BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had service with XXXX XXXX a few years ago. We decided to go with another compan XXXX XXXX which is now spectrum. Myself and My adult daughter took all the equipment to the store at Located in : XXXX Mall Address : XXXX XXXX XXXX, XXXX, OH XXXX Which has now since closed. All the equipment was returned as it was not longer needed. Now something shows up on my credit report almost 4 years later stating I owe this. I do not owe this, all items were turned in. I did a dispute with the credit reporting agency and it came back the company stated I owed this debt. I have contacted XXXX XXXX directly and of course no one can help me. The store is now closed, but this is not a valid collection. I returned everything to the store directly with a witness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: IN
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 called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo turned down my loan application due to " accepting Covid-19 relieft '' which I did NOT accept or request, nor did I use. Previously I had a near impossible time getting a return phone call from my mortgage representative. Once I finally reached her supervisor, I wasn't given the same reason for my denial. Now it was they don't offer the type credit I requested. Which is 100 % isn't true. I'm fairly confident that my persistent follow up and their lack of communication resulted in them not wanting to do business with myself, but that lacks a business reason and I feel I wasn't given proper or fair consideration.

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 2020-05-10
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bull City Financial is trying to collect a debt in the amount of {$110.00} from XXXX XXXX. This account was paid in an insurance settlement with XXXX XXXX. I have contacted XXXX XXXX and Bull City Financial to have this account removed from my credit. Despite multiple attempts, this account remains on my two of my three credit reports. The account was removed from one of my credit reports when I initially disputed the account on all three credit bureaus, and was reported as " verified and accurate '' on the other two. I have provided documentation from Progressive insurance to both XXXX XXXX  and Bull City Financial detailing when the check was sent to XXXX XXXX and the date it was cashed by XXXX XXXX. I would be happy to upload that document here as well. I am trying to buy a house and this collection account is severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit of a check that I received for contract work that I had done into my Chase checking account which I have had for 10 years. I do not normally deposit checks for this amount and so Chase Bank decided that the check deposited was not intended for me and therefore froze all funds in my account. I learned of this when trying to use my debit card and when I ask if I could please have access to the funds in the account prior to the deposit, they replied no. They cancelled my debit card, they said they would hold all direct deposits including my social security check, would not honor any automatic withdraws from the account and I could not have any of the money in the account. After a second call to Chase Bank they agreed to accept the check deposit in question when they could contact the signer of the check to verify that the check payment was intended for me. My compliant is that I didn't have access to any of the funds not associated with the deposit in question while they verified the check paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I disputed the debt XX/XX/2023 according to the CFPB regulations on medical debt paid or unpaid under {$500.00}. It was validated and updated but was not removed. I placed a phone call to Franklin Services at XXXX and spoke with XXXX XXXX in attempts to notify and remove the account. I was placed on a hold and at some point the call dropped. I made numerous attempts the same day to speak with a person and have not been able to. I made XXXX aware of the new CFPB regulations to which he replied we can add the accounts together to get past that before placing me on the hold that eventually would end the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: KY
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:
Well for some reason Equifax is reporting wrong information on my credit file. I noticed in XX/XX/XXXX of this year that Equifax had me down for a balance of {$1300.00} for my XXXX XXXX/XXXX credit card account and I noticed they had my last payment as of XX/XX/2019. My balance is XXXX since XX/XX/XXXX and my last payment was on XX/XX/2019 in the amount of {$590.00}. I have file multiple disputes with Equifax and they tell me they are just reporting what the creditor is giving them. I contacted the creditor and they assured me that they are sending the right information and that I have a XXXX balance and they dont know why Equifax is reporting me with a balance. I also checked with another bureau XXXX and they have everything exactly right I just dont understand why Equifax is always reporting the wrong information and makes me believe something is going on. One of the disputes with Equifax stated that they remove it from my credit report and it was still there I contacted Equifax and said, yall said, that you removed it but do you see that it is still there and the agent said, yes she doesnt understand why and all I can do is file another dispute. This has been going on for three months and I am just tired of trying to fix this problem and every time I call Im talking to non-English speaking people which makes it even difficult. I also sent them my statements which has all the correct information on it. This has hurt my credit ever since XX/XX/XXXX. I really believe there is a problem going on at Equifax. I know no other way to fix this problem this was my last resource the only other thing I know to do is contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While reviewing my credit, there was a notification of a new account in collections. The account indicates that I owe {$260.00} and was opened on XX/XX/2018. To date, I have not received any kind of written notices indicating I owe said amount, furthermore, I have never been to a clinic named XXXX XXXX XXXX. 

No attempts to contact regarding this account have been made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One marked by account as 'restricted ', I can no longer make purchases or access my {$1600.00} in cash back. I have spoken with them numerous times over the last 3 months and provided countless requested documents. Every time I submit the requested documents they come up with something else that they need or state that a document I sent in previously is now expired. I have gone as far as getting a new social security card because they stated the 'wording ' on my original one ( from XX/XX/XXXX ) was wrong! The last time I spoke with their customer service they stated that I can close my card at any time almost as if that's what they wanted me to do. I have a {$25000.00} limit on this card with a low interest rate and good cash back program so this is the last thing I want. The cash back amount I have received the last few years is 3-4 times the amount in interest that I have paid which leads me to believe that they're simply doing this because I am not a 'profitable ' customer to them. During this whole process I am unable to use my card or redeem my cash back while they collect interest on roughly {$6000.00}. Since XX/XX/XXXX I have only made the minimum payment due. I will not pay this amount off in full until they at least release the cash back earned so that I can apply it to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back at the beginning of XXXX received an escrow letter letting me know I had a shortage of {$1300.00}. I called Wells fargo advising I would be paying {$1000.00} towards the account but needed to know if paying the amount in XXXX would be an issue. I was told that was acceptable and I asked for a new analysis. I was advised a different department had to do that so I sent an email requesting this. Next thing I know I am getting multiple letters about COVID relief which I did not request. I was unable to make any payments online as they shut my account off. I called multiple times to get this fixed and emailed multiple times to no avail. I called to make the {$1000.00} payment and also verified they had received new insurance documents showing a decrease of {$220.00}. This should have left a balance of {$88.00} which I would have paid in full. I kept receiving COVID information versus my escrow. I then complained on their XXXX and they got a manager involved. At this time period I actually did catch Covid and asked they conduct all manners of business via email as I could barely talk. They wouldn't do this. So today I receive another letter from them still with the wrong billed amount and an email that to fix it I have to call in ... ... ... ... again. This is about my 15th call to Wells Fargo and countless emails. Ridiculous and it's unacceptable

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 2019-07-12
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My husband XXXX XXXX  received a loan from Harbor Financial in XX/XX/XXXX. He had just got released from XXXX. He had been XXXX from XX/XX/XXXX until XX/XX/XXXX. He was paying on the loan and he stopped when he stopped working odd jobs because of his heart. XXXX XXXX who is the manager at Harbor Financial told Mr XXXX that he could just start bringing any amount on the payment and she would put it in an 
envelop until a full payment is reached. When he informed her that he had some money to bring she told him that she could not except the partial payment she had to have the whole payment. So after that, she started callling my cellphone from her cell phone and texting me about the payment. She had one of her workers call named XXXX trying to find out my job and said they were going to garnish my wages.  I did not sign for the loan nor have any thing to do with the loan. I am tired of her calling my cellphone from her personal phone and texting me about the loan that he should not have received because he had just gotten out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My student loans are serviced through XXXX XXXX. I needed to recalculate my Income Based Repayment amount because I changed jobs, and I now make significantly less than I was making before. I applied online to have my payments recalculated on XX/XX/2018. I needed to mail a copy of my paystub as supporting documentation, which I mailed on XX/XX/2018. I called XXXX XXXX on XX/XX/2018 to inquire about the status of my request, and I spoke with XXXX ( employee id XXXX ). He informed me that my application was considered complete on XX/XX/XXXX because XXXX XXXX received my supporting documentation. However, on XX/XX/XXXX XXXX  XXXX  issued my bill for XXXX, which is due on XX/XX/XXXX and is for the higher amount based on my previous salary. I asked him why that bill was issued even though my application was complete beforehand, but he responded that it takes 2 to 3 weeks to process the application. I then spoke with XXXX ( employee id XXXX ) and another employee named XXXX ( employee id XXXX ) who confirmed that it takes 7 to 10 business days to process an application to recalculate IBR payments, and bills are issued 20 days before they are due. Therefore, it is IMPOSSIBLE to apply for a recalculation in IBR payments without also entering into at least a one month forbearance, and likely two months will be needed. During this time, interest continues to accrue and is capitalized. In other words, XXXX  XXXX is extorting students with accrued interest as a penalty for its delays in processing an application for IBR. This can not be supported by the regulation. If any forbearance is needed for XXXX XXXX to process an application, the forbearance should be interest-free because the delay is due solely to XXXX  XXXX XXXX own inability to process applications in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: LA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 Company Inquiries : 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
Consumer complaint received 2020-06-26
Company: Square Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My complaint is with Cash App, they are holding my funds for my protection after I have identified all the specifics of my identity. 
I transferred from my bank to Cash App, the moment I tried sending money to a relative it froze my account. 
I transferred from bank to Cash App {$7400.00} on XX/XX/2020 at times XXXX, XXXX, XXXX they were rejected I tried transferring XXXX at one time it canceled the next two times I tried XXXX it also rejected. 
Just me $ XXXX and the other party named XXXX were involved. 
The company the complaint is about is Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX does not have a surety bond to collect in state of XXXX. They are calling and harassing me in regards to a Debt that is fraudulent and I do not have any knowledge of. I have filed complaints via email with the CEO XXXX XXXX of Experian. I submitted my fraud affidavit as well in the email, but I have yet to receive a response. I also filed complaints with the attorney 's general office of XXXX and XXXX. I have also filed complaints with the XXXX financial regulatory in regards to this matter. Experian and XXXX XXXX XXXX is in violation of the FDCPA laws and also section 605b. I have hired a consumer attorney and I have kept records of all of the my complaints that have been made.

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 2019-07-12
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I requested to change my bank account XX/XX/XXXX ( XXXX XXXX ) from XXXX XXXX XXXXXXXX to XXXX XXXX XXXX, however the company never changed the account even though I got approval more than 5 business days before my payment date. They continued to pull which caused me {$70.00} in fees that they refuse to credit back. After emailing them and asking them to fix this, they closed my account, won't let me log in to make payments, and will not return calls trying to fix this. Then they reported to my credit report that I'm 60 days late and won't take payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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:
I have been a victim of identity theft.

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 2020-06-26
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an alert on my credit reports that I owe this company money and never done business with this company. 

XXXX XXXX No account information other then the name : Receivable Performance Account was open XX/XX/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 explanation