BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: Southwest Credit Systems, L.P.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An internet company, XXXX and credit collection company, Southwest Credit are trying to scam me for {$140.00} I do not owe. I have never had an account with XXXX. Those companies, with no notification to me, filed this debt on my credit record on XX/XX/XXXX. I learned about it on XX/XX/XXXX. I called SW Credit, they said it was a bill that I owed XXXX XXXX from XX/XX/XXXXand XXXX had purchased XXXX XXXX. I did have an internet account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I had a XXXX XXXX, my wife was a XXXX victim. After my XXXX we had to close our home and move into a XXXX home. 
XXXX XXXX was notified, the antenna and all internet equipment was shipped to them. The contract was cancelled, they sent a final bill. It was paid and we never received further correspondence from them. Then three years later, this appears on my credit report. My wife has XXXX XXXX. I am an XXXX year old XXXX XXXX XXXX XXXX XXXX  veteran, live alone on a fixed budget with little but my past memories. As a matter of decency, I would like this removed from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
After attempting the close an account with Comerica Bank 5 years ago, the company kept the account open and did not transfer the funds as requested. Instead they deducted XXXX $ a month for 5 years without notification till they overdrew the account. 

Once notified of the overdraw, they demanded that we wire money to make the account whole before they would close it. We acquiesced and sent money to close the account, however the bank then charged a wire transfer fee and again refused to close the account till we paid even more money to close the account. 

This has been a complete scam and waste of our time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, they would n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Midland - Asset Acceptance, the collection company says I opened a XXXX XXXX credit card in 2006 which I did not. they are are now garnishing my wages and say I owe them over $ XXXX - they can't tell how much it was originally opened for. they have levied my checking acct in the past. I have asked for YEARS to have any kind of proof that i opened it and they have none. They say the burden of proof is on me and I have to file a fraud report. I NEED help. I didn't open this and my credit was bad at the time - no one would have given me a cc for a big amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 rewards from credit card

Complaint:
In XXXX  I used over XXXX Capital One points to purchase two Business Class tickets on XXXX XXXX for a river cruise in XXXX. The cruise was canceled due to COVID-19. I requested a refund from the airlines for the cash portion I paid for the ticket, and I requested Capital One credit back to my account the points that I used to purchase the airfare ticket, explaining to them the entire trip was canceled due to COVID-19. The airline immediately gave me a refund back to my credit card. The Capital One representative said it would take up to a month to credit my account with the points. Fast forward to today : It has been well over a month and the points have not been returned to my account by Capital One. They do not dispute any of the facts or information I provided to them. When I call all they say is my request is " being looked into. '' Meanwhile, there are many things I need that I could purchase with my points, but Capital One refuses to return the points to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 several accounts that does not belong to me and I need them removed from my credit report. I am listing the accounts below. 

XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXX. MIDLAND FUNDING XXXX {$2200.00} XXXX. XXXX XXXX XXXX {$970.00} XXXX. XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF THE WEST
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a buyer for my motor-coach and I requested a 10 day payoff. As ofXX/XX/2021 the amount was {$150000.00}. OnXX/XX/2021 the motor-coach was sold and the payoff was completed. Since there was a loan payment done right before the sale, an overage was created in the amount of {$2400.00}. I called Bank of the West numerous, numerous times to find out when the overage would be refunded to me. Bank of the West assured me that within the week a check would be coming to me. I never received that check. I sent a certified demand letter on XXXX with no results. Numerous more calls were made. I called and spoke with a representative who said the check must be lost and will issue a new check and send it out.I A few days later I received a check and deposited it, only to discover that Bank of the West had a stop payment on that check.I recruited help from my bank, XXXX XXXX  - XXXX, Texas branch to resolve the matter to no avail. My bank Rep. XXXX XXXX called Bank of the West and spoke with an agent that assured us that a check would go out the next morning. Needless to say, I have never received a check. This entire process started XX/XX/2021 and it is now XX/XX/2021. If needed, we have letters of documentation supporting all of the above facts. Bank of the West has never disputed that the overage is owed and the amount owed is {$2400.00}.

