BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to XXXX in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with experian, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to XXXX chat feature where the XXXX rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that XXXX could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current. He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. BecAuse although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month if there is one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with Experian again and was denied. 

Again, I just want the correct month that was past due to be showing. Thank you!

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 2021-05-04
Company: Revolution Financial Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My sister made a transaction on XXXX of XXXX with Revolut service, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but Revolut canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them revolut statement, SSN number, but it wasn't enough for them and Revolut decided to lock my account and freeze all my funds due to suspicious activity. 
after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. 
I've done that as well. 
after 14 days no one called me either. 
I tried to contact Revolut online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: AR
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 checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XX/XX/2017. I have not heard back from either of them.

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 2018-04-24
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PLEASE HELP ... HOW CAN I FIX THIS PROBLEM. 
I have contacted the Credit Reporting agency EXPERIAN several times about a disputed account that is still showing on my credit report negatively. The account was disputed and removed in late XXXX from my credit report. However, as of XX/XX/XXXX the same account is showing up on my credit report again as a negative account. I have requested to have removed and since been told it is an " ACCURATE '' account. I have asked to have proof provided that can validate that this account is mine and they say they have no such proof. 
Experian has stated they do not require any company that has reported derogatory information for a consumer account to provide any proof of the fact that the information being reported is correct, true, or justified. They take the reporting company 's word for the information being provided and its up to ME as the consumer to figure out how to fix the problem. The consumer credit report impacts not only my ability to get or obtain financial credit but also affects my lively hood in reference to obtaining a job, an apartment, car insurance, and even health insurance. Since EXPERIAN and other credit bureaus are reporting false and inaccurate information to my consumers credit file are they not held responsible to verify its accuracy and content. I have tried several ways to correct this information and dispute via online, email, fax, phone call to customer service and each time I get no resolution and the same in accurate information is being reported. HOW CAN I FIX THIS PROBLEM.

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 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XX/XX/2016 This account is showing up negative on my XXXX report. Please make them verify whatever they are reported on my account. 

XXXX XXXX XXXX XX/XX/2016 XXXX XXXX  XXXX XX/XX/2016 XXXX XXXX XXXX XXXXXXXX XX/XX/2016 This is a charged off account. Why is it on my credit report. I need proof of the original contract if they think it is my account. 

XXXX XXXX  XXXX XX/XX/2016 This is a charged off account. Why is it on my credit report. I need proof of the original contract if they think it is my account.

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 2018-07-16
Company: EOS Holdings, Inc.
State: MD
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 disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$360.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, not a word from this company, they failed to provide me any viable evidence or documentation bearing my signature that I have a contract with them. See attachments of proof of my one-sided interaction with this company. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, still no response. This inaccurate information is still reflecting on my XXXX and XXXX credit report. Haven't gotten a phone call or a letter of any kind from this company acknowledging that they've received my complaint letters. This is illegal and unethical on their part. They're in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: JPMORGAN CHASE & CO.
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
During XXXX of 2020 XXXX  delivered two unauthorized boxes to my home from Amazon. I did not order or request these two packages. They are still sitting in my garage unopened. I immediately called Amazon to inquire about these packages. All they told me was that they would investigate the case. They put charges totaling around {$250.00} on my amazon credit card. I called the Fraud Department at Amazon  back in XXXX of 2020 to report and dispute this scam. Amazon  removed these charges back in XXXX and XXXX to resolve the issue. They closed that specific credit and they wanted to send me a new card. I TOLD THEM TO NEVER SEND ME ANOTHER CARD FROM AMAZON. I DO NOT DO BUSINESS WITH CREDIT CARD COMPANIES WHO ENGAGE IN DECEPTIVE BUSINESS PRACTICES. During this same time period Chase credit card put an erroneous {$100.00} charge on my account for some unknown transaction. Keep in mind that I have had these cards for over 30 years and I have never experienced this kind of dishonest activity. Anyway, the Fraud department removed this fraudulent charge of {$100.00} from the Chase card. AGAIN, I TOLD THEM TO CLOSE BOTH ACOOUNTS AND TO NEVER SEND ME ANOTHER CREDIT CARD FROM AMAZON OR CHASE. I cut up and threw both cards in the trash as I was finished with them and this issue had been resolved. Here it is four months later, and Amazon/Chase has rebilled me for {$100.00}. When I called the Fraud Department about this, I spoke to a XXXXXXXX XXXX. All she did was talk over me and refuse to listen. She did not listen to me and she ended up hanging up on me. I have an excellent credit rating and I do not want to ruin my credit. The bill is due XX/XX/XXXX and I definitely do not plan to pay it as I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have incorrect hard pull on my credit report from XXXX. 


XXXX XXXX pulled on XX/XX/XXXX XXXX XXXX  pulled on XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on all 3 of my credit bureau, that needs to be removed. I have called for help and have not received the help that I need for this to be remove from my credit with all false information. this account Is not mines and need to be remove from XXXX, XXXX, equifax .how can a close account report negative information. 

I hep moving these incorrectly information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I went to TD Bank to withdraw some money from the ATM. In this TD bank there was an intake vent in between both of the ATM 's which conveniently had 3 very large unprotected holes that were constantly sucking up air. I took out my money from the ATM and by accident dropped money as i was trying to put it in my wallet. The money fell and immediately was sucked up by the vent. Now the vent had a door above it so i went to the teller and told them about the situation. The teller then introduced me to the assistant manager, which sat me down and said " look we know about this issue and have had incidents like this before but the vent leads down to the sewer system so its out of my control and I cant do anything for you ''. I proceded to tell him about the door and he said that they could not open it. I asked why there is No mesh or protective barier put on the vent to stop this from happening and he just repeated that there was nothing they could do and its out of their hands. They actively kbow about this serious issue yet are negligent and people like me are loosing money because they dont want to do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is a copy of an email I received. I do not have a SQUARE Account! 
XXXX {$640.00} withdrawal from your bank account XXXX - XXXX  XXXX XXXX XXXX  XXXX  / XXXX Square. com/Support XXXX Thu, XX/XX/XXXX XXXX XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
{$XXXX} withdrawal from your bank account Hello, Were reaching out to let you know that your bank account will be debited the amount of {$XXXX}. However, the customer has disputed this charge. Kindly cancel the transaction if you are not aware of this deduction, View Dashboard for more Information VIEW DASHBOARD The funds will be withdrawn within one to two business days.

SUPPORT CENTER Visit the Support Center for more information on Squares deposit schedule.

Thanks, The Square Team Receiving too many emails?

You can view all of your day 's activity on your Daily Summary Email.

Turn off Per Transaction emails now.

2021 SQUARE, INC. ALL RIGHTS RESERVED. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX UNSUBSCRIBE FROM THESE EMAILS Reply, Reply All or Forward

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: PNC Bank N.A.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While I was waiting on the decision on whether or not I would be granted an extension on a forbearance, the bank filed a case against me. A court case was filed against me dated XX/XX/2018. I received a letter dated for XX/XX/2018 explaining that they will not grant me an extension. While applying for help through the Hardest Hit Fund, a housing counselor told me that, by the bank filing against me while I was still in loss mitigation awaiting the bank 's decision on the extension, the bank was doing what is called " dual tracking, '' which I was told was illegal. It was then suggested that I file a complaint with your organization. I have a settlement conference by phone scheduled for XX/XX/2018. On XX/XX/2018, I filed for a continuance with the courts at the advice of the counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
Back in XX/XX/2020 i had XXXX XXXX i called and requested Deferred payment but unfortunately call was directed to XXXX and spoke to a representative but unfortunately the request was never put through and when i came out the hospital after month and half, i found out i had late payments on my credit history i tried reaching citi bank send they letter expelling my situation did receive any correspondence from them called them again today but didn't get any help.these late payments are effecting my life i am getting hard time from XXXX because these late payments.

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 2018-04-24
Company: Paramount GR Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we sent an insurance check of {$5500.00} to XXXX XXXX. According to their company policy for checks under {$10000.00}, they are to endorse and return within 5 days after receipt. They received the check on XX/XX/XXXX. I received a phone call today asking the loan number that this check applies to. However, this loan number is written on the face of the check. The representative said that management is confused and will not release the check. 

Previously for a separate insurance claim, XXXX XXXX did the same thing of sitting on checks and refusing to release the funds. This previous issue extended over a period of 3 months, wherein they refused to release over {$70000.00}. It wasn't until I processed a complaint that they released the funds. For this reason, I am filing a complaint now so that Paramount doesn't have a chance to draw this out for 3 months as they did before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, XXXX  and experian are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX  XXXX  XXXX  XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : Experian- XXXX XXXX XXXX Operation supervisor XXXX XXXX Vice President and associate General Counsel XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX  XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX  XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by phone on XX/XX/2018 to collect a supposed debt. When I began asking questions regarding what their company name and mailing address was to send them a letter requesting verification of the debt and requesting them to stop contacting me, they would hang up the phone. I had to call them four more times before I spoke to someone named XXXX who gave me the company name XXXX XXXX and a P.O. Box address. When I asked if this was the appropriate address to send mail and if not could I have that address I was transferred to a " manager '' named XXXX XXXX. who explained that they were collecting on behalf of XXXX XXXX and that their company name was Unifin. When I asked if the P.O. box address would go to XXXX or Unifin and who I should address the collector XXXX XXXX. could not provide a straight answer. The company said that they have sent multiple communications by mail, but I have not received any letters or any way to contact the company by mail, or phone except when they call and then hang up when I ask questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/2018 I submitted a written request for Navy Federal Credit Union to remove negative information from my credit report. Navy Federal Credit Union agreed to remove this information in a contract with me on XX/XX/2018. Failure to honor this contract is considered wire fraud and breech of contract. 

It is now XX/XX/2018 and Navy Federal Credit Union has failed to respond to my request. Accordingly they are now in violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies by failing to provide notice within the time identified in the statute as described in section 603 ( p ). 

I respectfully request the CFPB to intervene and facilitate this complaint with an acceptable outcome outside of the court process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: MS
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 got a notice from my report that they had closed my account ( XXXX XXXX XXXX XXXX XXXX ) on the  XX/XX/XXXX without my consent.I had this account for awhile and i would like for it to be open again cause its affecting my credit score

Company response to consumer: Closed with non-monetary relief