BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX 1999 and have not removed it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I paid an account off to the collection agency, XXXX XXXX XXXX ( for the XXXX account ) in XXXX, 2015. After 30 days I had n't gotten a " paid in full letter '' from them so I contacted them. They sent me the letter but, to this date, the judgement still appears on my credit report, as well as the amount showing as still owed and not paid. I will write a letter to XXXX and Equifax about this matter but would appreciate any help expediting this process. 

Thank you ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: WELLS FARGO & COMPANY
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
There are authorizations made on a debit card but takes several days to post on to a checking account. While the authorizations are made, there are no funds being held out of the checking account. This causes a situation where there can be literally hundreds of dollars in overdraft and returned item feeds. I have received over XXXX in overdraft and returned item fees in the past month and half. I 'm working two weeks and I have no funds after my direct deposit because of fees. A {$35.00} overdraft fee for a {$1.00} charge is excessive

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: OH
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 contacted the credit reporting agencies, Equifax, XXXX, and XXXX. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then Equifax ruined my credit with their glitch and has since dropped my score even further without a response or reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: WLCC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 742.15 % " MyFundingChoices.Com Blackhawk Finl '' XXXX created on XX/XX/XXXX XXXX XXXX ( Current ) Finance Charge {$700.00} Amount Financed {$1700.00} Total of Payments {$2400.00} Disbursement Date : XX/XX/XXXX ( on or about ) Effective Date : XX/XX/XXXX Due Date : XX/XX/XXXX every two weeks Black Hawk Financial dba MyFundingChoices.com XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: FinCo Services Inc DBA Current
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Current Bank. I have a balance on my card. I can't withdraw money from the card at the ATM. Customer service just XXXX me around. What happened with former balances on my card account? I'm tired of living broke. I'm tired of disappearing money. People steal. This isn't an airtight game here. Why does Current play along with it? I'll send reciepts I've had way more than {$300.00} missing from my Current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX, the company United Revenue Corp. States I have a debt with them and has reported it to my credit report. Pursuant 15USC 1618B, I have asked them to please provide proof of the application you have on file that I applied for credit with If there is no proof of contract please remove this item off of my report. I have not received anything back regarding this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank card was used fraudulently on XXXX. I called PNC on XXXX to report it, dispute it and cancel the card. There were 11 transactions but only 9 could be disputed at the time, the other 2 had to wait until posted. 2 disputes were filed. On XX/XX/XXXX I filed the dispute for the remaining 2 transactions. On XX/XX/XXXX the provisional credits on my account were reversed, charging back my account. I called and was told I was unreachable and they closed the disputes. I received 2 letters from PNC shortly after XXXX but that is all. No phone call, email, text, voice mail or message on my account. I also questioned why I was never asked anything on XX/XX/XXXX about the disputes when I called if there was information needed. No answer and oh well for you was the basic sentiment given. I reopened the disputes and asked when the credits will be applied since this is fraud and they are to protect me as a consumer with their bank. I was told no credits will be issued and I have to wait 45-90 days until the investigation is concluded to see if I will receive my money back. It was at that time I also noticed that one of the disputes I filed on XX/XX/XXXX didn't have a credit either. It was a new dispute at the time. The person couldn't answer and said, you will have to wait for that as well. This bank let someone use my money and is holding me responsible for it, is what their actions say. I have fraud protection on my account and they are not owning up to it, as they should as a financial institution. I was told that I can call the merchant and ask for the refunds myself since these purchases were not made by me. This is just criminal to me that a bank isn't protecting me from fraud on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX, the company XXXX XXXX XXXX States I have a debt with them and has reported it to my credit report. Pursuant 15USC 1618B, I have asked them to please provide proof of the application you have on file that I applied for credit with If there is no proof of contract please remove this item off of my report. I have not received anything back regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Southwest Mediation Service
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a voicemail from southwest mediation service regarding a civil action suit against me on XX/XX/XXXX, called them back immediately and they stated that i owed them money for a magazine subscription service from XXXX which they claimed was largely unpaid. I never signed up nor received any magazines from anyone or anywhere during that time. They stated that i would have to pay a larger sum of money if i did not settle the civil action suit against me today. When asked to speak to a higher up they stated that we could not speak to a higher up and when asked about the company address and other information so i could verify the legitimacy of the civil action suit they stated that they could not give out that information. On the XXXX XXXX XXXX website, they have a XXXX XXXX XXXX, When on the call with the company i asked them to send me an email regarding the civil suit and the XXXX XXXX listed on the email i received was not the same as the one listed on the XXXX  website. The individual who i spoke to was highly unprofessional and used vulgar/inappropriate language. They claimed to be someone named XXXX and said they were the only person we could talk to. However on the XXXX site, there's several names mentioned and none of which XXXX, They claimed to be the only " Mediator '' that worked for the company and that the only other worker was the front desk secretary. When further asked regarding the legitimacy of the civil suit, they stopped responding altogether and began breathing heavily. The business 's XXXX XXXX are located in Nevada however there is no registered company in the state of Nevada with the name stated above. The " Mediator '' also refused to show the contract i supposedly breached and claimed i would only get to see it if it went to the courts and/or " Legal '' as the " Mediator '' referred to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
They would not remove by order of state of Utah.

