BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX a Balance Transfer was Initiated from XXXX ( XXXX ) to American Express ( Everyday Account ). However the Transfer to Amex was applied to an incorrect Account Number ( 8th Digit was incorrect ). I had spoken to both Companies with no luck. 
- XXXX : Claims amex had processed the Check and provided a Copy of that Check which I had Uploaded to there Document Center ( XXXX ). 

Amex was Contacted Several Times Date Ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX Amex Sent Notification I received via Email which was seen XXXX. 
A. Please be advised that your payment of {$4000.00} through check number was inadvertently applied to another card member 's account. 
B. we transferred the above-mentioned payment of {$4000.00} from the other card member 's account to your account. 
C. that the above-mentioned payment of {$4000.00} was returned on XX/XX/2020. In view of this, the debit of {$4000.00} appears on your XX/XX/2020 statement. 
D. However, if your records indicate otherwise, we request you to please send us a clear legible copy of the front and back of the cancelled check and complete and unaltered bank statement from the date of the debit to the current date. These copies will provide us with important endorsement information that we need in order to continue our research. We suggest you to that you return to your financial institution obtain a copy of front and back of the actual cancelled check ( s ) and forward a set of those copies to us. 


First, neither of these companies are willing to contact the other on the issue and instead are forcing myself to obtain information which I am have not seen or have privilege to such as each banks Accounting Ledger or in Amex Part D - " please send us a clear legible copy of the front and back of the cancelled check and complete and unaltered bank statement from the date of the debit to the current date ''. 

Amex did not send myself a Check and XXXX does not claim a check was received so it is impossible for me to obtain evidence of a Cancelled Check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: MS
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: AL
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:
Equifax is refusing to removed a fraudulent account even after I have provided them with an identity theft report dated back to the year of 2016 when said account was first opened and when I first acknowledged that the account was appearing on my credit report. I have also attached a copy of the FCRA Section 605B that states ( a ) Block. Except as otherwise provided in this section l, a consumer reporting agency shall block the reporting information in the file of a consumer that the CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer THEY ARE VIOLATION AND HAS STRIPED ME OF MY RIGHTS AND SHOULD BE FINED! I have been working with my attorney to sue for {$160.00} for being in violation of this section of the FCRA and keep INACCURATE information on my credit report that they in NO WAY SHAPE OR FORM VERIFIED IS MINE. NO VIDEO TAPE NO SIGNATURE OF DOCUMENTS SIGNED BY SAID RELATIVE of mines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX has reported information on all three credit bureaus that I have a collection account and my payment status has been past due. I contacted them on XX/XX/XXXX and spoke with XXXX who assured me they were going to do a manual update to correct this with the credit bureaus. She stated it would be 48 hours. She also reassured me that my account was never past due and account was allways in good standing. The information on my reports were wrong. She would have this corrected ASAP! And still has not been completed. This account was paid in full and satisfactory in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Starting XX/XX/20, paperwork was submitted to my employer ( XXXX XXXX XXXX XXXX, aka XXXX ) for a new 403 ( b ) account. Wells Fargo ( WF ) was instructed to release funds in the approx. amount of {$6700.00} from an existing IRA account to be rolled over into my new 403 ( b ) plan account at XXXX XXXX. 

On XX/XX/20, confirmation was received from employer that a TPA ( Third Party Administrator ) had submitted the paperwork to both financial institutions. XXXX confirmed receipt of paperwork. WF did not. The TPA is XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX : XXXX opt. XXXX, Toll Free : XXXX opt. XXXX ) On XX/XX/20, I asked my employer for the status of my request, since the funds had still not been rolled over. A week later, XX/XX/20, XXXX contacted me to confirm some details of my information. XXXX says they faxed the documents to WF. Then nothing happened, no updates, and no funds rolled over. 

On XX/XX/20, I contacted WF, who claimed no paperwork was received. WF rep indicated they needed the paperwork mailed, not faxed. I relayed that communication to both XXXX and XXXX and instructed them to mail the paperwork to the address WF indicated ( Wells Fargo Bank IRA Processing Document Capture COE/Document Management, XXXX. XXXX XXXX, XXXX, NC XXXX ). 

On XX/XX/20, I reached out again to XXXX  and XXXX for an update. The Business Office Director at XXXX, XXXX XXXX, and I called WF directly at XXXX, but were placed on a long hold and couldn't remain on the line. XXXX was able to confirm receipt of the doc packet by WF on XX/XX/20 by way of USPS tracking # XXXX. 

On XX/XX/20, XXXX 's rep XXXX and I initiated a conference call with WF to inquire on the status of the request. We were told once again no paperwork was received. The WF rep said he'd open an investigation to track down the paperwork packet. 

On XX/XX/20, WF rep " XXXX '' contacted me via email, indicating their research would be completed by XX/XX/20. 

On XX/XX/20 WF completed their investigation ( case ID # XXXX ), and maintained no packet was received, despite USPS tracking # indicating the opposite. 

On XX/XX/20, XXXX and I once again reached out to WF. Another rep said acknowledged receipt of doc packet but couldn't explain why the funds have not been released. She said she'd inquire and call back with an answer. 