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 2021-05-26
Company: Navient Solutions, LLC.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between XX/XX/2021 and XX/XX/2021 I received 82 phone calls from Navient using 8 different numbers. I have spoken with them and attempted to address the issue and there has been no change. There were occasions in which there were 5 calls in one day some of the calls separated by 60 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I was at the register of my local JC Penny, located at XXXX XXXX XXXX XXXX Ma, when I was asked by a JC Penny associate to open a credit card in order to save 35 % off my purchase. I already had an online coupon for 25 % off my purchase when I asked if it was IN ADDITION to that coupon. I was informed by TWO associates working the counter that it would indeed be an additional percent off NOT one or the other. I then made a decision based on this information to go ahead with opening up a credit card. I gave all my information, ie salary, SS number etc. electronically through the register. Upon completing I was approved, and handed the receipt. I questioned the amount charged to the new credit card as it was not the math I had done in my head. The JCPenny associate called over the manager when I was informed that I could only use one discount hence the larger amount now charged to my card. I explained to the store manager the only reason I opened the account was for the discount and the opening of the credit card was under deceptive terms. There was no resolution to this mess as I now had to close a new card I didn't really want and never got the discount on merchandise as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: REGIONS FINANCIAL CORPORATION
State: NC
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:
Vendor keeps charging my debit card for a service not received and never signed up for. We inquired about XXXX classes for my son. The vendor required my credit card number even though they offered XXXX free weeks. I was told it was for liability reasons. My son got hurt the XXXX free class they offered. He was under doctor orders not to practice for XXXX weeks. My son informed the school he would not return due to injury and then summer would be here and he would not be in the state. They told him it was not a problem and he could return next school year. I have called them every month and each time I am told I must speak to the owner but he is never there and has never called me back. I filed a complaint with my bank. First they mailed the paperwork to an old address and then denied my claim due to not returning the paperwork. I went into a branch and completed the paperwork and it was sent by a bank employee to the claims department. Still did not hear anything for a week so I called the claims department and they again told me they did not receive the paperwork. I went back to the branch again and the same employee sent the paperwork in and confirmed they received it. Now another week has gone by and I received a letter in mail today that they denied the claim again and state they do not have my paperwork and need proof of cancellation. What proof would I be able to provide when there is no contract? They have the dispute forms that have been sent XXXX times. I have asked my bank also to provide me with signed credit card slips as required by law and they tell me they do not have to follow that law. They told me I needed to provide them with the signed cancellation forms again and then they hung up on me. They have been very unprofessional with this and it seems they do not care. 
The charges are as follows XXXX XXXX XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, and XXXX {$130.00} XXXX *this charge was after my initial complaint and they allowed it to be charged )

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 2023-05-12
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2020-05-29
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: Account status incorrect

Complaint:
This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2020-05-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX XXXX {$1100.00}

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 2023-02-08
Company: EQUIFAX, INC.
State: NY
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with a company by the name of XXXX XXXX, in XXXX, California. 
Their shady and legal business practices include but are not limited to, calling references and revealing what the nature of their call is, calling work place multiple times, etc. 

I included this loan in my Federal Bankruptcy, that was charged off fall of last year. 
This file and loan was to be reported to {$0.00}, which it eventually was. 
They edited my file this week to show the account is open and listed payments deferred due to natural disaster-COVID19. I called and informed them legally this cant happen, the loan was discharged about inquired why theyre fixing their books to show more loans than they have to qualify for covid assistance from the government and I was told to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX  XXXX {$1100.00}

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 2023-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was the victim of a scam, I was buying a boxer puppy from who I thought was a breeder out of North Carolina. We exchanged multiple emails and a contract. I thought it was legitimate. They asked for payment through XXXX, which is available through my PNC Bank app, leading me to believe I would be safe. I transfered {$650.00} to said breeder and within 12 hours realized it was a scam, no puppy, not even a breeder. I immediately called PNC Bank 800 # for customer service, told them it was a scam and I want my money back. I was told they couldn't do anything while the transfer was still pending, I was instructed to wait until it posted and then they could file a dispute. I called back at XXXX the next morning and filed my dispute. I received a letter today saying the transfer was valid and processed correctly. They won't do anything. I am furious that I am supposed to be able to trust my bank and I am getting zero assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX XXXX XXXXXXXX XXXX updated the payment history on this charged off/PAID account. They updated the payment history to this account that was closed and PAID in XX/XX/XXXX. Also, all of the payment history from XXXX, XXXX, XXXX, and was removed from this account. They reaged the account which dropped my credit score XXXX points on Equifax. This is the SECOND time this has happened with one of their accounts on my report which is ridiculous. This company is not reporting accurate information for this old closed PAID charge off debt that is severely hurting my credit report. According to the FCDPA they are in violation for not properly reporting the correct information nor have they provided documentation of the alleged missed payments on the closed account the information should have not been updated because there was no request to add missed payments or removed positive payment history. 

This account needs to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: PR
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:
In my last request to EXPERIAN to verify the two accounts listed on my credit report XXXX and XXXX XXXX they came back with the report # XXXX, in that report indicate that the information have obtained through a third party XXXX XXXX XXXX XXXX .I contacted XXXX and they effectively removed the two accounts from my records ( see attached letter ).  The information that Experian is reporting in my credit reports about XXXX and XXXX is inaccurate! That false information is affecting my credit report.

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 2023-01-30
Company: EQUIFAX, INC.
State: DC
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 discovered that the same accounts on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be reinvestigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation