BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I made a large payment ( thousands of dollars ) to my Capital One credit card by accident. I was using an online bill pay tool from my bank and clicked on the wrong payee. I noticed right away that I had made this payment in error, and I called Capital One that same day. Capital One told me to hang up and call my bank. I did so, but the payment had already been processed by the bank, and the bank told me that I'd have to request a credit balance refund from Capital One. I called Capital One back and they told me that they could issue a refund as soon as the payment cleared. 

That was several weeks ago. Since then, I have been on several hours-long telephone calls with Capital One trying to get my credit balance refunded. Each time, the person I speak with tells me that I haven't submitted enough information. I have given them everything they've asked for. I have provided them with a bank statement showing that the erroneous payment came from my account, that I own the account, etc. But each time, they tell me it's not enough and they need more information. Now they are telling me that they need to speak with my bank, but they can't hold for more than ten minutes and my bank has a hold time longer than ten minutes. I don't know what to do at this point. I also submitted a written request for a refund of my credit balance. It is a lot of money and I suspect that Capital One is intentionally withholding it from me for some reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I am growing so frustrated wi th Macy 's  not correcting wrong information under my credit card account on all of my credit reports. I used to have an account wit h Macy and t he number was #  XXXX . The account is missing many many months of information but in  XXXX  of    2013 it i s displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late w ith Macy 's, a nd when I had problems processing a payment it was due to the associates errors and lack of communication fro m Macy 's w ith me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified.   THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 Balance : {$50.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-08-12
Company: National Credit Systems,Inc.
State: MI
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:
National Credit systems contacted me for a debt in XXXX. I disputed the amount and what it was for and was provided little information or how the charges were brought about or were they actually done. I did research and questioned the validity of the debt and the collector which has been pretty shady. I paid them in XXXX of XXXX so i could continue to rent apartments which I have done so for three years. They closed the account on my account in XXXX XXXX, just to reopen it in XXXX to say that I owe it. They refuse to provide the paid letter and any information on the debt, so I can take it the legal route. I lost the paper they originally sent to my apartment in XXXX I do have my bank statements showing that I paid them in XXXX XXXX and I will gladly show them but they refuse to accept them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Peterson Enterprises, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Our dispute to this account is due to the fact that we are not responsible for the original charges ( XXXX. ) and therefore are not responsible for subsequent charges generated by interest and/or contractual collection fees ( Valley Empire Collection ) as we were not living at the address responsible for generating the utility charges since XXXX XXXX, XXXX. During that time, the property was being rented to Tenants who were contractually responsible all utilities. Within a transmission to Valley Empire Collection ( XXXX WA ) were sent XXXX ( XXXX ) separate Residential Lease Agreements outlining the dates the property was rented. Further, particular attention was directed to page XXXX ( XXXX ), part XXXX as each agreement clearly stated " Tenant is responsible for the following utilities and services : Water, Trash and Recycling, and Electricity and Gas and is required to register the utilities and services in Tenant 's name. '' Finally, on page XXXX & XXXX ( respectively ) of the rental agreements we painstakingly highlighted that the tenant was responsible to contact / activate services " before '' taking possession of the residence and that they could NOT take possession until the services were " registered in their name. If they failed to do so before the lease began, the tenant was responsible for any maintenance and charges resulting. '' This agency has been reporting negatively to all major credit bureaus since XXXX which has continually damaged our ability to generate a good credit history / obtain acceptable interest rates on credit cards and even a favorable home loan. 
My last contact with this company to dispute the matter was XXXX of XXXX and now 7months later they are again attempting to collect the debt that is clearly not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: NC
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:
On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX   XXXX   I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be  XXXX . Within the first week of having the car, I had to take it back to dealership  five ti me to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX ,  I got stationed in  XXXX ,  XXXX , I have my mother Power of  Attroney fo r my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would conta ct my commanding officer of my command if i  did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

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 2020-03-31
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our transition from XXXX XXXX  to NewRez has been full of miscommunication and representation. We have had perfect payment history with XXXX and tried to pay our mortgage due during the transition to NewRez ( we never received our welcome packet or information to pay ). Between XXXX to XXXX - we have diligent tried to pay our mortgage and work with the new Mortgage provider. Constantly being reassured we are within RESPA by both XXXX and NewRez, waiting for the documentation we were unable to pay our mortgage with the new provider. The new provider then reported TWO 30 day lates against our credit which sent our finances and credit into a downward spiral. 

Shellpoint Mortgage is owned by NewRez and its representatives express inexperience and lack of professionalism. The company 's infrastructure shows they are unable to properly track communication and or escalations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been sending disputes and supporting documentation to Transunion for almo st two ye ars trying to fix incorrect information on my credit. I 'm filing this complaint because Transunion has had plenty of time to address my concerns but they have ignored my disputes and dismissed them as frivolous. Transunion is reporting that my closed  XXXX   XXXX  auto loan from   XXXX   was past due and is now a paid repossession. This could n't be farther from the truth. I never missed a payment on my  XXXX   XXXX  loan and I paid this account in full years ago. Transunion needs to report that my auto loan has been paid in full and closed. It was never delinquent and there was never a repossession. The account number for the account is :  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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2021-11-03
Company: WELLS FARGO & COMPANY
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received in regular mail a threat that they ALREADY filled a suit against me and the only way to ameliorate the suit is to pay them {$910.00}. They are also threatening to do a hard inquiry on my credit report. 

The letter is from XXXX XXXX XXXX, XXXX, XXXX. 

XXXX XXXX XXXX. 
XXXX, OR XXXX The supposed debt is for Wells Fargo ; they are alleging I have an overdrawn account I owe for. The problem is, I havent had a Wells Fargo account in 15 years or more and do not owe them money, not to mention there arent Wells Fargos in HI where I live. The reason I know this is, this is the second fraudulent attempt to collect debt on behalf of Wells Fargothat I dont owe and have never owed. I confirmed this with Wells Fargo about 6 months ago and have the letter. I also filed a similar complaint with CFPB at that time which was resolved in my favor.

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 2021-10-06
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital One Bank reported a payment 30 days late. After discussing the issue with Capital One I was assured the issue was fixed. Capital One immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called Capital One and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but Capital One never properly moved forward to do this. I was explained to twice by Capital One this would be fixed and I am running out of options to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX Balance : {$8100.00} ; 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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 incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Balance : {$8100.00} ; 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 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 non-monetary relief
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: VA
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:
It's not my account and inquiries, i have never applied for this. I believe that somebody used my personal information and applied for this. I'm not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It's not my account and inquiries, i have never applied for this. I believe that somebody used my personal information and applied for this. I'm not responsible for this debt.

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 2020-07-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/XXXX i applied for a Small business loan with SBA due to me have financial difficulties during this pandemic my funds was deposited on XX/XX/XXXX I went into the bank tried to withdraw funds They wouldnt allow me to get them they asked me for proof of my business I provided them with my tax schedule C form Because my business I do not have a EIN They wouldnt allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
It has been a battle going through this and I am submitting this CFPB complaint requesting the Credit Reporting Agencies to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Once again, I need the following items deleted as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/2021

Company response to consumer: Closed with explanation