BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is reporting incorrect information on my credit report on XXXX different creditors trade lines. I have tried multiple times to submit a dispute online on their website but it keeps giving me a message that says " We are currently unable to process your request!. The information you have provided does not match our records ; therefore we are unable to process your request online '' I have tried multiple times to call Equifax but have held for as long as XXXX hour without getting anybody on the phone. I assume this is because of the high volume of calls that they are receiving due to their security breach. Out of the XXXX major credit bureaus, Equifax is the only XXXX that is reporting this information incorrectly. I am extremely frustrated that I have been unable to resolve this and need your assistance as consumers should not have to get this type of runaround when trying to get something on their credit report resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I had {$200.00} deposited in a XXXX XXXX savings from my tax refund. However every time I try to link it to my pnc bank account, pnc sends me a code, I enter the code, and I get a msg saying XXXX XXXX is having trouble with pnc allowing customers to connect their accounts.

I called pnc XX/XX/20, she said make sure you are signed up for online banking and to try after XXXX. Still doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
have recently obtained a copy of my credit file and there is big mistake in my report : XXXX Account # XXXX : Unverified account XXXX # XXXX : Unverified account XXXX Account # XXXX : Unverified account CREDIT UNION LOAN SOUR # XXXX : Unverified account XXXX XXXX # XXXX : Unverified account XXXXT Account # XXXX : Unverified account XXXX XXXX XXXX Account # XXXX : Unverified 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 2020-04-25
Company: EQUIFAX, 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 opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX  and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, I have been requesting TD Autofinance to send a copy of my vehicle title to the XXXX XXXX so that I can register my car in XXXX XXXX and they have failed to do so. I have followed the instructions provided by the XXXX, including trying to send the request form by fax and by mail ( multiple times ). I have also spoken with representatives over the past several months to resolve this and TD Autofinance has still not sent the copy of the title to XXXX. I really need to register my car in XXXX and need to have this paperwork done. This has been on-going for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
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: Personal information incorrect

Complaint:
To whom it may concern : On my Equifax Credit Report under Associated Addresses the following information appears : " Equifax XXXX XXXX XXXX XXXX XXXX OHIO XXXX ''. I have never lived at that address. I am not even sure if that is a real address. I lived at " Equifax XXXX XXXX XXXX XXXX XXXX OHIO XXXX ''. That address on your report is correct. Please remove the incorrect information. Thank you for your time and consideration!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29
Company: Experian Information Solutions Inc.
State: PA
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:
Disputes inquiries on my credit report with Experian that were a result of the XXXX data security breach. Have not received mail from Experian. It has been 40 days. Tried calling and the wait time is too long.

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 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both TransUnion and XXXX. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.

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 2017-10-29
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint about a scam debt collection agency named Cavalry Portfolio Services , LLC. I looked up the address ( XXXX. XXXX XXXX, XXXX, NY XXXX ) on the Better Business Bureau site and it came up invalid. There is also another address to make payments ( XXXX. XXXX XXXX, XXXX, AZ XXXX ). I received a letter from them asking for {$6200.00} for a XXXX XXXX XXXX / XXXX XXXX XXXX account ( XXXX ) that I 've never had or owe. I would never make a payment as they ca n't fool me. I feel this agency definitely needs to be investigated as I do n't want them to scam innocent citizens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: NCB Management Services Inc.
State: WI
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:
On XX/XX/2020 I disputed this debt. I have never signed a contract. I do not know who this company is. I have not done business with this company. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked them twice to stop calling me at work and I am going to get fired if they continue. I even have it in writing to them and they continue calling me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: SUNRISE CREDIT SERVICES, INC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from Sunrise Credit Services. It bears an SCS Account Number of XXXX. It references an alleged debt owed to XXXX XXXX XXXX. I owe no bill to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and they indicate I owe them no debt. I called Sunrise and was informed that the debt was valid, that I needed to prove that it was not, and that they and I would be touching base in a few weeks. I asked them to prove that I owe what they say I owe. The Sunrise representative I spoke to would not do so. Please assist me.

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 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Extended overdraft fees. Bank of America has been sued before for doing such things but still charge these fees to customers.

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 monetary relief
Consumer complaint received 2022-10-03
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXXXXXX Account XXXX : XXXX Please remove 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 non-monetary relief
Consumer complaint received 2017-10-31
Company: Cottonwood Financial Ltd.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX/XXXX/XXXX Cottonwood Financial contacted me at my place of employment. I stated that I was not allowed to take these types calls to which their represented stated that they would remove my employer from the list of numbers, and then they started to discuss the issue with me, and I reiterated that I could not take this call at work. They stated again that they would remove the number from their records. 

