BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: GA
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 filed a complaint about fraud items reported on my credit report around XX/XX/2021. The items included XXXX XXXX  for XXXX and XXXX XXXX for XXXX. Both items are appearing on my XXXX and Equifax reporting. Its been over 30 days and the items were not resolved still pending investigation. I also disputed hard inquiries on such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  which has yet to removed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under any status. It 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 explanation
Consumer complaint received 2022-05-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
In XX/XX/XXXX, Ex-sponse, XXXX was told, XXXX XXXX XXXX Accepting Car will continue to belong to XXXX XXXX the Co-owner, so order. I asked Nissan Motor Acceptance to remove him as the Owner. I had been reaching out to them to update this information since XX/XX/XXXX. I told them he Closed our Bank account and stop supporting our XXXX from XXXX XXXX To XXXX. That's when my Alimony Benefits started XXXX late.Then I had a started part-time job @ XXXX XXXX XXXX XXXX XXXX , In XXXX XXXX XXXX  ( Laid off ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I continued to pay on my Car. I just need his name off on my Car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, we lived at XXXX XXXX XXXX XXXX and XXXX our rent on time and early without any issues at all. However, after we paid our final rent for XX/XX/XXXX and moved out of the apartment in order to move to our new House. we were first told by the XXXX at the time that we didn't need to pay that rent since we were on a monthly lease and then they said that they would not refund us the {$1100.00} we overpaid since they were going to withhold the money in order to pay for " Damages '' that were incurred even though they were representative of living with my wife and XXXX children for 8 years without the apartments even coming by for an inspection and repairs ; that was normal wear and tear. and without my knowledge, they then took my account to Allied Collections for the amount of {$1900.00} since the end of XXXX and I never received a formal letter or call from Allied Collections stating that I had any debt to owe and they have ruined my credit for no reason since we were denied for an auto loan and that negative mark showed up on the report. My XXXX called the XXXX XXXX days ago and asked why they hit our credit report with a collection and they said that it was because of unpaid rent even though I still have receipts proving that I had paid rent XXXX in the month of XX/XX/XXXX and they suddenly could not provide us with receipts that we had paid our rent on time. So my XXXX  then called advanced management and emailed their president and she got a call from the regional XXXX XXXX XXXX stating that the debt sent to us was sent in error and they should not have even charged us for normal wear and tear and that she will call her back in a day to rectify that but she never called her back. I went ahead and filed a dispute with XXXX and I have come here to file a dispute with the CFPB in order to rectify this

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 2021-08-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought a ticket ( amount of {$3500.00} ) for a festival in XXXX XXXX expected to hold on XXXX XXXX from a company called XXXX using my Citibank debit card on XX/XX/2021. The organizer of event canceled the event on XX/XX/XXXX due to COVID-19 pandemic and promised to refund. I applied for the refund on XX/XX/XXXX but alas, the merchant XXXX refused to refund till date. 
I contacted Citibank of the issue and provided all the documentations to back up my dispute. I provided letter showing events was canceled, email exchanges with the merchant promising to refund but didnt ( all evidence attached ) and asked Citibank to investigate the matter and help recover money from merchant since I used my Citibank debit card. 
It is with disappointment that I received a letter from Citibank dated XX/XX/XXXX ( attached ) that they are unable to investigate the dispute because too much time has passed and they encourage me to seek the refund directly from the merchant. I consider this lazy and ridiculous despite providing all evidence to Citibank that merchant was deliberately holding the funds and not trying to repay, despite canceling the event. 
I am very sad being treated in this manner despite being a Citi customer for 11 years. I even contacted my Citibank relationship manager, XXXX XXXX, to intervene in the matter with no luck. This transaction is supposed to be the easiest to resolve since the merchant canceled the event and promised to refund.