On XX/XX/20, I called WF for an update. A rep named " XXXX '' now claimed paperwork had not been received, directly contradicting the prior rep. She said she'd inititate yet another investigation and call me back personally with the results. 

As of XX/XX/20, no results have been produced and no call back from anyone at WF. The funds remain unreleased.

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 2018-07-27
Company: Experian Information Solutions Inc.
State: DC
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:
I contacted all three credit bureau to have account removed but is still on credit report. Contacted few times no results.

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 2020-12-08
Company: Affiliate Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX. The letter states there client Pendrick Captial Partners has purchased my debt from XXXX XXXX  and they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by XXXX XXXX on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX XXXX XXXX responded with a XXXX  document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to XXXX recovery with a copy of the receipt to XXXX XXXX showing account was paid in full on XX/XX/XXXX. I requested XXXX XXXX to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, XXXX XXXX sent another letter. This letter was similar to the original letter. XXXX XXXX never acknowledges receiving the copy of the receipt showing paid in full. XXXX XXXX is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
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:
Ive tried several of times to reach out to this company in regards to this inaccurate item being reported to my credit and its causing great damage, emotional stress and financial stress. This item was taken care of with the original creditor by my insurance company, and for whatever reason it was sold to this third party collection agency, when I called to inquire about this item, the agent I spoke with was very rude, and violated my rights as a consumer by not verifying my information nor stating the mini XXXX. At this point I am reaching out to an attorney to file a lawsuit against this company for the damages theyve done to my credit. If we cant work this out outside of court I will be pursuing further.

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 2020-11-25
Company: SYNCHRONY FINANCIAL
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:
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiries on my credit report per XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per 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 2018-09-25
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: MI
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 XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.

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 2017-08-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
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 have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XX/XX/XXXX and then again today. This company accessed my credit without written consent and arerefusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING  IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO. Account name ONEMAIN Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: DC
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 did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX. XXXX XXXX and XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX Equifax Mortgage Services XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I received a letter from Citibank in regards to my secured credit card account. The letter basically stated that my secured credit account still needs a XXXX XXXX Account attached, in order to remain open/to be renewed. I called CitiBank multiple times in regards to why this requirement was still needed for my credit card account, but no one has given an answer. 

When this account was opened in XXXX of XXXX, multiple representatives of Citibank told me that if I managed my card properly and made on-time payments, my card would graduate to a regular/standard credit card that did not need collateral. Being that I've never missed a payment on my account, I've always paid the balance off in full every month and the card is in good standing, I don't understand why the card did not graduate into being a regular card instead of still being required to have the collateral account for another 12 months. On XX/XX/XXXX, I asked multiple representatives why this happened and no one gave me an answer, 1 representative disconnected the call, while another representative told me that they didn't know why, but someone would possibly give me an answer within 7 to 10 business days. Citibank isn't honoring what they said they would do and they need to do that.

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 2020-10-23
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19, I closed on my property in XXXX, XXXX XXXX. The lender for my VA loan is Cardinal Financial. My mortgage payment with escrows was XXXX. A month after settlement, I received notification that my payment was changing because I was being charged {$2400.00} for Hazard Ins. I had insurance in place at settlement and money was being escrowed for taxes and insurance. I am a first time homeowner and didn't understand what was going on. My sister takes care of making my payments as I travel and it is easier for her to do it for me. We kept making the mortgage payments -all on time- but XXXX was taking the money from the mortgage payment to make the difference with the escrow for the insurance I did not need. I kept getting phone calls in the evening asking for $ XXXX for late fees and my XXXX payment which was made and marked received on XXXX. I am tapped out and all this because they gave me a {$2400.00} policy I didn't need. I am a XXXX  Vet. with XXXX yrs of service and my retirement is {$1700.00} and change a month. I called XXXX today and held the phone for over 20 mins. How do I get this Hazard Ins.  removed from my escrow? And, all this was done after all paperwork was done and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to TransUnion and XXXX. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both TransUnion and XXXX making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX 's letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, TransUnion, or XXXX after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from TransUnion and XXXX on 2 separate occasions. 
1st and 2nd letters to TransUnion and XXXX  were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.

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 2022-08-06
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
On or about XX/XX/XXXX, one of my business partners tried to use her office credit card, but the charge was declined. I reviewed our credit card transactions online and saw that there were three transactions that I did not recognize : XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX XXXX  XXXX {$960.00} I called FNBO and immediately started a fraud investigation. I also reported that my credit card was lost or stolen. The representative told me that they would put these items as " disputed. '' Today, I received a letter from FNBO fraud investigation department stating that they were denying my claim because my " chip-enabled credit card was used at a chip-capable terminal ... and that my credit card had not been reported lost or stolen. '' First, I did report my card lost or stolen as soon as I learned of the fraudulent charges. Next, if someone stole my card and put the credit card in the chip-capable terminal, then of course that is how the sale was approved. The problem is it was not me making those purchases. Where is my signature that I charged these things? Where is any pin authentication? If the clerk does not check and ID, and still lets the person leave with the merchandise, then whose fault is that. I did not make these purchases and I should not be liable for them.

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