Within a week of this cottonwood called and left a voice message on my business phone. 

On XXXX Cottonwood once again called my work and left a message with the secretary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX I paid my statement balance 1 hour late. I incurred a lets fee which the company did waive and {$30.00} in interest which the company would not waive. I also found out later that fit 2 months I have to pay finance fees. The company did waive 1 fee. I have always paid my statement balance in full on time except this one time I was 1 hour late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Spring Oaks Capital, LLC
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: Information belongs to someone else

Complaint:
Company refuses to delete a fraudulent account on my credit report. I have written several letters asking them to remove it. Account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: MD
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: Problem with personal statement of dispute

Complaint:
Experians investigation about my debt dispute with XXXX  did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.

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 2017-11-03
Company: Performant Financial Corporation
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying on a student loan from XXXX XXXX XXXX XXXX for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} onXX/XX/XXXX1991.
They say that I still owe {$38000.00}.
They are going to take my tax refund and garnish my wages very soon if action is not taken.
I have repeatedly written letters, applied for XXXX  Forgiveness with no results.
They have turned the loan over to a collection agency ; Performant Recovery Inc. which I have also written and received the same reply, that I still owe the money in question.
PLEASE HELP!!!

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 2017-12-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and Equifax and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my payment online on XX/XX/XXXX of XXXX .. the funds were taken out of my account on XX/XX/XXXX because of the holiday.. My payment on the online account shows in suspense when I called  Ditech to question it they state that it takes 5 days to be applied a glitch is in the system. In there interim i also notice that my escrow had an overage of XXXX dollars a check was mailed but they are trying to hold more escrow then needed if they apply this payment. I think they have my money in XXXX on the website to hold back giving me the full overage of escrow and carry it over into the new year. Online it looks as if I am 26 days late when they already have my payment and no one seems to be able to explain this to me. I paid the late fee and the mortgage with the escrow included. please investigate this for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have contacted XXXX and Transunion to remove unauthorized inquiries on numerous occasions, with the most recent time beingXX/XX/XXXX Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2017-11-03
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XXXX, 2015 Jefferson System Capital and XXXX are both collecting for the dame debt. I do not owe what they are claiming and I have requested information on numerous occasions and have never been provided with supporting information for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Received A Letter From XXXX XXXX XXXX, Dated XX/XX/XXXX ... Stating My Account Has Been Assigned To Professional Bueau Of Collections Of Maryland, Inc ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report ... .On XX/XX/XXXX, They Had Added This Account To My Credit Report. I Have Never Had An Account With These Collection Agencies ... ..XXXX XXXX XXXX Or Professional Bureau Of Collections Of Maryland , Inc ... .The Account They Are Noting Was Lasted Reported In XX/XX/XXXX And They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, Over the past weekend I attempted to send a {$1000.00} deposit to CoinBase.com, and was promised a date this amount would be available ( XXXX/XXXX/XXXX ). 

This money is not available and I the transaction status on coinbase.com is no longer present despite my bank registering that the {$1000.00} was sent. 

I would like an explanation for this and a notification for when this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from a XXXX XXXX at XXXX, claiming that they attempted to deliver a package and if I didn't call they would return it. When I called the number they left me XXXX a man answered didn't identify himself and said I owed {$1100.00}. If I agreed to settle for {$600.00} by the end of the month or paid {$97.00} a month I would not be served a judgement. When I looked into it. It was for a payday loan back in 2012 and the past due was {$450.00}. I also received an agreement for installment from a XXXX XXXX. I responded back to the email requesting further information as the amounts did not add up. When I looked up the actual pay day loan company, they do not exist anymore and they also were not authorized to lend anyone anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Early Warning Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX banned me from opening an account with any other bank because of a check fraud scam. I was a victim of check fraud and they treated me like the criminal who committed check fraud. They froze my assets and closed my account. I have not been able to open an account since. I tried to file a dispute against the claim but XXXX XXXX XXXX was very uncooperative an their customer service was very unfriendly and not at all helpful. The staff inside the bank would not even help me dispute the claim. It is now XXXX and I still am not able to open an account, and all of the evidence is now lost so I am not able to file a dispute, and XXXX XXXX XXXX will not allow me to open an account or allow me to open an account with any other bank. If there is a check fraud scam XXXX XXXX XXXX will assume that you are a criminal and treat you as such. They will not work with you and all of your attempts to clear the account will be futile.

Company response to consumer: Closed with explanation