BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX  XXXX, account number XXXX ; 2. ) XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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 status incorrect

Complaint:
In XX/XX/XXXX XXXX informed a delinquent account to my credit report. I payed in XXXX the late payments and in XX/XX/XXXX I did the loan payoff. I don't understand why my account was reported delinquent since XXXX was the one extending my payment date. Please advice as soon as possible since this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I previously had a Home Depot credit card through Citibank. I used it a few times and paid off the balance and then didnt use it in the past year. Unexpectantly I recently received a bill from them and it appears they have transferred debt from my husbands business credit card to my account. My husband 's business has had difficulty and he has some credit cards he has not been able to pay. However his business debt is not my debt - I use my money to pay the mortgage and food bills. I tried calling the Citiback but they want me to give them my phone number, SS #, or account # just to answer my questions about the letter they sent me. I am not willing to give them any of my information as then they will give this information to their debt collectors. How can I resolve this quickly and easily. I am willing to file a lawsuit because creditors seem so evil these days. 
thanksXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Transaction issue

Complaint:
I have a Macys Credit Card. They have me on electronic statements. I usually go to their credit website once per month - see my statements, and current balances - and pay what is due. To avoid interest - if I purchased furniture - I pay off the minimum due in the length of time allowed for the special purchase. 

The problem is this : for the last week Macy 's credit website is not working. I ca n't see ANYTHING about my credit balance, statement, payments. I ca n't make or schedule a payment. I have a screen shot of the error that occurs. This is happening to everyone - yet Macy 's is NOT being forthright and honest and upfront about it. There is nothing whatsoever on their regular site indicating a problem with the credit site. In fact the error that occurs appears to blame the issue on the customer " an error has occurred - time to call customer service ''. Ridiculous. I finally went into the Macy 's store where I requested a Manager. She was unable to personally get into her Macy 's account on the website either. NO COMMUNICATION WAS SENT TO THE STORE MANAGERS THAT THERE WAS A CREDIT SITE ISSUE. She called Customer service on my behalf and got the runaround - and incorrect information - and what we all get when calling Macy 's customer service. They acted like " what, the credit site is down? ". She refused to give up and told them - YES, the credit site is down. They finally relented - and said - YES, the credit site is down. This is Macys Customer Service? Who the customer is directed to call when receiving the error that the credit site is down? AFTER XXXX DAYS OF BEING DOWN? And they act like it 's news to them? The Store Manager requested that I be put back on paper statements so I could avoid the hassle of the site being down. At first she got the run-around AGAIN from Macy 's Customer Service - they told her they could not do it - and that I had to do it ONLINE AT THE CREDIT SITE. Yes, the credit site that has been DOWN FOR XXXX days. She made it clear how absurd that was - and they finally relented and switched me to paper statements. But this will take several months. So, I have to make a blind payment - without knowing whether the amount is correct for me to avoid interest. I have no idea what I have been charged - what transactions posted to my credit card - nothing. What is the most frustrating is that Macys appears to be hiding this from consumers. Most legitimate banks and stores - post information about their website technical difficulties and downtimes on their site. Macy 's says nothing. After XXXX days - nothing on their site - and I still ca n't get into their credit site. I have gone online and found others who are having the exact same issue. I would not be surprised if Macy 's denies that there is even an issue. If this complaint allows me to attach documents I will show the error screens received when I try and login to the Macy 's credit site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA Mortgage loan with Loan Depot. I reinfinaced with them in XXXX of 2020. I sent in a payment of XXXX through my bank, XXXX, on XX/XX/2020. I received an email from Loan Depot it was received on XX/XX/2020. However, it was never applied to my loan. I also sent in another payment in XXXX which was applied to my loan and balance, but the first was was not. 
I have called loan depot over 8 timesand sent over 5 secured messages to them about the situation. No one can tell me how to get this fixed or apply my payment they have to my loan. I also faxed in proof of payment from XXXX on XX/XX/2020. I have not heard anything back. I want them to respond and apply payment. 
Loan is XXXX. My name is XXXX XXXX. It is a VA loan through Loan Depot

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Issue: Late fee

Complaint:
I obtained a Best Buy Credit Card administered by Citibank. I signed up for paperless billing. I have faithfully made the payments on time. For the XX/XX/XXXX statement I submitted payment and it was posted by Citibank on XX/XX/XXXX in the amount of {$110.00} which exceeded the minimum payment. It was received and posted by Citibank prior to the XX/XX/XXXX payment due date. I proceeded to get multiple past due notices, dunning phone calls and in the end a past due charge. When I contacted the company, their position was that my payment was too prompt so it was not applied to my XX/XX/XXXX statement. This is not a late fee, it is an early fee. None of the customer service representatives were able to correct this issue.

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 2021-01-07
Company: U.S. BANCORP
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: Investigation took more than 30 days

Complaint:
I paid off a loan with US bank and on the last month they had a different/ lesser amount listed which I paid in full. Then 3 weeks later I look on the app and it says I didnt pay amount in full and was past due. I paid the amount listed, it was an error on their end on two app. I also paid the balance in full within 30 days but they still reported the late payment to the credit bureau. When I called them they said they would have it removed but they did not keep their word. They even waived the late fee so clearly they were at fault.

