BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-12
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I owed a XXXX XXXX XXXX XXXX from XX/XX/XXXX said I agreed to pay XXXX a month I never did that the statues of limitation have run out as of XXXX summons me to court I replied by sending the court the bill the summons and a letter stating did not owe it due to the statues of limitations on new York state is 6 years so they have put a judgement against me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In a letter dated XX/XX/20, I reported to Capital One that XXXX XXXX based in XXXX, XXXX failed to deliver part of services I contracted with them on XX/XX/20 with payment of {$2500.00} using my Capital One VISA credit card. The contracted tour started XX/XX/20 and should have ended XX/XX/20. However, XXXX XXXX unilaterally canceled tour starting Day 11. In my letter of XX/XX/20, I asked Capital One for a refund of {$1500.00} providing them information that backed up my request. Capital One agreed and posted adjustment on XX/XX/20. However, Capital One re-billed me {$1500.00} with their letter dated XX/XX/20 stating that XXXX XXXX provided Capital One information to support the transaction. I expressed disagreement with this conclusion in a fax dated XX/XX/20 which I repeated in a call I initiated on XX/XX/20. One invoice XXXX XXXX  provided Capital One was for a XXXX XXXX Tour between XX/XX/20 and XX/XX/20, which clearly did not occur because I took a XXXX XXXX flight out of XXXX XX/XX/20 using the same Capital One credit card. For all the other activities on dates I disputed, XXXX XXXX did not submit any invoice. Yet, Capital One maintains that I was not able to meet the technicalities of proof that VISA requires of them. Clearly, I can not provide proof for negative events.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I attempted to open a savings account with my local bank and they told me that I could not open an account. I asked them the reason and they told me that I had to contact Fifth Third Bank because it look like I had a debt that I had not paid. I then called the bank and they said that I had to pay a balance for an account I had with them a few years ago. Whenever I closed that account with Fifth Third Bank, I was never told I had any pending fees. I closed the account and I did not have any issues for years until now. I have had several accounts with different banks and nobody wants to open an account because Fifth Third bank sent my information somewhere and I can not get any account anywhere. They recently did this because I was able to open accounts until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Mercedes Benz Financial Services
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:
Mercedes Benz Financial Services ( MBFS ) # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
MBFS previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from MBFS for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an MBFS collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that MBFS had filed a negative mark on us. 
On XX/XX/XXXX we spoke w MBFS who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. XXXX confirmed on the same day that they had yet to hear from MBFS. 
We followed up w MBFS on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w MBFS. The MBFS rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w MBFS. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. MBFS suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from MBFS removing the mark. 
We lastly spoke w MBFS Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that MBFS credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
XXXX  still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: IN
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:
When logging into myEquifax, it consistently shows that my account has not been updated since XX/XX/2020. 
Additionally, I have been trying to dispute inaccuracies with XXXX XXXX XXXX account. This account was closed, however, it is showing as written off. Due to the circumstances and the fact that it is included in a pending lawsuit, I asked if it could be removed. The account has been settled and paid in full. 
This information was also confirmed to me by the lender directly. However, I am not seeing any updated remarks on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has refused to answer my letter requesting an investigation into two separate accounts by XXXX XXXX that were opened by some other person. Possibly a relative, but I am not sure. I have asked they produce the original documents containing my signature from XXXX. They have ignored all my requests. I have filed an ID theft report and they ignored that as well. They are willfully violating Federal Law. They must provide the original documentation or remove this. Neither are mine. 
These accounts are : XXXX XXXX XXXX - Closed Account Info XXXX  over labels for more details Account number XXXX AND : XXXX XXXX XXXX - Closed Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Auto Lease

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 2017-09-19
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My father XXXX on XX/XX/XXXX. I became responsible as a personal representative for his estate. Citimortgage was the mortgage company for my father from XX/XX/XXXX to XX/XX/XXXX. I requested documentation of his payments and sent in the necessary documents twice. I asked for a detailed account summary of his payment and fees within the 4 years that Citimortgage had his account. The mortgage company representative told me that they could give me records that span 7 years back from the time my father had an account with Citimortgage. I have only received 2 years worth of documentation XX/XX/XXXX-XX/XX/XXXX. I am requesting XX/XX/XXXX-XX/XX/XXXX. I have yet to receive the information.

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 2022-05-13
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo Bank closed my account and didn't let me know on XXXX. There was XXXX $ still in the account and numerous unauthorized transactions, which I disputed, and was informed by e-mail through Wells Fargo that they were being put back into my account. They won't let me back into the account to find a exact amount, it's around XXXX to XXXX XXXX I have contacted them XXXX times by phone and e-mail and I still don't have my money. I want my money.