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 2016-05-25
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide the documents on file that they have on file that was used to verify the accounts I am disrupted. Being that it 's been past the 30 day mark and they can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter as soon as possible Thanks

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 2022-09-06
Company: Collection Bureau of America Ltd.
State: CA
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 been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: GA
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:
Myself a s well as a paid firm (  XXXX   XXXX  ) has repeatedly disputed  XXXX  negative item that only Equifax refuse to delete. On   XX/XX/XXXX ,  I spoke with a Equifax dispute  rep.  Who advised that she would dispute the erroneous account for   XXXX   XXXX   XXXX    formerly known as   XXXX   XXXX   XXXX    XXXX   XXXX  ( Account #  XXXX  ) ( Dispute reference #  XXXX  ).     After calling in on   XX/XX/XXXX     to verify that the dispute process had started I was advised that the creditor verified that the information they provided is accurate. At that time I again explained that the account was erroneous as the monthly payment, the past due amount and the status 120 days was all frivolous and I need written proof verifying how they proved that this information was in fact correct. At that time another investigation was started and I was provided with dispute reference #  XXXX .     I again wait ed 24 hours and c alled back into Equifax to verify that the process had in fact started as was advised they had already disputed the account and that the creditor had verified the informati on. Might  I add, during thi s 2nd request  I provided my original contract showing my payments as well as additional information. It was know way possible this could be verified as accurate.     After major frustration and countless hours of trying to get the issue resolved myself, I broke down and paid  XXXX   XXXX  over a {$100.00} to intervene. I provided  XXXX  Law with my original contract and Bankruptcy documents dated back in   XX/XX/XXXX   showing that the loan was part of a BK and that the creditor is reporting every month for the past year that I was 120 days late and that my payment is {$200.00}. All of this information is erroneous.     On   XX/XX/XXXX ,  Equifax came back once again advising  XXXX   XXXX  that the account was valid and they are reporting the account accurate. After my providing proof and requesting proof from Equifax as to how   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  verified the account I was told that my claims where frivolous and I did not receive any information from Equifax verifying the process used to validate this account.     Furthermore, Equifax refused to dispute and remove the fraudulent inquiries dated after providing information from the FTC as well as a police report.       XXXX   -  XXXX   XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX   XX/XX/XXXX    -  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    -  XXXX   XX/XX/XXXX    -   XXXX   Please assist me with this issue as I can not offered to keep paying attorneys for something that has been proved numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Is regarding ExperianXXXX has been reporting on my credit report ... this has been disputed with XXXX since XX/XX/XXXX. Talked with Experian that XXXX refuses to give me ANY back up ( original date/what this was for etc ... ) Contacted experian each month to dispute again this is an invalid debt. Experian will refuses to remove from my credit bureau.. due to the fact that XXXX sends back in the portal it is a valid debt. How can this be a valid debt if there is NO documentation to back up the debt. Experian stated they will NOT remove and there is nothing they can do and it will be removed from my report XX/XX/XXXX. This is unacceptable that Experian can continue to report negative Unverified information. Not sure how this is legal for the credit bureaus to report false information and side with a collection agency vs the consumer on a debt that is NOT validPlease advise the next steps.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: ASSOCIATED MORTGAGE BANKERS IN
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Associated Mortgage Bankers opened a mortgage loan for me, however, the interest rate they charged my husband and I is XXXX %. After speaking with a refinancing company the representative told me that the interest rate is way too high. 

I feel as though the interest rate is discriminatory. I did n't realize that Associated Mortgage Bankers even charged my husband and I XXXX % on the Truth in Lending Disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off 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 explanation
Consumer complaint received 2022-01-04
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a new account with Navy Federal Credit Union yesterday XX/XX/22, Checking and Savings, I was asked if I wanted to allow any joint users and I said No, I was told checking and savings were both free, I made their {$5.00} required deposit to become a new member, and they helped me set up a XXXX account so my employer could transfer my payroll check for my last 30 day pay period. My employer transferred {$2200.00}, I went online and paid my rent to XXXX XXXX XXXX by echeck with the account information. I went in my account this morning and {$2000.00} is missing from my new account the transaction shows as an " adjustment '',. And I still have the outstanding check that is currently processing for my rent. Navy Federal is stating that the money taken was a credit debt for another member who I was associated on another account with. I said I did not allow any joint users on this new account. The collections department who I do not owe any money to is very rude and unprofessional, I have never had any credit debt with navy federal, they are treating me very unfairly and I have been on the phone all day with different " managers '' who say they are reviewing the calls to see if I in fact intended to open a new account. If my rent check bounces my late fee is {$120.00} plus any bounced check fees and I will no longer be allowed to use the echeck system through my property manager again due to navy federal tricking me. They lied to me about what they were doing with the new account and took my money for a debt that does not belong to me. This was supposed to be a new account and they tricked me and stole my payroll check for an entire 30 days. I will face many fees and financial damages I can not afford because of them lying to me about my initial deposit. The worst part is how they treat me trying to ask for help, I am taken in circles and have explained the situation repeatedly to many people who say they are reviewing recordings while my families rent is on the line and they could care less. This is making me sick to have my money stolen for choosing to be a member of their credit union.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief