BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2016 I received a call from my tenant at XXXX XXXX XXXX XXXX indicating there was no heat in the home. As it was winter in XXXX and my tenant has XXXX children, I needed to get it addressed ASAP and my husband was out of town on business. I called a few places and was able to get XXXX to come out the next day. 
Communicated with tenant on XXXX/XXXX/2016 he was smelling gas from the water heater exhaust as the hole they cut for the filter was way too big. Tenant was very concerned for his family and their safety. 
I called American Express to dispute the charge and explain the situation. I was told by a representative NOT to contact the vendor, he would take care of that. I asked him a minimum of 2 times and he told me that I did not have to, and American Express would. 
As I understand the communication from XXXX, they have no records of any contact being made to them after installation and have not been given the opportunity to remedy the issue. I did n't contact them under the advisement of American Express. 

Since then I have been disputing these charges with American Express and they can not make the connection that I was acting on the direction of their representative. American Express now wants me to pay for the furnace as XXXX does not want it back and American Express will not take any responsibility. 

I have been a card member with them much of my adult life and am completely frustrated that they will not assist me and " back me up '' as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I Discovered an account serviced by midland funding on my credit report that was not mine. in effort to remove it, i paid the attorney representing midland the funds. In addition, i 've asked midland for a full validation of the debt which they have not provided after asking several times. The funds were paid to the attorney on XXXX XXXX however midland is reporting as of XXXX XXXX the account is open with a full balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Midland Funding LLC has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries and account that I have never authorized. I have heard that sometimes bureaus making mistakes or sometimes its about Identity theft and somebody used my personal information. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires and account. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries and account be immediately deleted from the credit file that you maintain under my Social Security 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 explanation
Consumer complaint received 2022-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
The loan on a XXXX XXXX was paid off to Capital One on XX/XX/XXXX. I received a notarized lien release letter on XX/XX/XXXX. On XX/XX/XXXX I received a second notarized lien release letter with the vehicle title. As of XX/XX/XXXX the account remained open so I filed a dispute with XXXX, XXXX, and XXXX to have the account marked as paid off. Their investigations all came back saying that I was 30 days delinquent. My credit scores dropped as much as XXXX points. This is unacceptable and must be corrected. I appreciate your help in that goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently had fraudulent activity on my Capital Credit Card ending in XXXX. I miss-placed my wallet and my card was fraudulently used at an ATM machine. Capital One is stating that they are holding me responsible for the charge even though they are clearly Fraud ; and I nor anyone I know did not authorize the charge. They are stating it is due to the fact that I had my pin number stored in my wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and Equifax continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Dear XXXX XXXX XXXX and XXXX XXXX XXXX, I like my Capital One products but there is a personal issue that is partially unresolved. It is partially resolved because Capital One was able to make monetary restitution to a credit card insurance scheme that I was paying. Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. I am currently having a successful career. However, I went to a very difficult time when I was experiencing hardship by being unemployed and collecting unemployment benefits. During those difficult times, I qualified for benefits as described under the terms of the Capital One benefits agreement. I was being harassed by Capital One on my cell phone to make payments. Some of those collection reps were condescending and rude. Maybe, it was a language barrier problem. They did not want to consider that I have insurance benefits that cover that type of hardship. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I tried 2 days ago to order a replacement card as mine has worn out. I go online to do so and the system says I need to call in as it 's " ineligible '' for replacement. I call 3 times today to try and fix. The first time I get hung up on. The second time I just get placed on hold and then end up hanging up. The third time I 'm not allowed to speak wit h a manager and I 'm to ld there is high call volume. I sit and wait until I end up hanging up. I 'm online now chatting and they state they can not assist me and have to have me call  AGAIN. I  advised I would not call in again and must have this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: M&T BANK CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
credit card for M & T bank was opened in my name without my knowledge

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 2016-11-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was bought by Bay View Loan services in XXXX. I had missed the XXXX Payment. I made the XXXX Payment Then was contacted by the office asking me to enter into a repayment plan to make up for the payment I had missed. My payment went from XXXX to XXXX for 6 months. I had made all payments until I went to make the XXXX Payment then I was informed that the gentleman that had been over my account had left or had been let go and that my repayment plan had been cancelled. Then now they are telling me that I am 4 months behind on my payments. I have all of my payment receipts and I have called them to talk about my payment history they then tell me all they can do is request a payment history then I can call them back. As I am hanging up the phone I receive a certified letter stating I have 7 days to come up with XXXX or they will be starting default procedings

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX is claiming I have past due credit card debt with HSBC, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XX/XX/XXXX and XX/XX/XXXX claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX XXXX from XXXX XXXX XXXX on Tuesday, XX/XX/XXXX. He stated they were trying to contact me about an alleged past due credit card debt with HSBC. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off XX/XX/2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Accscient, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is trying to collect a debt owned by XXXX XXXX, who used to own this phone number, but no longer does. XXXX XXXX is no relation to me, and I have no idea who she is.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly asked Equifax to validate the debt with documentation of my signature that I owed the collection company money. I have been disputing this collection for XXXX years and have not received any documentation from Equifax validating the debt reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit Management Inc is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland with supporting documentation and received an unacceptable response from Midland. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). Midland Funding is not my creditor. I have attached a copy of my credit report showing where Midland has inserted a tradeline in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Midland certified return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dear Sir or Madam : I am writing you because Chex Systems provided information that allowed adverse action against me based on the information they provided. 