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 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/25 XXXX, XXXX, XXXX Thief got access to my account through unlocked phone and unlocked capital one app account and XXXX  herself these amounts. I reported the transactions the same day. Capital one refused to refund these amounts to my bank account and now I am left without this money. I have been with them for years and have never had to file a fraud claim until that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2018 I was a victim of thievery. Through my XXXX account the perpetrator gained access to my Bank of America checking account. The perpetrator tried to obtain payments in the amounts of {$3500.00} and {$150.00}. i contacted Bank of America on XX/XX/2018 and reported the fraudulent activity. The amount of {$150.00} was paid and released. BofA permitted a claim to be filed for the {$150.00} to be refunded. However, {$3500.00} was in processing and since, my account would not have sufficient funds BofA stated that a claim would not be submitted. I was assured that a flag was placed on my account to prevent any requests of payments being made to XXXX, I would not be impacted any further and my account would be protected. My payroll is directly deposited into my checking account and also, I had sizeable checks that would need to be deposited to pay for Home Improvements being made to my home. On XX/XX/2018, the {$3500.00} was submitted again for payment. My funds were suspend and I did not have access to my account except for {$690.00}. BofA did not recognize the prior fraud, my account was not flagged, I was detrimentally impacted due to me not having access to my funds. I contacted BofA by phone since, I was working and the wait time was over 1 hour to speak with an associate. I then proceed to go to the branch. I then spoke with the bank representative who in turn had to contact the fraud claims. The {$3500.00} was in " processing '' and it was the policy of BofA to not release the funds. As stated this account obtains my payroll deposits, I had reported the fraudulent activities and yet I was not provided access to my funds at BofA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: FL
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:
They will not respond back after several notices of me wanting the signed contract. This has gone on for over XXXX years fraudulently. 
XXXX XXXX XXXX, XXXX XXXX. I do not know who they are but they are fraudulently continuing with practices that are illegal and posing as the education department. A fraud report was filed on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL EASATE LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my account.

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 2021-11-17
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any information from this company to verify that the information is accurate no account info dates or anything. I wasnt aware my info was sold to someone else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: LA
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:
I believe my identity has been compromised. On XX/XX/2022 I received XXXX XXXX alerts that my credit had been pulled in XXXX car dealerships : XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX On XX/XX/2022 I also received an Experian XXXX my credit had pulled at another car dealership : XXXX XXXXXXXX XXXX XXXX. I called all three dealers and told them my identity had been compromised. I put credit locks and fraud alerts on all bureaus. I called my local XXXX 's department and they advised me to come here. I'd asked one of the auto dealerships what information had been given- the person used my old address, had my correct place of employment but incorrect job title, and a phone number that wasn't mine : XXXX. My XXXX 's department said it was likely a spoof number and could only tell that it was a XXXX number.

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 2022-05-13
Company: Professional Claims Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this was back in 2020 and I paid my amount but not sure why NOW I get a letter form collector like if I still owe money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Receivables Performance Management, LLC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
filed complaint before XXXX -- - they said need phone number to stop calling and did send in dispute response -- - their response wanted me call them but since not able use phones then ok how and no way calling collection agency and go round and round with before can help you need verify social security number and other stuff can just change person owing info to yours scam -- - not giving all kinds personal info like that just to demand they stop calling wrong person -- this is XXXX person

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
My complaint is about a dispute improperly handled by the credit card company. 

My credit card ( XXXX card ) was originally issued through XXXX. In XXXX 2015 I disputed a charge of {$100.00} for a XXXX night stay at XXXX XXXX TX, because the services provided were not as advertised or as expected. ( Very briefly : We did not get an accessible room as requested, and my XXXX husband XXXX. There were various other problems as well, none of which were corrected. ) I provided plenty of evidence supporting my claim. The bank issued a conditional credit while investigating. After about XXXX weeks I received a letter from the bank stating the charge was placed back on my account because I stayed in the hotel, i.e. received the service. 

I disagree with this decision because : -I never denied that I stayed in the hotel. My reason for dispute has consistently been that the services were substandard, not as advertised or expected, and the management made no effort to correct the problems despite repeated requests. 
-The bank was fully aware that I stayed at the hotel when they first placed the charge in dispute. If there 's no recourse they would not have initiated the dispute in the first place. 
-XXXX offers protection to customers for services that are substandard or unsatisfactory, as do other credit cards. " Services rendered were not as expected or advertised '' is XXXX of the specific reasons provided by credit cards for disputing a transaction. I provided ample evidence to support my dispute under this option. 

When I called to appeal their decision, I was told that the credit card has been transferred to a new bank, and I should contact them. I contacted the new bank, First National Bank of Omaha, and submitted my rebuttal to them. The representative said she would talk to a supervisor and see what she could do, but so far I have heard nothing and the charge remains on my account. My email to her attached. 

I then emailed XXXX XXXX XXXX, Executive Vice President of Consumer Banking in First National Bank of Omaha. Again heard nothing. My email to him attached, with supporting documentation about the dispute. 

It appears that neither credit card company protected my consumer rights provided through XXXX or Fair Credit Billing Act. I am requesting your help to get this dispute processed correctly and issue the refund. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
Ive written Equifax numerous times and received my credit file dated XX/XX/XXXX, confirmation # XXXX today stating that inquiries are factual. I have explained that the inquiries were not mine and they continue to promote and condone identity fraud. I have a security alert on my credit file because of this. The following inquiries are not mine and I want them deleted from my credit file : XXXX  XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX. XXXX XXXX inquiry date XX/XX/XXXX Equifax Mortgage inquiry date XX/XX/XXXX Equifax Mortgage inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX By the FCRA the consumer reporting agencies MUST report all information accurately and when requested, they must investigate all discrepancies. I did not authorize any one to check my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: JPMORGAN CHASE & CO.
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:
I tried to contact the Dispute Dept of JP Morgan Chase Bank on XX/XX/2020 XXXX XXXX PDT to dispute a charge on my credit card, I was transferred to the Dispute Dept and was put on hold. Their phone system told me I only needed to hold for 15 munites, but turn out after 1 hour 20 munites, still no one picked up my phone. They just put people on the phone forever and let the stupid music run for hours to fool customers and drain their blood and spirits until they all got exhausted. So abuse! By the way, I am XXXX XXXX in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CBC Companies, Inc.
State: LA
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 XXXX credit inquiries that were not authorized or I have NO IDEA WHY THEY ARE ON MY REPORT. They have made my credit score drastically decrease.

Company response to consumer: Closed with explanation