told that I dont have an account in collections and they would contact Equifax to have it removed. On XX/XX/2022 Equifax closed my dispute as completed in accurate. I contacted XXXX XXXX XXXX again and was told again that I did not have an account in collections or closed. Equifax did not properly investigate my dispute and has caused me a great deal of stress, Im having a hard time buying a home as a first time home buyer because of this inaccurate account that was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: UNITED MORTGAGE CORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am working with United Mortgage for more than seven months to get my payment lower, for far the same papers that i have been submitting they are asking for again and this is how its been for the pass seven months.I have fax these papers over and over and to my surprise they keep requesting the same items. I am trying to explain to the mortgage company that my bank statement with XXXX XXXX is now XXXX, I feel the mortgage company is looking for a way to take my home not to help me keep it. I have come to understand the bank looks for ways to take your home not to work with you to save it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CURRENT CREDIT REPORTS. I'VE NEVER RECEIVED ANY TYPE OF NOTIFICATIONS IN REGARDS TO THE INVESTIGATIONS RESULTS. IT HAS BEEN WELL OVER THIRTY DAYS. ALSO I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2023-10-14
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo kept multiple deposits in pending for days, for no reason but according to my available balance they appeared to be then continued to send me overdraft notices. Called after the first one and tried to transfer funds within the same bank to cover their mistake but they assured me it was a glitch. Then my transfers within Wells Fargo were kept in pending too, which has never happened, and they sent another overdraft notice. This time the customer services reps were repeating the same things, that I already knew, over and over without helping me at all. When a bank starts to hold your money hostage for days and cant provide you with any comfort that it is safe and you arent going to be charged undeserved fees, that is when you no longer trust them with money. Ive been a customer for over a decade with no overdraft fees and this treatment is 100 % 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 explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: NY
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 am submitting this complaint about XXXX  credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my XXXX credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with XXXX  and was told I need to speak to XXXX XXXX. XXXX XXXX  told me I need to clear it with XXXX. This is a circle and Im getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am writing to inform you all I am filing a complaint against Truist Banks cash reserve, a line of credit of up to {$750.00} offered based on qualifying direct deposits in checking and/or saving accounts. After my call on XXXX XXXX of XXXX, I was unable to resolve bringing my first monthly payment down to the {$190.00} from {$330.00} after explaining that a previous supervisor, who I spoke with on XXXX XXXX  of XXXX, and the terms and conditions failed to properly inform me that if I took a cash advance in the midst of an active advance, charges would be applied on the dude date from both advances. I reached out right after I took the advance ( XX/XX/XXXX ) and after the statement posted ( XX/XX/XXXX ) with no clear resolution. The terms and conditions also state that I can write a letter to Truist if I believe my statement balance is wrong and I will be sending a letter by XXXX XXXX which is five days before my payment is due & when a letter must be received for automatic payments to stop. I also, according to the terms and conditions, must report this error no later than sixty days after the error appeared and writing a letter by this date falls in that timeframe.

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 2021-11-16
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX in the amount of {$620.00}. On XX/XX/XXXX, my loan was sold by XXXX XXXX XXXX to Specialized Loan Servicing. Since that date, I have made the following payments : XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} Since my loan transferred, I have never been credited with the initial {$620.00} payment on XX/XX/XXXX despite forwarding proof of payment and information from XXXX XXXX XXXX on when the payment was forwarded, the amount and who signed for it. I have made well over 20 calls to SLS since XX/XX/XXXX trying to get help in solving this issue. Now 41 days later it still has not been solved despite providing irrefutable evidence that the payment happened and was forwarded to them and signed for by an employee named " XXXX ''. I NEED HELP...... PLEASE! I am beyond myself that this has not been resolved and that the desire to solve it is not there on their end. The resolution that I am seeking is to have the amount credited. I would love to see them sell my loan, but would settle for the credit to my account. Please help and investigate this company. Their ratings on the XXXX website and XXXX are awful.

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 2020-01-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is attempting to collect a debt without proof of ownership. The company is in violation of the Truth and Lending Act ( TLA ) by reporting the debt as mine to the Credit Agencies XXXX, XXXX, and XXXX. The company is using statements as its course of debt validation. However, the ( TLA ) requires an application either written are orally to provide proof of an alleged debt the ( TLA ) also requires fair and accurate reporting and that interest rates be provided dollar by dollar. I do not owe and acknowledged this alleged debt and neither agree with it. If this company owns this alleged debt it must provide the chain of assignments and the contract between it and the seller and certification of ownership and provide the receipts and proof of how much they purchased the debt for. I have enclosed an enhanced validation request in this complaint to the company. Although the company has stop collection activities they are still reporting to the credit agencies as an attempt to collect the debt and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting 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 u.s.c 1681.. 
Account Name .... XXXX XXXX XXXX  .... Account # XXXX ... Account Name... XXXX  XXXX  .... Account # XXXX ... Account Name .... XXXX XXXX XXXX ... Account # XXXX .... Account Name .... XXXX XXXX ... ..Account # XXXX .... Account Name ... XXXX XXXX XXXX XXXX ... Account # XXXX ... Account Name ... XXXX  ... Account # XXXX ... ... ... 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 an account without my written instructions...

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

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 2023-08-14
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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

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 2021-05-02
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2020 from XXXX XXXX XXXX XXXX account XXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made 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 2023-10-09
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I deposited {$250.00} on XX/XX/01 to open a savings account and received a text from the bank at XXXXXXXX XXXX  that day acknowledging my application. 
Application ID XXXX. THEN XXXX  since and I have spent hours demanding the return of my deposit as no savings account was opened. 
Numerous bank reps refused to escalate this issue and I was lied to numerous times. Only after I posted on U.S.Bank XXXX page weeks ago was this escalated.

My deposit was stolen

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 2023-06-03
Company: JPMORGAN CHASE & CO.
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:
XXXX during COVID 19 Cares act is using information more harshly against XXXX XXXX. Everyone from expert XXXX, XXXX, XXXX and XXXX do nothing to protect the consumers rights under COVID 19 Cares act. Spoke with some XXXX who claims she will check into this however when it happened I called and was assured the late payment would be removed that is driving my XXXX score down. Being XXXX Im needing the bathroom remodeled from r my ability to take showers. XXXX, XXXX, XXXX and XXXX only protect the business which is why XXXX  is being done away with as it is.

Company response to consumer: Closed with explanation