BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX ( As shown on my credit report ) hired Southwest Recovery Services ( SOUTHWEST RECOVERY SERVI as shown on my credit report ) to report to all three of the credit agencies in regards to a claim. 

In XX/XX/XXXX a then girlfriend of mine hired the roofing company to perform a service. The service went south and SHE decided not to pay the remaining amount owed. In response the roofing company filed a suit in court ( In or around XX/XX/XXXX. When the suit was filed the above mentioned recovery service called her to take care of the balance. She did not want to pay nor had the money. They then threatened that the roofing company was going to take her home. In addition, they mentioned that I was associated with the account. She said I was not and then called me to let me know what they said. I then called the county courthouse to find out if my name was associated with the case. They said NO, my name was not listed or on any of the documentation filed. I then asked my at this time Ex girlfriend for the contract signed in XX/XX/XXXX for the service. It did not have my name or contact information listed. It is my opinion, in XX/XX/XXXX the company used my license plate information to find out the information. 

I have informed Southwest Recovery Services that this filing was false and fraudulent. They have called me atleast twice a day since receiving my file. They are extremely unhelpful, disrespectful and aggressive. I am concerned about my inaccurate credit score and the nightmare I have experienced.

I received CFPB information from XXXX when I disputed this claim. They are currently working on disputing the information based on what I provided to you all ( CFPB ). I honestly don't understand how Southwest Recovery or  the roofing company received my information and was able to put this false report on my credit without proving ANYTHING!!! 

To support my claim and to validate this concern, I have copies of the agreement for their services ( Shows that I am not associated ) and the court filings that show I am not associated. 

I implore this company to take actions against Southwest Recovery Services in XXXX Texas. I can't imagine how many people they have falsely done this to. Furthermore, XXXX   suggested that I report this to the BBB. I am also filing with them also. 

Thank you for your consideration and hope to hear back soon.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I used the Special Financing Offer mailed to me. My minimum payment was {$29.00} and knowing I had to pay off the promotional balance by XX/XX/XXXX I paid an extra {$100.00} per month to be used for the promotional payment. This extra {$100.00} per month was not applied to the promotional balance. Unfortunately, I do not look at my monthly statements and only now did I look to make sure the balance would be paid in full and found it was not applied and now I will owe close to {$600.00} in interest charges. I called the company on XX/XX/XXXX and was told I was suppose to call and request the extra XXXX XXXX monthly payment to be allocated to the balance due. I have re-read the promotional material mailed to me and no where in the description does it say this was required. They said they can only go back 60 days so they offered to apply my extra {$100.00} payment to my XXXX, XXXX, balance. In researching this I found that " the credit card company is required to apply the two payments before the delayed interest period ends to the delayed interest balance, in their entirety. '' Even if nothing can be done in my situation the entire payment was not applied to the " two payments before the delayed interest period ends '' - only {$100.00} was applied only because I called to complain. How many other thousands of consumers has this happened to?

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 2018-08-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding balance owed to XXXX XXXX, located in XXXX, TX. I went to the apartment community, and arranged a settlement with them to resolve the outstanding balance back in early XXXX of 2018. I am attaching a copy of the arrangement that was made, as well as the proof or payment/receipt, to show the debt was resolved. You can confirm the resolution of this debt with the apartment manager. Her name is XXXX XXXX, and her phone number is XXXX. 

A collection agency named IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX, that I still have an outstanding balance owed to XXXX XXXX. I have tried for four months to get this collection agency to report this debt as resolved, or remove the account from my credit report ; but they refuse to do so. I am also attaching a snap-shot of my XXXX credit report as of today ; which shows that they are still reporting the debt as unpaid. 

I am calling upon your organization to help correct this situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a PNC HELOC line of credit and loan since XX/XX/XXXX. Per the terms of the loan, payments are automatically withdrawn from my PNC checking account monthly around the XX/XX/XXXX of each month. Per the terms of my loan, the automatic payment withdrawal program entitles me to a .25 % interest rate reduction. However, since XX/XX/XXXX, PNC has been intentionally misapplying my additional principal payments and not automatically withdrawing my normal monthly payments in order to benefit themselves with more interest and prevent me from paying down the loan faster. Their failure to correct the problem since XX/XX/XXXX ( despite numerous phone calls and online disputes of payments ) has resulted in me paying additional interest that otherwise would not have occurred had they correctly applied the payments or corrected the problem in a timely manner.

As you can see from the attached statements, on XX/XX/XXXX, I made an additional principal payment of {$500.00} that was initially applied to principal, then reversed to be applied as a normal payment ( principal and interest ). This caused the normal XX/XX/XXXX payment to not be automatically withdrawn and I had to make the payment manually on XX/XX/XXXX which was again applied as a normal payment ( principle and interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was on a payment plan with commenity bank which for no reason removed me from the plan where i was making minimum payments up until XXXX and began harassing calls. I get about XXXX calls daily as early as XXXX until XXXX and theyve been calling friends and unknown individuals with the same last name that i do not know trying to reach me and disclosing information about a debt owed to them in collections and leaving their numbers and well as voicemails with numerous individuals to contact them regarding a balance and debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America ( as well as other major banks ) makes special effort to be opaque about the fees that are associated with specific bank accounts. For example, despite my efforts, I was not able to find on my online account what fees are associated with incoming international wires ( the best I could find is " fees varies '' ). There should be an easy to find link from each online account that specifies clearly what are the fees associated with every transaction for this particular account. Right now it is extremely hard, and the feeling is that the bank deliberately makes it hard to figure out.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: OH
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 contacted the 3 credit bureaus experian, XXXX, XXXX multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681

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 2023-09-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
my personal address and employment on my credit reports are incorrect and must be changed. it reflects wrong information PLEASE REMOVE ALL OTHER ADDRESS OFF MY REPORT AS THEY ARE NOT DELIVERABLE TO ME BY US POSTAL OFFICE ANT THEY ARE NOT REPORTABLE PER FRCA SINCE THEY ARE INACCURATE.

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 2023-04-24
Company: WELLS FARGO & COMPANY
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022, I encountered an issue with a double charge for my wedding photography payment of {$880.00} in XXXX with my Wells Fargo Visa credit card. After noticing two identical transactions from two different merchants, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, I initiated two separate dispute inquiries with each merchant as I was unsure which one to file with. One dispute was closed immediately, with the explanation that it was a duplicated error.

However, the other dispute was also closed, stating that the merchant had provided the services for which I was billed, and that I had accepted the services. I strongly disagree with this decision, as I have not paid for the same service twice in one day, especially for wedding photography services.

I have spoken with Wells Fargo customer service and expressed my concerns, requesting the exact time that the transactions occurred. Unfortunately, I was unable to obtain a satisfactory response. While I was advised to file another dispute with the other charge, it had already been declined at the beginning of the process. 

I am deeply dissatisfied with this outcome, and I would like to file a formal complaint regarding this matter. I kindly request a thorough investigation and resolution to this issue, as I believe it is unjust and unfair. I would like the extra {$880.00} refunded.Thank you for your prompt attention to this matter.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be removed.

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 2023-03-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged me overdraft fees on numerous occasions and were not valid

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 2023-07-11
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2023-09-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
After watching the ads by XXXX XXXX XXXX. about their allegedly all purpose efficient satellite internet service, I decided to engage their services by contacting them online. A technician arrived on XX/XX/XXXX to install a satellite dish and a modem. Then he made me sign on a blacked out tablet twice allegedly to confirm that he was there to install the equipment and that I was satisfied with his service. To my dismay as soon as he left I found out that the internet streaming service by XXXX is unusable for my subscriptions to XXXX XXXX XXXX and XXXX being interrupted every few seconds with buffering and pixilating images. This was not corrected despite my calls to their help technicians for five times. At last one advised me to watch my movies only from XXXX XXXX  to XXXX XXXX. I tried that but that didn't work either. I tried to wait until XXXX technicians could finally solve this problem. But by XXXX week of XXXX, I have had enough and immediately sent a certified letter dated XX/XX/XXXX and received at their main office as of XX/XX/XXXX. Thereupon I went into my account and instructed Capital One XXXX XXXX that I was disputing all of the collection charges by XXXX XXXX XXXX. Over the course of about two months from XX/XX/XXXX to the present, there had been series of messages between me and Capital One with that company crediting back to my account the charges of XXXX XXXX but later putting them back as collectible dues after that company serves them the usual contesting messages citing a contract that tied me to their service for two years. I did not sign that contract which was simply sent to me via e-mail and I believe my signature on a blacked out tablet was gained through subterfuge and fraud. And yet, Capital One consistently sides with XXXX XXXX. My position is that the transaction is void because of failure of delivery of satisfactory service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed XXXX {$19.00} XXXX XXXX XXXXXXXX Balance Owed : {$32000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-03-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had a problem with bb & t a year before they merged with SunTrust XXXX XXXX had XXXX of dollars disappear causing numerous overdraft fees and inefficient funds now its only has gotten worse so from XX/XX/2019 I have had a lot of problems and issues but I'm still giving them my business because they say that they will resolve everything but it keeps happening right no my account is negative and I have to have my pay check come on a money card this is ridiculous!!!! It's has been a total of about over 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 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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