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 2016-01-13
Company: Argon Credit
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently applied for a loan with argon credit corporation for XXXX. I was approved, in a funding status and signed a contract to repay the loan. After a few days they never deposited the money into my bank account I called this loan company where my money was and they said they had a freeze on all loans and they would expedite my request to get my money. They later came back and denied my loan breaking their end of the signed contact and did n't give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had 2 companies pull my credit report in the last year, XXXX reported to my car insurance that I had too many credit inquiries. That is outrageous! 2 credit pulls in Order to refinance our mortgage. Also, that my oldest credit account has been open for a short time. Also, outrageous. I have had my credit accounts for years. Also, insufficient time since last retail account. Also outrageous. I have had my retail accounts for years. I use the same two credit accounts when I shop and pay the balance in full each statement. I want this fixed. I have a score of XXXX and I have a credit monitoring service. I want these errors on my report fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
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:
For the record I have advised Experian on multiple occasions that the reporting of a dispute account was inaccurate. I contacted the creditor directly through certified mail requesting Debt validation with a letter dated XX/XX/XXXX. However, the creditor failed to provide me debt validation. I then attempted to dispute this account through Experian 's Online Dispute center. On XX/XX/XXXX Experian updated their reporting to include late payments on a charge-off. The disputed account was supposedly charged off in XXXX however the results of Experian investigation resulted in them reporting the account as a charge off with late payments as of XX/XX/XXXX. I made my second attempt to have Experian correct their reporting or removal of this account through certified mail with the dated XX/XX/XXXX. This letter also included a copy of the letter I sent to the creditor. Experian later came back with dispute results that still reported the account as a charge-off that was past due as of XX/XX/XXXX. Experian made no attempt to investigate their reporting of this account. I followed up with Experian through certified mail with letter dated XX/XX/XXXX. I included copies of all my attempts with this letter. I also included XXXX findings of this account. On XX/XX/XXXX Experian claims to have investigated and updated the results of their reporting. Instead of doing the right thing and removing this erroneous reporting. Experian buckled down with more erroneous reporting. Experian is now reporting this account as a charge-off with late payments as of XX/XX/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 2022-08-04
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a payment for {$20000.00} to Barclays to pay off a card. They informed us they did not receive it and should send another payment. In the meantime, they cashed the first check and applied it to the wrong account, then cashed the second and applied correctly to our account. After numerous calls the acknowledged their mistake and said it would take at least 30 days until they can return the {$20000.00} they mistakenly applied to someone elses account. I cant wait 30 days for a mistake they made, its $ 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 monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had 2 companies pull my credit report in the last year, XXXX reported to my car insurance that I had too many credit inquiries. That is outrageous! 2 credit pulls in Order to refinance our mortgage. Also, that my oldest credit account has been open for a short time. Also, outrageous. I have had my credit accounts for years. Also, insufficient time since last retail account. Also outrageous. I have had my retail accounts for years. I use the same two credit accounts when I shop and pay the balance in full each statement. I want this fixed. I have a score of XXXX and I have a credit monitoring service. I want these errors on my report fixed.

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 2015-05-27
Company: PMAB,LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Insurance company should have paid this and i was told these debts were resolved and to disregard any bills sent to me. I never recieved any bills from the medical providers. I just recieved bills from debt collectors XXXX later, thinking by this time the insurance had taken care of it. Now these unresolved debts are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Selene Holdings LLC
State: LA
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:
Selene Finance has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. Listed below are some of the actions they have done. 

1. They are reporting that the account was opened on XX/XX/XXXX, which it was incorrectly transferred to them on XX/XX/XXXX by XXXX XXXX. 

2. They have reported to XXXX and XXXX that the Last Payment Made was on XX/XX/XXXX, and they reported to XXXX that the Last Payment Made was XX/XX/XXXX. No payments have ever been made to them. This debt was included in Bankruptcy Case filed under XXXX XXXX XXXX the United States Bankruptcy Code, entered on XX/XX/XXXX at XXXXXXXX XXXX and filed on XX/XX/XXXX. The court requested a validation of debt from XXXX XXXX XXXX c/o Selene Finance LP and it was ordered that XXXX XXXX XXXX c/o Selene Finance LP claim XXXX XXXX XXXX It was further ordered that the property was not subject to the bankruptcy estate and debtor XXXX XXXX is not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX 

3. They have reported a balance of {$180000.00} with {$73000.00} being past due, and there is no past due balance because the loan was paid off thru XXXX XXXX. XXXX XXXX incorrectly transferred a closed mortgage account. 

4. They have labeled the accounts as a Account Included in Bankruptcy, and Loan Modified. This is incorrect because the judge dismissed their claim and stated that I was not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX 

5. They also continue to show this account as open and currently delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a transaction because I received a faulty product from XXXX XXXX. XXXX admitted the product was faulty. They refunded my money after refusing to refund me when i went into the store initally. It was a huge ordeal, but they finally refunded it after acknowledging the product was in fact, faulty as received. This product happeend to be a computer component that ended up damaging another component ( that was also purchased from XXXX ). I went into XXXX and told them what happened and that the product was damaged by their faulty equipment in the first place. They refused to refund me my money even though they h ave a policy regarding defective equipment ( it is not barred from refunds ). After they refused to refund me for the piece of equipment that I bought from them that their intially purchased product damaged, I submitted a dispute to Discover Card. Discover closed the dispute in my favor a couple of weeks later. I have the documentation of this. A couple weeks after taht, I received an email stating that they reversed the credit because XXXX XXXX " disputed '' it through them. They gave me an opportunity to present my documentation in response to XXXX dispute. Or so I thought. I spent hours drafting my respoonse and getting a witness statement because everything that the XXXX manager that I dealt with and that drafted the response to Discover Card said, was a blatant lie. I faxed my documentation in the same day and I spoke to discover today who still is refusing to protect me and the purchase. At this point, XXXX refuses the refund even though it is within their policy. Discover Card is gave me the opportunity to present my evidence which I did, but they are n ow completely overlooking it, and I am out over {$200.00} for a computer component that does nto work due to the original XXXX component damaging it. This is not fair. Discover said that they wil lnot take any of my statements into considersation simply because of the response they received from frys. I want to know how this is fair to a consumer to have a manager make up lies and have those hold water over their " valued '' cardmember 's statement ( and a witness statement ) and other supporting documents. My complaint is towards DiscoverCard in not accepting my rebuttal or evidence to approve my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/2021 I contacted Chase requesting a hardship program as I was having trouble paying down my bill. They refused. 

One year later my financial situation is worse. The hardahip department refused to get on a call with me. I asked my representative to reach out to them twice She both with XXXX and XXXX both of whom refused to get on the call. I am meeting my minimum payments each month however only {$35.00} goes toward principle. It is impossible to lower my bill without sone kind of help from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Every few years, I've received a call about an 12 year old Wachovia acccount. I have called XXXX XXXX and Wachovia in the past and they have no information about the account or who's contacting me. I have obtained a consumer report that has no trace of this account. Now there is a law office threatening to serve me with a lawsuit if I do not pay. It has been every couple of years that I am contacted but the last time when they threatened to sue was on Friday, XX/XX/2020. I have told them that I will try to get some information from the bank to show that I don't owe this debt, but the bank has no information to give.

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 2016-10-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage through Wells Fargo for 3 years. during year two, I lost my job, due to a XXXX, and I was unable to find suitable employment that was able to pay my bills. I attempted to get a forbearance on the loan. They kept requesting documents and losing them. I demanded a different agent since the one I was talking with would n't return phone calls and repeatedly lost documents. They refused to do such, and after a year of dealing with this and other issues, they repossessed my home. At the time the county appraised my home at a taxable {$160000.00}. This played a part in a years worth of trying to recover, crawl out of homelessness, and completely devastated my credit. Wells Fargo did everything in their power to ensure that I had no ability to actually save my house, and refused to discuss options with 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 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
1. I RECEIVED A DEBIT CARD FROM CAPITAL ONE BUT DID NOT OPEN IT 2. I CALLED CAPITAL ONE AND THEY FOUND THE ACCOUNT USING MY SOCIAL SECURITY NUMBER. 
3. SOMEONE OPENED AN ACCOUNT USING MY NAME, ADDRESS, SOCIAL BUT WITH A DIFFERENT PHONE NUMBER. 
4. CAPITAL ONE CLOSED THE ACCOUNT 5. I WILL REPORT IT TO THE POLICE 6. I AM CALLING XXXX AND XXXX I EXPECT CAPITAL ONE TO SEND ME CONFIRMATION THEY HAVE CLOSED THE ACCOUNT AND THAT THEY HAVE REPORTED THE CRIME AND REPORTED THE PHONE NUMBER OF THE CRIMINAL TO LAW ENFORCEMENT AND THE CFPB BECAUSE THEY WON'T GIVE ME THE CRIMINAL 'S PHONE NUMBER PLEASE HELP CATCH THE PERSON RESPONSIBLE. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Collection Bureau of America Ltd.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX XXXX XXXX used to supply water to the office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I work, their services were terminated for non-performance. they did not deliver the water to the office they have been delivering the water bottles to the wrong business XXXX XXXX. 
However, because of erratic performance and resultant services termination, they wanted us to pay for all the services that were delivered at the wrong office. Because of the disagreements, they went ahead and took the account to collection. Not only that they reported it as personal debt on my credit which is an abuse of credit law 1. XXXX XXXX XXXX is a registered business entity and not the same as me 2. I Never personally guaranteed any services 3. Deliberately putting an incorrect reporting on my personal credit wrong and unlawful 4. I have called many times to make them correct this anomaly but they refused 5. I do not reside at this service and this purely a business place 6. u can not slam someones credit because you have access to it 7. I didn't enter into any personal agreement or contract with them

Company response to consumer: Closed with explanation