BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello, Sir or Madam! 
Thank you so much for your time and kind consideration!! My friend, XXXX XXXX used the service of ZELLE to transfer the money to me, XXXX XXXX on XX/XX/XXXX. XXXX XXXX 's bank is XXXX. My bank is XXXX XXXX XXXX. I did not register my phone number with Zelle, only my email address. XXXX confirmation number is XXXX for {$1.00} and XXXX for {$1400.00}. I have contacted both bank and filed a dispute with XXXX, but XXXX is unable to help XXXX XXXX and my bank, XXXX  XXXX XXXX is stating that they never received the transfer. I have contacted ZELLE and ZELLE is asking me to contact the bank. No one is willing to take responsibility for the transfer. ZELLE should have return the money within 14 days if the number is unfound or unregister, but my friend never receive back his {$1500.00}. Please provide me the best option in order to obtain my money back of {$1500.00}. Please also let me know if I am able to provide you with any additional information. I am truly very appreciative for your time and kindness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: EQUIFAX, INC.
State: TN
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 complaint is in reference to Equifax, XXXX and XXXX XXXX. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A complaint was previously filed against Transunion and the complaint number asigned was XXXX on XX/XX/XXXX Transunion responded to the complaint. Attached is the copy of the response under loaded documents. 

More than 30 days have passed and they did not respond to me as they mentioned. I checked my transunion report online and I still see the two accounts in question still reported. Transunion. 

My question is, if Transunion is reporting two accounts, under those accounts, they provide and address so That I as a consumer can write directly to the companies reporting incorrect information. And the Unites States Postal Service keeps returning to me the letters sent to the companies with a label affixed to the envelope that says " Undeliverable as addressed or Unable to forward. And I send a copy of that envelope to Transunion, and they keep giving me the same response, that they will investigate, yet when they investigate, they reply, " Account verified ''. Is it not Transunion 's obligation to either provide me with a correct address for the company they keep verifying or with all the proof I keep sending them that the letters are being returned, the right way to fix this is to delete those two accounts that obviously I am not able to get a hold of by mail.

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 2021-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are 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 non-monetary relief
Consumer complaint received 2018-01-24
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is still reporting a collection account to my credit report. We had an oral agreement this account would be removed when the account was paid ( they called it a pay for delete ) but I just checked my credit yesterday & see it 's still being reported. This account is damaging my credit & impacting my ability to get a loan. I 'd like them to remove the account per our agreement. Please help me get this rectified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have negative reporting by Bank of America which should have been removed during the loan modification because of the court findings. These negative marks date back to 2013 and proceed for approx. 4 more years. I contacted the mortgage department about the situation  and they stated that they were going to look into the situation. I offered to send them a current credit report from all three reporting agencies as supporting evidence and they refused the information. I currently have not heard back from the company for the results or any needed follow-on action or any other information at this time.

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 2019-07-11
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off Subsidized Loan XX/XX/102019, Now their is a balance of XXXX their but the payment I made was to pay it off I have called 3 times why is this amount their when I made a pay off on this account they will check into it. again I called they will put in top priority and call me on the XX/XX/XXXXthis month. Iam paying interest on this now when it should have been paid off already this is not fair to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions 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:
XXXX breach has cause my experian and XXXX to be inaccurate information sent police report and idtheft gov trying to get my life back in order one day at a time spent countless hours working on my credit cra violation of inaccurate information on 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 non-monetary relief
Consumer complaint received 2017-10-03
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: Account information incorrect

Complaint:
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as XXXX in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX does not have proper communication skills with their entire company. 
I was recently involved with a payment arrangement with them. After having the arrangement set up and making payments on the account I received court documents to comply with the company. I called and talked with someone about this and was told that it wouldnt be happening again. 
Not even two weeks later there are court papers that were tapped to my front door. These were not even served to me or anyone. These were placed on my home door. Along with that was my credit card statement and other personal information attached. This is extremely unprofessional and not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Responding to CFBB XXXX on XXXX TransUnion in part responded pending investigation which will be completed on/or before XXXX 21 days after the promised completion date the completion is still to be reported.

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 2018-01-24
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Frost- Arnett company Account number is XXXX master number is XXXX my balance is XXXX. 

I made arrangments with them to pay XXXX a month and i have been online for a while now on their website, however they made a change when i tried to pay them the XXXX i was paying, the website would only accept a higher amt like XXXX and i could n't pay that at the time, also i did send in my payment by mail for XXXX dollars. I think the broke FDCPA law because they asked for a higher amt to pay online and when i tried to pay the XXXX the website wouldn '' t accept it. ALso because ofthis it was placed on my credit report when i was making payments i dont't think that is right. I have made a agreement and it wasnt honored. that upset me as a consumer. I would like for this matter to be handled. I dont have a issue paying my debt just dont like the way the website forced another amt on me. and had to get a stamp and send a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Their investigation did not fix an error on your report

Complaint:
I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account with XXXX XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XXXX of 2018 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 they email me stating my debit card was suspended. I call them an asked them why and all they state was PNC decided not to do business with me. I asked them when will I received the remain balance of the a direct deposited that was received in my account on XX/XX/2020. I have called them several times and no one can give me an answer on when I will get my money. I also went to a PNC branch where I spoke with a young man and he called the number that a XXXX XXXX gave me which is XXXX with a ref # XXXX and who ever this person spoke with told him. I would get my money sent over night by XXXX XXXX over night. So I called again on XX/XX/XXXX and nobody can give me any answers regarding my money. So I supposed to wait until they decided when they want to give me my money back and loss my place of living and be living on the street and/or not have lights in my home because they decided to close my account the same day my payroll check got deposited. I need help I really need my money to pay my bills. The bank is call PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2019 XXXX payment made. Missing from account. Bank has not refunded {$2000.00} that was meant for loan care. The executive resolution department XXXX and XXXX were very disrespectful and deceiving as the information given. XXXX stated money is no where that they can trace but, back office still needs to credit. I apparently need to watch my mouth when it comes to money because, money laundering is only an accusation. They dont know where the money is so ... how can that not be a true statement? An illegal activity money was taken and never returned by USAA with use of deceitful associates and accounting to continue to not know what happened and XXXX has it but, XXXX wouldnt charge an NSF on my USAA account thats how I know USAA has my money and using every tactic possible to steal 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 2021-07-20
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
My grandmother added me to her credit card. The card reports to XXXX  and XXXX, but not to XXXX. Can this be corrected?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: CCS Financial Services, 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 have no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AMERICAN HONDA FINANCE CORP
State: CA
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:
XXXX disputed a account through via XXXX and XXXX however I never reviewed or received any documentation from the agency with my signature. Nor did I give any permission to the credit bureau to talk to to anyone about this! So whom did they speak with during the investigation??? I am DEMANDING THAT THE ACCOUNT IS DELETED FROM MY REPORT. This is a violation of my SCRA rights. In addition to 15 US 1692d1, 15 US 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Duvera Billing Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Duvera Billing Services Is reporting a account on my all three of my credit reports which is XXXX, XXXX  and XXXX that dont belong to me. The account is showing a open status of XX/XX/XXXX and have a balance of {$1000.00}. I have reached out to this company XX/XX/XXXX and did not get any help to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They failed to validate and delete inaccurate information from my credit report after months of me Disputing the inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 made a payment of {$8600.00} on my Capital One Platinum Mastercard on XX/XX/XXXX. My card is setup for autopayment for the minimum payment due. I made two charges to the card for {$210.00} on XX/XX/XXXX and budgeted to pay it in full in my next billing cycle. Even though I made a payment earlier in the month, and the website stated no payment was due this month the autopayment withdrew {$170.00} on 2/23/2018. It is Capital One 's policy to automatically withdraw money even if you made a payment in the billing cycle if there is not a {$0.00} balance. This extra payment really messed up my already tight monthly budget. When I caught the extra payment the next day it was already withdrawn from my account. I called Capital One to ask for the extra payment to be put back into my account because I never intended to make it. They refused to refund the extra payment citing their policy. I ran  into the same double payment problem with my XXXX XXXX XXXX credit card this month, and they refunded the extra payment with no issues.

Company response to consumer: Closed with monetary relief