BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent several letters to XXXX XXXX XXXX to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.

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 2021-09-04
Company: EQUIFAX, INC.
State: PA
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:
I paid off my charge off and I disputed the information but It was not updated so there was no investigation done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I've recently reached out to XXXX, XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of 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 2018-04-07
Company: Mercadolar, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
MercaDolar Inc. is a company that connects individuals who are buying and selling American dollars and XXXX bolivars, to allow currency exchange among individuals in US and XXXX. MercaDolar Inc. works as the intermediary that holds the dollars while the buyer deposits the amount required in a XXXX bank account. There is a clearance process, that once approved, MercaDolar has 1 business day to release the dollars to the person who bought them via ACH. 
On XX/XX/XXXX I put an order through MercaDolar to buy {$100.00} ( MercaDolar will take 4 % from this amount as service fee- so the net amount is {$96.00} ) at the exchange rate of XXXX bolivars/USD. I deposited the money in the Venezuelan bank account as required, and the seller confirmed the reception of the funds on XX/XX/XXXX. On XX/XX/XXXX, I got a notification from MercaDolar saying that since the seller confirmed the reception of the funds, they will proceed to transfer my USD in 1 business day. 
On XX/XX/XXXX I contacted MercaDolar asking about the status of my transfer. They answered that their " agents '' were processing it and that my money should be available the next day. It did not happen. They asked me to confirm if I received the funds on the XXXX. I contacted them again, and told them that funds were not available yet. They responded that by their records, money should be available on XX/XX/XXXX. Again, it was not available on XX/XX/XXXX. I asked to solve this situation immediately since this situation was a week overdue and they responded that they will check with their agents. After this last email, I asked to give me a final answer by yesterday ; otherwise, I would need to start a dispute because I was feeling that they were not responding to my claim. 
In the meantime, I called their customer service number all week long to see if I could talk to them on the phone, they never answered, and their customer service via e-mailed stopped updating me on the status of my issue. Also, even when they replied via email, their response was generic and delayed. 

I am looking for help to solve this issue since my money is at risk, and I consider that the are not responding to me. I do not trust the business anymore, and I am not sure if this is a scam or what else could be going on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone has changed the password and then the administrator settings in all of my cash app and robinhood accounts. They have ordered debit cards in both accounts. I received 2 cards at my residence which alerted me to the fact that they are compromised. When I try to contact support at either of the companies Im treated like the hacker. Not only that but Im receiving XXXX  XXXX XXXX account alerts and XXXX accounts alerts for deposit and account balances. I do not have accounts with anyone except XXXX XXXX XXXX XXXX XXXX. I also cant get into anything online anymore. I have had 3 phone insurance packages sent to my home for lines and numbers that I dont own. Ive changed cell phone service twice and now have a line on plan through my mother. Ive been trying to get this reported for months and havent had any luck going through the Internet. Tried to report to the local police. They think Im XXXX XXXX. Not the case. I need to provide my evidence to a person. Also I have screen shots of the embedded script in the previous phone to which they are using as a method of discovery to see my personal information. In action To the irs sending letters stating my identity is compromised and needs to be proven

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: MI
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:
Inquiry from XXXX XXXX XXXX on XX/XX/2018. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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:
On XX/XX/XXXX, I sent your company a certified letter, disputing two ( 2 ) credit inquires on my credit report. 

1. XXXX 2. XXXX XXXX This is a breach of Fair Credit Reporting Act, Section 1681B ( C ). I remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked credit and found debt I didn't accrue.

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 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I reached out to Transunion Credit Consumer Solutions on XX/XX/2021, to advise them that they are reporting my mortgage company ( XXXX XXXX ) inaccurately. I mailed them supporting documents to back up my claim. XXXX XXXX has also reached out to Transunion to confirm and back up my claim. TransUnion is refusing to update my credit report to reflect that I have a tradeline with XXXX XXXX in good standing and never late.

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 2020-05-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I PAID MY CAR OFF XX/XX/2021 and RECEIVED A PAYOFF LETTER FROM CAPITAL ONE FINANCIAL, MY BANK GAVE ME MY XXXX  PAYMENT BACK BECAUSE CAPITAL ACKNOWLEDGED THAT THEY HAD BEEN PAID TWICE AND NOW THEY HAVE THE NERVES TO PUT IT ON MY CREDIT, I HAVE PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was asked by chase over the phone if I did transactions on my credit card I went through them and i didnt do any of them for a old credit card i didnt use and I told them I disputed when they called and they still have not taken the disputed amount of XXXX off with them that i disputed that day when chase called me.these transactions where done in a different country I wasnt in and IP address they said. I didnt use that IP address not from my internet provider

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX  is trying to collect a debt that belongs to XXXX XXXX XXXX which I signed as a company officer and XXXX when out of business, I call XXXX   and was told that they wrote it off as a lost and they are no longer trying collect but can not supply me anything in writting because the debt is to old and they can not open it on their computer. 
When I CALL XXXX I was told that they don't have that account anymore and was supply with a attorney phone number XXXX account number XXXX. I ask XXXX to removed it my fro my credit report since they don't have the account anymore and was told to call the attorney supply above. 
When I call the attorneys office all they had was last four of my social and amount owned they where waiting for XXXX for more info from, Now that raised my eye brow. 
Now I have a different collection agency calling about the same XXXX account. 
ERC is the collection agency I pick up the phone and call XXXX XXXX they don't know anything about the attorney or the agency ERC. 
After three hours on the phone all I did was waste my time and can not get a stray answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I refinanced with a new company and they funded on XX/XX/21. I tracked the payoff funds and confirmed they were received. Ive been trying to get them to update my account to paid and close it since I now have a new lender. They wont apply the funds and instead are holding them and trying to continue to collect monthly payments stating they will pay me back the over payments once they decide to apply the payoff funds they received. I read other people having the same issue and then struggling with getting their over payment funds back from this company. They need to be held accountable for scamming people, I want them to credit my account with the payoff funds they received and transfer my account to my new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I opened a bank account with Chase Bank online. 

Once they authorized the account I had my direct deposit information sent to them and on XX/XX/XXXX, when my direct deposit was received, I went to check my account. 

At that point I was informed that my account has been suspended. I was then told that to gain access to my funds, I needed to go to a branch with various forms of ID. When I explained the difficulties of making it to a branch ( I live in a small town with no public transportation to any of their branches ) I was asked why I even started an online account with them in the first place. 

I've now been locked out of my account and my paycheck for 9 days and considering that it's a the day banking holiday, I'm now supposed to wait for a check that'll arrive at some point. 

I don't know how it's legal for a company to accept a person 's money and then deny them access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Experian is report a miss payment from XXXX XXXX my Auto loan. I have documents for XXXX XXXX stating I was never late on XX/XX/2020 2020

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 2020-06-26
Company: S&N Debt Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There was no box to check for this debt settlement company. Having combined two credit cards my enrolled balance was {$22000.00} to pay off over 36 months back in XX/XX/2019. Usually these companies tell you that you will pay around 50-60 % of the balance. However, after the last card settled, in total I would be paying out {$21000.00} a whopping savings of 1.4 %. Based on their calculator on their website, they show bogus savings amounts. I asked them to lower my next 17 payments but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am on XXXX XXXX. On XXXX XXXX XXXX Capital One assessed an annual fee totaling {$390.00} against me. I requested the annual fee be waived and was denied. I assert the interest rate plus this fee violates the Military Lending Act for XXXX XXXX service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: MO
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:
Inquiries not initiated by me XX/XX/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
Consumer complaint received 2021-09-04
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I gave them the bankruptcy case number and requested that they Cease and Desist all further contact with me and reach out to my attorney. They are still calling me and attempting to collect a debt that is included in a chapter XXXX bankruptcy, case number XXXX. My attorney is XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capitol One Credit Card keeps hard checking my credit bureaus. 
They keep sending pre-approved offers. They keep denying to issue me a card. They used hard inquiry that lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: ERC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We began having difficulty paying our mortgage in late XXXX. In XX/XX/XXXX we paid roughly {$7000.00} to bring the account current. We paid the XX/XX/XXXX payment on time. However, we were impacted by COVID19 and both myself and my partner lost our jobs as a result of reduction in work force. We put our house on the market for sale, communicated with the mortage company, and PNC Bank agreed to issue a deferement of the mortgage until XX/XX/XXXX due to COVID19 and the Cares Act. In XX/XX/XXXX we received notice from PNC Bank offering to extend through XX/XX/XXXX. We were finally able to sale and close on the home XX/XX/XXXX. Upon checking my credit file, it was discovered they reported me past due 120 days for XXXX and XX/XX/XXXX. This was during the time we had agreed to extension for COVID19/Cares Act. I am requesting XXXX and XXXX of XXXX rating of 120 days past due be removed. We communicated with PNC Bank throughout our process and they were aware of our cirsumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
On XX/XX/XXXX I made a charge on my XXXX credit card. I never received a bill until XX/XX/XXXX because they changed to paperless billing. I was alerted by XXXX  because our credit rating went down. We paid {$110.00} balance off immediately and closed the account. Unfortunately it has been listed as a 90 day over due and delinquent which caused our rating to go from XXXX to XXXX. We appealed to XXXX, XXXX  and XXXX and they continue to deny our appeal to remove the delinquency. I have had this card for 26 years and always always paid on time. Please resolve 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 2018-06-06
Company: ENCORE CAPITAL GROUP INC.
State: MN
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:
XXXX XXXX XXXX opened a credit card to a person who stole my identity to do so. With the help of my bank XXXX/XXXX we contacted XXXX and they refused to take any action and referred me to XXXX XXXX XXXX who they sold the debt to. After contacting XXXX XXXX XXXX with a police report, and the results of disputes from XXXX and XXXX showing this account was fraudulently opened in my name, they still refuse to discharge this fraudulent and remove it from my credit report. I need assistance in having this fraudulent debt discharged and removed from my credit report. 

I have included the police report and report from XXXX. I am still awaiting paper copies of a dispute from XXXX, which result shows this account was fraudulent and they have deleted parts from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to connect my checking account to my XXXX  account for automatic deposits and withdrawals etc and it uses plaid ( PLAID ) to authorize my bank and it says that PNC stops it and I have had this happen numerous times I would like that fixed so I can have my bank account linked to other accounts as I want.

Company response to consumer: Closed with explanation