BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We recently opened a Capital One checking account because our son as their XXXX-focused account and we wanted easier transfers. On XX/XX/22, my husband used the account to purchase ammunition or his hunting rifle online. Later that day, our debit cards started being declined and flagged for " card fraud '' every time we tried to use them. The first time was at our local XXXX, where we had previously used the card without issue. I contacted customer service, and they said they would place a fraud exclusion for the transaction type so it would not happen again. On XX/XX/22, my son tried to take money out of his account at a local ATM ; it was declined and flagged for card fraud. He followed the instructions to legitimize the transaction through the texts ; it indicated that the problem was resolved, but when he tried again, it declined again for card fraud. I then tried to use my card to withdraw funds ; it declined as well. I followed the text and in-app instructions to fix the problem and tried to use it at the pump to get gas ; it declined again. I then contacted customer service again and was told they would again play a fraud exclusion on it. However, when I tried to get gas an hour later, it declined again. I then tried to use it at the XXXX where a fraud exclusion had specifically been placed ; it declined again. We have not been able to access our money since my husband purchased ammo, despite repeated customer service contacts and attempts to escalate the issue. We can not get our money or buy goods and services, and we can not get help from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a {$300000.00} electronic payment XXXX XXXX, which was confirmed by outgoing bank ( XXXX XXXX XXXX ). Bank with mortgage XXXX Citizen 's one ) lost payment, after finding it XXXX, they are not posting to correct date to account for lost interest. Every time I call they give my run around claiming it is posted correctly to the XXXX date. However there is no such documentation. Even when I check online. Most recently they reversed my $ XXXX payment and applied to XXXX making my principle increase. I have called multiple times and get told something. There is no one from finance dept that costumer service can turn to. On multiple time I was told I would receive call but did not. In summary, I a made a $ XXXX down payment to my principle balance to reduce interest, but this has not happened. 6 weeks of interest still charged and not credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Colony Brands, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been contacting this company each month since XXXX. I have contacted XXXX and XXXX as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. Monroe and Main is also reporting to XXXX that this is an unsecured loan and reporting to XXXX that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. Monroe and Main have failed to report mandatory information such as my last credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXXXXXX  # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN. The CARES Act calls these agreements accommodations.

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 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Over the past 6 months, my credit has dropped 70 points and then goes back up several weeks later. There is no reason for this drastic drop. I had a couple of hard inquiries but that would never make it go down that much. It continually is up and down drastically. Recently my bank account was compromised and I called transunion three times to get this issue resolved and no one helps me. They refuse to look into it and tell me to look at my credit report, which I have. I have been denied access to a supervisor there and was told they can not help me. There is no explanation for this drastic fluctuation on my report. I tried again today and they told me to call you because you have access to my credit. This is insanity and is affecting my getting a car loan and many other issues. Please. All my payments are made on time. I have not utilized all my credit and my status has remained the same so there is no reason for this severe fluctuation of my credit score.

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 2015-04-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I made a legitimate charge, was deceived, and when requested support from AMEX, was lied to. I was told via e-mail that I would receive detailed notification in writing/in the mail about my dispute, but was never received. Same time I received correspondence from AMEX separate from the dispute, but never received written detail from AMEX by XXXX Mail ( or otherwise ). Also, when I notified AMEX of the above, I was lied to and deceived. The whole matter cost me {$350.00}, and AMEX did not follow their written dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX XXXX and I would like to complain about Enhanced Recovery Company. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on XXXX credit report, the amount of {$68.00} reported by Enhanced Recovery Corp for XXXX XXXX expense. So I DISPUTED and talked to XXXX representative and waited for the result because it does not belong to me. However, XXXX replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in XXXX and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the Enhanced Recovery Corp directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on XXXX credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is Enhanced Recovery Corp and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX.

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 2016-03-22
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A private student loan of mine has gone into default due to lack of wages. The former owner of the debt XXXX XXXX XXXX apparently sold the debt to Transworld Systems. The account was immediately put on my credit and into collections. I did not get a notice that my debt was being sold ( which is required by law ) and Transworld Systems has made no attempt to contact me to prove ownership, correct balance or to even state they have taken over the debt. I would like an investigation to be conducted into the practices of these XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several problems with my account I have addesseses and names that are wrong accounts that are not mine and a few labled charge off and a XXXX  XXXX listing that is not mine

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 2016-03-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : Midland Funding , LLC Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted Midland Funding , LLC ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that Midland Funding LLC would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to Midland Funding in XX/XX/XXXX, over the phone. 
Midland Funding LLC stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BARCLAYS BANK DELAWARE
State: NY
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 XX/XX/2020 there was an unauthorized charge on my XXXX Mastercard ( Barclay Bank ) account in the amount of {$50.00} for a charge to XXXX. I called Barclay Bank and they reversed the charge of {$50.00} charge and the card account number was cancelled. Barclay Bank stated that they were going to mail me a new card. I never received a new card. 
Then on XX/XX/2020 and on XX/XX/2020 there were six ( 6 ) unauthorized attempts to withdraw money against my account at a XXXX XXXX. I received an alert on XX/XX/2020, I called Barclay Bank and informed them that I never received the new card and that I never attempted to use the card at a XXXX XXXX. On XX/XX/2020 Barclay Bank stated that they would investigate the fraudulent {$700.00} that Barclay Bank did permit to go through on XX/XX/2020. On XX/XX/2020, I called Barclay  Bank because I saw the unauthorized {$700.00} cash withdrawal at a XXXX XXXX did go through and it was appearing on my paper statement. On XX/XX/2020 the Barclay Bank representative stated that since the {$700.00} withdrawal was a card with a " chip '' and used at a merchant, I am responsible for the transaction.

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 2016-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My bankruptcy was XXXX/XXXX/09. Should n't this now be off of my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: DRS Financial LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed XXXX medical co-payments that I was told were in collection with Capital Collection Service. ( REF # XXXX ) XXXX in the amount of {$15.00} and the other {$100.00}. I originally spoke with XXXX and asked for some type of information she could mail me regarding the payments for these accounts as the XXXX co-pay for {$100.00} was being sent to wrong address ( which she corrected that day ) I told her I was not working at the time and she began interrogating me and practically " begging '' for a checking account. I said I do not have XXXX and could make small weekly payments and it was mutually agreed upon. On XXXX XXXX I attempted to pay online via their website and an error message popped up that the minimum payment allowed was {$20.00}. BUT my debt is only {$15.00}! So I called them and spoke wth XXXX and she told me the payment must be greater than {$20.00}. I said I will have to save to make the next payment. On XXXX XXXX I called them back to make the payment and spoke with another lady who told me XXXX is new and does n't know what she is saying and the payment has to be {$50.00} so I wrapped up the call and I went on their website and paid {$35.00} with a prepaid card. The week of XXXX XXXX in preparation for my next payment I called them up and spoke with a man who said the payment has to be {$50.00} because of their credit card fees. I said that is not my issue. On XXXX XXXX I go online to make a payment and I get the message " Transaction Failed : XXXX - Declined Do Not Honor Card ( XXXX ). Contact customer service at XXXX for assistance. '' Capital Collection Service manually blocked me from paying online and are forcing me to call them to make {$50.00} payments. There are certain regulations that are very important, and violations of them are worthy of reporting to the issuer or government : A merchant can not set a minimum charge for a purchase that is more than {$10.00}. XXXX regulations prohibit minimum charge amounts. I have screenshots of necessary details stated above and I am willing to take this to court as it violates my XXXX card rights and I am contacting XXXX consumer relations. My payments should be accepted regardless of the amount as I am lawfully paying down my debt. I should not be subjected to unlawful minimums because of their credit card processing fees, that is a cost of business and none of my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Dalty Acquisitions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification that my credit score dropped. Upon further review, there was a collections account listed on my report that I had no knowledge of. I called the XXXX XXXX XXXX and was advised that the account was sold to another creditor, who had no information for the alleged debt. This account was placed on my report with no validation of the debt and without any notification from this company I owed the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2017-07-25
Company: DISCOVER BANK
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have called Discover three times to get this straightened out. I called and agreed to pay {$26.00} and they would waive the late fee. I did it. via phone pay. They did not waive the late fee. I got another bill for {$26.00} late fee. I called. They said the would waive it. I got another bill with two late fees. They keep charging me a late fee. The account should have been zeroed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to National Credit Systems and XXXX. 

National Credit Systems placed a collection in the amount of {$5400.00} on my credit file in XXXX of XXXX. I received a letter from a private attorneys office in XXXX attempting to collect on the same account. After three attempts in reaching out to both XXXX  and National Credit Systems, the account still remains on my credit report and I have still have not received any correspondence from National Credit Systems. The account has been removed from my credit report by XXXX  and XXXX  since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a payment of {$750.00} on XX/XX/22. The payment should have been applied to each minimum promotional balance outstanding. However, the payment appears to have just been randomply applied to one specfic promotional balance. If this is not fixed I will potentially have to pay interst on promotional balances that are coming due that were not appropriately credit. 

I tried e-mailing and calling and no one can help.

Company response to consumer: Closed with explanation