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 2016-01-17
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Purchased a Samung Dryer online at Sears.com. Dryer was never delivered. Received no calls from Sears. Credit card was billed for the purchase. Made four calls to Sears in regards to this, all ending in promises that we would be contacted within 24 - 48 hours with a resolution. Never received a single call from Sears. Issue is now in dispute through CitiBank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Enrolled in XXXX preferred without my consent. I 'm XXXX years old and Noticed I 've been charged for this service. My XXXX is not what it used to be, and once my daughter started looking at things she noticed that funds were being withdrawn. Reference number : 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 2016-11-10
Company: Phelan Hallinan Diamond & Jones, PC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is related to Case # XXXX which is not resolved. Disputed response from company but was advised to resubmit complaint. Company did not respond to XXXX out of XXXX requests : Req # 2 - Loan Accounting and Third Party Servicing Systems Information Req # 3 - Existing Admissions See accompanying attachment : " CPFB Dispute to XXXX response XX/XX/2016 " for details.

Company response to consumer: Closed
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2017-03-01
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am currently enrolled in a 12 month " rate reduction plan '' with Navient. I had started this payment plan in XX/XX/XXXX. The 12 month plan has not ended yet, as of XX/XX/XXXX my AUTOMATIC PAYMENT was NOT processed and now Navient has sent a notice of late payment and has advised that a late fee will be issued. I have raised this issue with Attorney General XXXX Office. Navient must take responsibility for their injustice actions once again. This showcases their harmful practices! My loans and account are always being mishandled which forces me to take action at every turn! This needs to be RESOLVED IMMEDIATELY! I can not afford for them to INCORRECTLY REPORT ME TO THE CREDIT BUREAU AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. Memebers XXXXXXXX XXXX XXXX is the only one that remains

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is in regards to case XXXX. I 'm fighting First Hawaiian Bank, they are looking for unjust compensation for a mistake one of their younger representatives made by releasing to me money from an uncleared check. A check that totaled {$2600.00}. The FHB policy states that I should have only been given {$200.00} of the {$2600.00} until the check had cleared. It never did, but that did n't stop their unprofessional and obviously unaware staff from releasing to me ALL the money THE DAY OF. It also seems that the ambassador FHB had chosen to dispute my last response on the CFPB website had n't done their research either. I had an overdraft fee almost every month I had been a member of their bank. But why would they withhold and deny me that information? I am disputing this, I have received letters from collection companies sent to my address harassing me to pay. I will not be held responsible for a mistake THEY made. I was handed money that should n't have yet existed until it had been verified. I refuse to be bullied and taken for by a bank that could have easily AVOIDED this problem. First Hawaiian Bank could have just as easily prevented this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX CXX/XX/XXXX Account Number XXXX XX/XX/XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 2021-01-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
WELLS FARGO TRYS TO SOLICIT ME A CREDIT CARD USING MY NAME WITH THE SOLICITATION AND WAS TOLD SEVERAL TIMES TO OPT ME OUT AND CAN NEVER DO IT BECAUSE THE SOLICITATION IS ANOTHER NAME OTHER THEN MY SELF WHICH I BELIEVE ITS MY SONS NAME ON THE CARD. THEY WERE TOLD NUMBERUOUS TIMES TO TAKE MY NAME OFF THIER SOLICITAION OR OPT OUT WHEN SENDING THE SOLICITATION TO MY ADDRESS WHICH I HAVE NO RELATION SHIP WITH WELLS FARGO BANK! WHEN ASK TO STOP USING MY NAME OVER 6 TIMES IN A 4 MONTH PERIOD NEVER SEEMS TO STOP THIER PRACTICE AND CONTINUE TO USED MY NAME ON THE APPLICATION SOLICITATION WITH OUT MY AUTHORIZATION FOR THE 10 TIMES IN 6 MONTHS I ASK THEM TO STOP THE PRACTICE. ID THIEF IS ONE OF THE FASTEST MOVING CRIMES IN AMERICA AND I DO NOT WANT TO GET ON THAT LIST!

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 2015-05-20
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
AmSher Collection Services reported to credit bureaus a debt which I never owed. It is for XXXX XXXX, which I still use and am current, and have been current, on my bill, but they say I opened up another account in XXXX of this year and owe over {$400.00}. I have used Century Link since at least 2005 and when we moved over 3 years ago, we paid our balance and signed up for Century Link at our new home ( I am sure they would NOT have given us new service without paying off the old ). I have no idea how to respond to these people. I DO NOT OWE THIS MONEY! These charges are erroneous or fraudulent but either way, they are not ours and need to be removed before more damage is done to our credit! FURTHERMORE, we never once received anything from these people indicating that they thought we owed this money .... the XXXX we heard of it was from our credit report which leads me to think they are bipassing the system as a sneaky way to conduct a fraudulent business.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've bee always on time with my mortgage payments. My provider New Rez, sent a late payment report to the credit bureau. And they haven't fix it. This is affecting me and they don't do anything about 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 2016-09-12
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Son received phone call to his cell phone looking for me. I was informed to contact XXXX XXXX about an outstanding debt. XXXX informed me that I owe a debt from 1985 from XXXX XXXX XXXX in the amount of {$2000.00} plus $ XXXX+ in fees and penalties. She had my full Social Security number and read it back to me over the phone. I was told that if I did not pay this now, I would face arrest and I would be met with my wages being garnished and property will be seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX directly for a balance i had. I got a alert on my credit account after i paid for the balance by a collection agency stating i owed a balanced when i did pay it off.in addition i never got any notice from a collection agency. They never sent me a notice. I did stay in touch with XXXX and there should be recorded conversations that i did call them to let them know i was going to be late and that i was going to reestablish service with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation