BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. I will pursue litigation and seek damages if this dipute is not administrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
In 2021, I received a physical advertisement from Venmo stating that I could open a business Venmo and on the card was the words " LLC. '' When I signed up I didn't see an LLC option, just partnership and corporation, and tech support said to just pick whatever and they would switch it to LLC after. 

I have followed up twice, last being today on XX/XX/2021, and I have been told that they still do not have the " LLC '' option and told me I should leave the account as a partnership even after I stated that this is a single proprietor LLC. 

Also, I tried to check this business account today and confirm my EIN was accurate for my LLC and they were unable to provide me with any means of seeing if I had an EIN on file and if it was correct. 

It is troubling for a financial service such as Venmo to engage in deceptive marketing and to not be able to manage a users account in accordance with their accurate business status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I tried to make a purchase on XX/XX/XXXX from a specific website. The website is XXXX based so my account was immediately blocked. The transaction timed out and did not go through from the website. I did n't receive a receipt or confirmation so I went online to my bank account to check and saw this : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/2016 PURCHASE XXXX XXXX {$88.00} The funds are in pending status. I called Wells Fargo Claims XX/XX/XXXX and spoke with a rep who said that there was nothing he can do about releasing the funds because it is under Pending status. He advised to call the company to have them release the transaction. 

I emailed customer service at the company and this is their response : Hi dear XXXX Thank you for contacting the XXXX. 

Unfortunatelly we do not find any information in our system with the email : XXXX. Can you please send us a proof of the payment? 

I am very happy to help! 

Kind regards, XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXXXXXX The company above does not have phone customer service. I provided the transaction details through copy and paste like the above to the company 's rep in response to them. Still waiting to hear back. 

I tried calling Wells Fargo Claims department directly since that time XX/XX/XXXX. 3 days has passed since I tried to make the transaction and I 've had to wait up to 20 mins or longer and have been unsuccessful with getting anyone on the phone. The Claims department at Wells Fargo is unwilling to release my funds back to my account and there is no way to reach them. I 've tried calling 4x now and each time waited 20+mins and no one answering. This is unacceptable service from a large bank.

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 2016-10-04
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Good afternoon, Continental Credit is currently reporting the collection of an account that I have no knowledge of. I have called and provided all of my personal information in an effort to understand why/how I 'm responsible to no avail. I am currently going through law enforcement background check and fear that this collection error will smear my character. I kindly ask that this matter is quickly addressed. 

thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: National Credit Adjusters, LLC
State: CA
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:
XXXX accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have filed disputes with Experian Credit Bureau, on XXXX XXXX and XXXX XXXX regarding late payments on a XXXX XXXX XXXX XXXX account ( XXXX ) opened in XXXX. Experian has updated the late payment from XXXX of XXXX to XXXX of XXXX. Experian has violated my rights, updating an account without providing any documentation. Please delete late payments on this 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 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Trans Union Issued a credit score of XXXX on XXXX XXXX, 2016. After I secured a vehicle loan and increased the line of credit on my federal credit union account of over 10 years, my credit score dropped to XXXX on XXXX XXXX, 2016. New accounts are suppose to affect the credit score about XXXX %. My score dropped over XXXX points. Also, inquires were made within 30 days to process this car loan but each inquiry was counted separately instead of as " XXXX '' inquiry by law. There was a number of inquiries that are inappropriate. I tried to resolve this with officials with Trans Union with no success or valid explanation.

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 2021-11-23
Company: TD BANK US HOLDING COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/XXXX at XXXX pm I received a text message from XXXX XXXX fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX PM Free Msg-XXXX XXXX XXXX Fraud Alert-Did You AttempXXXX To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or XXXX To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is XXXX XXXX customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX XXXX said he was calling with XXXX XXXX XXXX XXXX on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX PM TD Bank XXXX WON'T CALL for this XXXX code, Enter : 635606. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Send Money with XXXX message from TD Bank @ XXXX. XXXX XXXX sent you {$1000.00}. We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. Text Message I immediately called back XXXX XXXX at XXXX and filed XXXX fraud claims realizing I had been scammed. XXXX XXXX has since denied my claims. Since TD Bank was the receiving financial institution I have to file with them. However since I do not bank with TD bank they wont do anything for me. So this is my last attempt at fighting this. All my money is gone and Im broke. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: ORG GC GP Buyer, LLC
State: TX
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:
My family and I had a Family Plan with XXXX. In XXXX of 2016, my brother and sister called XXXX to terminate the plan and disconnect all phones including a home phone for all of my family members. After 20 plus years we moved to XXXX XXXX XXXX. XXXX terminated my dad 's and my brother 's account in XXXX but left the lines open for my sister and me. Again, we called and asked for the phones to be disconnected in XXXX. Their response was it will close out on XXXX XXXX without further charges. Finally, my sister 's phone was disconnected. My phone was not disconnected so I called in XXXX and they said that it would be disconnected on the XXXX. I paid the remaining balance and I was told that would be it. It did not end, I called back in XXXX and the charges kept piling up for a phone I had not used since XXXX 2016. On XXXX XXXX, I called and asked what is the remaining balance to clear our account? The XXXX representative told me the total was {$97.00}. I paid the {$97.00} and was assured the remaining balance was {$0.00} and that the phone would be disconnected on XXXX XXXX with no further charges.The plan for the last number was finally disconnected on XXXX XXXX. However, XXXX kept accumulating the charges. I called once again in XXXX and explained to the representative what had happened since XXXX and he told me you have to pay up which I did not. XXXX then sent the account which is under my brother 's name to a collecting agency. 

I must also inform you that on XXXX separate occasions the XXXX representative agreed that there was no phone usage and we would not be continued to be charged. She mentioned to me it 's a glitch in our system but it should be taken care of soon. Unfortunately, it was n't and the charges kept piling up. Now, they tell me the current balance is {$140.00}. 

I can no longer access the statements or usage from the Family Plan because my account is past due according to them. I have attached pertinent information that will provide evidence to my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I received a email that my XXXX password was changed I immediately called XXXX and the rep couldnt ver me I finally got through and was told my balance was XXXX and the funds were sent to cash app in my name I hardly use cash app the rep told me XXXX dollars was xfer from my savings to my checking and the perpetrator started to send money in increments to my cash app ranging from XXXX XXXX XXXX XXXX and XXXX hundred dollars the total they xfer was XXXX dollars I immediately log into cash app and was able to see the transaction but it was too late the perpetrator spent XXXX dollars from my cash card at XXXX XXXX dollars at a food mart and tried to use it for XXXX dollars at XXXX XXXX  but it was declined because we already meaning myself and XXXX XXXX rep already blocked the cash card through the app I have reached out to cash app several times there is no phone number which I find to be crazy where u can try and call you have to submit a request through app and wait on a email I have emailed sent message through the app like 5 or 6 times to only receive a email asking for the same info I already supplied I have attached screen shot proof of every transaction I have attached proof the transaction were done in Florida per their app I live in XXXX Arizona I have sent proof that I have filed a police report all they did was block my cash app card literally three days later on XX/XX/XXXX like I cant believe this you dont block it when literally 15 transaction came through on XX/XX/XXXX but you freeze the account when the consumer reports fraudulent activity but then cant even explain or communicate with the consumer on whats needed to be done to get their funds back please help me please that was my little savings I know its not a lot my I worked hard to save that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters 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. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXXXXXX XXXX XXXX {$720.00} XXXX   XXXX  XXXX {$110.00} XXXX  XXXX  XXXX {$590.00} XXXX   XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
The accoun manager at navient threaten to take away my car that is in my husbands name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with SYNCB/SAMS credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to XXXX credit for the XXXX time on XXXX XXXX, 2021 and they failed to correct the account after months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They also have sent me the exact same letter numerous times requesting the EXACT same information. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently and inaccurately and it is damaging my credit scores. Each credit bureau reports this account differently. I found the FCRA 's XXXX XXXX XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. SYNCB/SAMS credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the credit bureaus.

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 2016-09-05
Company: GUARANTEED RATE INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
1, On XXXX XXXX, 2016, I was denied application for a mortgage prequalification by GuaranteedRate.com. I am on XXXX and the agent said that I had to guarantee benefits would continue for three years, ( clearly a violation of the Fair Housing Act and the Equal Credit Opportunity Act ), though I did not know this at the time. I asked why a loan would not be underwritten even though I had a XXXX benefit letter to present. He said that the three years continuation of benefits was the company policy. 

2, On XXXX XXXX, 2016, I called XXXX XXXX to inquire there about obtaining pre-qualification. The same occurred, the officer articulated the guarantee of three-years of future benefits policy almost word-for-word.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: NJ
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:
Approximately XX/XX/19 a fraud XXXX  acct was opened in my name. It was {$2000.00}. I found out immediately and contacted the company. They said would be taken off but still on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Sallie Mae ( XXXX ) has charged me far more interest than I agreed to when I took out the loan initially. Additionally, late fees are too high. 10 years after I graduated, my total amount owed is the same as the initial amount, even though I have paid over {$600.00} per month for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
All XXXX credit bureaus, Equifax, XXXX, and XXXX are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Overcharged for something you did purchase with the card

Complaint:
On XXXX XXXX I made a charge on my CapitalOne MC ending on XXXX for company XXXX for {$370.00}. they treated the transaction as a XXXX XXXX and charge additionally Cash advance fee {$11.00}. There after they continue charging interest in XXXX, XXXX etc until now Cash advance interest and regular interest : XXXX {$4.00} and {$20.00} ; XXXX {$440.00} and {$15.00}, XXXX {$3.00} and {$17.00} I call them to inquire about the transaction and they told me they would not reverse, also I told then that a payment I made on the XXXX statement for {$430.00} should be applied againt the cash advance, cash advance interest and minimun payment for this month - they refuse to do so as well. 
After further research I found 2 previous instances in XX/XX/XXXX and XX/XX/XXXX of XXXX that I made charges on this same card for the XXXX company and were treated as regular credit card charges ( no cash advance fee ). I talked to a supervisor and she would not even listen he say no to everything. 
I am requesting refund on cash advance fee, cash advance interest and regular interest derived from the XX/XX/XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to send certified mail to Midland Credit Management/Midland Funding, proving my position as being judgement proof. My certified mail gets returned as address unknown. You try and look it up and they provide you a PO Box number to send disputes. Certified mail can not go to a PO Box number. This is just another tactic for them to take you into court. 

Why can they get away with not having to prove communication and we as the consumer have to prove our communication with them. 

You go into court and this company has an assembly line of defendants, that can not afford attorneys, and then they pay 3rd party attorneys to handle there court cases so you can not question Midland Credit management/Midland Funding in court. They try and complicate it it as much as they can for the consumer. 

I want a name and address to send my certified mail to and ensure that it is not sent back to me.

Company response to consumer: Closed with explanation