Chex Systems never provided details as to the allegations against me. 

Consequently, per section 609 [ 1681g ] ( b ) Free disclosure after adverse notice to consumer of the Fair Credit Reporting Act I am entitled to a free credit report. 

The federal Fair Credit Reporting Act ( FCRA ) specifies section 611 ; subsection 1 ( A ) that a 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller is reasonable time to reinvestigate and remove the inaccurate information.

Moreover, Section 611, subsection 5 ( A ) states that any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer This verification was not done. Consequently, the adverse information from ChexSystems must be deleted from the report as soon as possible.

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 2016-04-11
Company: WELLS FARGO & COMPANY
State: HI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2015 I initiated a wire transfer from my personal bank account at XXXX in XXXX, XXXX to a business bank account at Wells Fargo Bank in XXXX XXXX, XXXX. Not long after I initiated the wire transfer process, I received a telephone call from the Wells Fargo Fraud Unit informing me that I am probably the victim of fraud and that I should contact my bank ( XXXX ) immediately to have the wire transfer stopped and/or recalled ; due to the 6-hour time difference I was not able to contact my bank until the following morning when they opened. The Wells Fargo Fraud Unit did not take any steps to stop or intercept the fraudulent wire transfer that they called me about! 

I sent the money to : XXXX XXXX. XXXX XXXX XXXX XXXX Attn : XXXX XXXX Phone ( XXXX ) XXXX Wells Fargo Deposited to : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX ( XXXX ) XXXX I immediately filed a felony criminal complaint with the XXXX Police Department via telephone and they have since arrested and charged XXXX XXXX with felony fraud. I have been working steadfastly with XXXX trying to resolve this issue and to get Wells Fargo to refund my money via reverse wire transfer since Wells Fargo identified the wire transfer as fraud, recognized that they were depositing into a personal account instead of a business account and that the account holder 's names were not the same and did not intercept or place the wire transfer on hold until it could be verified. Unfortunately, Wells Fargo bank has given me nothing but lip service and the run-around and wasting my time while I tried to resolve this amicably. My bank ( XXXX ) wire transfer department has sent the Wells Fargo bank no less than a dozen secure XXXX messages trying to recover this money that they put into the wrong account. However, Wells Fargo has completely ignored my bank and refused to even respond to them too. 

I am attaching a true copy of the original wire transfer instrument to this complaint. Please investigate and make Wells Fargo bank follow the rules and refund 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 2022-10-31
Company: TRIAD FINANCIAL SERVICES, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an excerpt from an email sent to Triad on XX/XX/2022. 

we closed on our construction to permanent loan in XXXX. I made payment in XXXX and XXXX for what was due. My XXXX payment was supposed to be my first permanent loan payment. My XXXX payment was never applied to the loan only showed up as unapplied. I made several phone calls at the end of XXXX and beginning of XXXX in regards to this. I was told because the loan was being transferred to permanent that is why it showed unapplied. Well it started getting closer to the end of XXXX and I called again. I believe the same day I called the 3rd or 4th time my XXXX payment was then reversed and also changed to unapplied. Tried calling again after a couple of no changes. Was told it was again because the loan was being converted, and they would send the the manage of the department an e-mail to call me. An e-mail was sent because getting someone on the phone in that department is a complete joke. I never received an email or phone call back from XXXX after the below email was sent. 

I called again on the Friday after that email and a lovely person in the servicing department got her manager involved. I received that phone call on Monday letting me know she was going to again get a message the manager in closing, XXXX, to call me. I received a phone call on Tuesday from XXXX who was told my XXXX to call me and tell me the loan had not been converted because I had not made payments. Had he or his supervisor taken 2 seconds to actually review my account before calling me they would have seen I made my payment on time and correctly both months. 

At some point in all of these phone calls I received the information that the original person working on converting the loan was no longer with the company. 

I do not what is going on, but my online account shows I owe a total of about {$2000.00}. As far as I can tell what is currently due after taking away what is in unapplied, my total due is still not what it should be for my permanent payment. 

Since this e-mail, I have spoken with XXXX, who is in the process of converting out loan to permanent, two time. Both times I have spoken with her she let me know it is being worked on and give a date about a week away that is should be completed. 

My 2nd payment for my permanent note is now due tomorrow. I have been reassured nothing will be counted against me, but at this point I now have 2 house notes to pay at once because of their issues and errors. 

This is been the worst mortgage/loan company I have ever had to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Chime Financial Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have an account with Chime Bank. An unauthorized transaction- a Pay Friends transaction - took place at XXXXXXXX XXXX on XX/XX/21. It says that an XXXX XXXX took {$210.00} and transferred it. I did not authorize it. I called Chime and theyre investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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