BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-04
Company: Southwest Credit Systems, L.P.
State: PA
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:
Southwest Credit System (    collecting for  XXXX  ) account #  XXXX  - states I owe {$380.00}. (  XXXX  )  XXXX  In    XXXX   XXXX   XXXX    I opened a cable account with  XXXX  for an extended cable package. My husband wanted a sport games Package. We went with  XXXX  because of this. The games were completely blurred out. We called often. There response was never timely. They had us reset our equipment and it would work for a day or  two. T hey sent service people out with no change. We checked Our premier channels and we were having the same problems. After 4 months we took the equipment back, paid what we owed and terminated the contract. We went with  XXXX   XXXX . That package was as pricey but they did deliver.  <P/> In   XXXX   XXXX   I discovered a negative reporting on my credit report. In  XXXX   XXXX   XXXX   XXXX   XXXX  reported I owed {$380.00}. I inquired and they sent a bill for {$440.00} In the bill {$240.00} was for early contract termination and the rest was for partial equipment not returned. In addition the bill reported payments paid for the last month we had service.  <P/> I called  XXXX  and they said the bill was too old for them to view. They suggested I travel to a payment center to see if they could pull it up. I asked for a supervisor because my work hours did not allow me to go to a payment center and I thought they could order the report or I  could FAX my b ill that  Southwest se nt and we could discuss. They transferred my call to a unit that resolved issues but the custo mer Rep  XXXX  said they probably had given us credits for when our service was out and that is all they would say. I could not get them to address anything on my bill, the early contract termination fee or the alleged partial equipment not returned. I did return all equipment. They kept reporting the bill was too old.  <P/> The issue was that my husband or I complained numerous times about our service. Yes they pro-rated us when we complained. However we did not receive the service we contracted for. After 4 months we terminated the contract. We did n't receive any bills from  XXXX , we had n't moved and over 3 years later  XXXX  reports to the credit bureau for a bill that consists of early termination fees and purported partial equipment return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX  appears on my credit-report ;  Requesting the inquiry be deleted. Already removed from my Exqufax credit-report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021 [ at XXXX XXXX CST ] ; XXXX XXXX [ a friend ] sent me {$1000.00} as he had done at least 3 times in the past [ this year ] using Venmo. 

All past times [ before XX/XX/2021 ] Venmo charged a fee that was consistent with their policy, a fee of about {$10.00}. This time around ; Venmo charged over 3 times the amount ; a total of {$35.00} was charged contrary to their own fee policy. It might not seem like a lot, but when you think about the hundreds of thousands of Americans this could be happening to, it easily scales to an issue warranting a Federal Investigation. 

Over the weekend I emailed Venmo over 4 times, including testimony from the sender XXXX XXXX. At the time of this complaint, I have received no response or refund from Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to XXXX on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.

I sent a dispute to Equifax on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.

I sent a dispute to XXXX on XX/XX/2021. I never got a response of results or the investigation. I have attached the letter that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to Equifax and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I contacted Midland Credit Management after speaking with XXXX XXXX and being advised my credit card had been referred there. 
I was advised by their collector that the account was placed in their office on XX/XX/2019. Shortly after advising my account had been there for less than 30 days, he made a demand for " immediate '' payment. This demand was repeated by the collector twice in the call. 
Further, he got extremely judgmental and implied I used the credit card and never paid for the charges which are untrue. 
My attorney has listened to a copy of the call which I have taken the liberty of attaching to this complaint and has advised me that the collector " overshaddowed '' and has violated the FDCPA. Upon the advice of an attorney, I am pursuing a civil suit against Midland Credit Management. 
Please review the call and audit the agency for their blatant abuse of U.S. Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I learned about the fraud that ive been victim, due my ATM/debit card was stolen/lost and my personal account compromised l send a letter to this institution on XX/XX/2019 showing and highlighted bringing the amount of {$3300.00} in fraudulent activity as well explain my situation but I didn't receive NOTHING even a denied letter. Honestly I was thinking and expecting more from this institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion is reporting three ( 3 ) inquiries I do not recognize : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) 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 2021-02-19
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is about SETERUS.Inc. And XXXX XXXX XXXX. As the successor in interest to SETERUS. Inc. WE NEED A lost mitigation applications to recoup our losses because of SETERUS VIOLATIONS OF REGULATION X PLEASE Respond to us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX We need a lost mitigation application s Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo Dealer Finance called my phone three times after speaking with my wife and verifying a payment had already been made. There were four total calls to my phone starting at XXXX XXXX, another at XXXX, then two within 30 minutes of each other at XXXX and XXXX. I advised them again that my wife spoke to them earlier in the day and they said, " Ok, have a good day. '' Only to call back the last time at XXXX. This is harrassment in the most basic form. This practice is more than harrassment, as there were three calls in an hour with the account having over five total calls in one day.

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 2022-04-08
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX  XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX Balance {XXXX} XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX  XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX  XXXX Balance {XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX Bank accounts were requested to be opened with XXXX XXXX, Navy Federal Credit Union and XXXX. Three fraudulent accounts were successfully opened on XXXX. 

All three banks have been notified and have started investigations. My local police department has also been notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: EQUIFAX, INC.
State: NJ
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:
On Saturday   XXXX   XXXX   XXXX   I looked at an updated credit report and notice for negative accounts were re-inserted into my credit report. These four accounts were previously deleted and blocked due to ID Fraud. Equifax is re-inserting accounts that were previously deleted by the creditor as fraud and I have attached my supporting documentation.   XXXX   XXXX   XXXX   XXXX   was deleted back in  XX/XX/XXXX  and deletion form from them is attached.    XXXX   XXXX   XXXX   and   XXXX   XXXX   ar e fraudulent account and they were removed in  XX/XX/XXXX  and the deletion report from Equifax is attached along with the FTC Affidavit. Instead of adding my positive accounts that they have removed they are re-inserting negative fraudulent accounts that has been previously removed. There is something seriously wrong here. There is something seriously wrong with Equifax and their reporting incorrect and correct information. As I have stated in previous complaints about Equifax they are single handedly ruining my credit. They have no clue at what they are doing. Remove the accounts now!! I am going to lose the home that I am trying to purchase because of their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
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: Old information reappears or never goes away

Complaint:
XXXX   XXXX   were removed from my account the re added with new dates and now I 'm being sued what can I do this is a charged off account from original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
1. I have complained multiple times over the last twenty years of this problem. But it keeps happening. Another XXXX XXXX ( married name ) information continually gets added into mine. Problem is she has lived some cities I have lived in at various times. But she has also lived other places I have not lived and had never lived at same addresses. Big glaring issue on my report at this time is that I have never lived in XXXX and not exactly sure where it is. It needs to be removed. <P/>2. Also, I have never used the name XXXX or XXXX XXXX ever. It is not my name. Nor is it XXXX XXXX XXXX. I was born with the name XXXX XXXX XXXX. After my divorce, I resumed the use of My birth name : XXXX XXXX XXXX. Usually I do not give out the middle name as I do not like it. Please delete the name of XXXX from my record as it is not now and never has been my name. Thank you. <P/>3. I am really tired of having this other persons info combined into 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 2019-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!

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 2019-07-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Visa bill chase card services due XXXX XX/XX/2019. Certified check drawn on account at XXXX XXXX XXXX XXXX XXXX Virginia on XXXX XX/XX/2019 and mailed on the XXXX of XXXX.On XXXX XX/XX/XXXX I received a notice from Chase card services that the certified check was returned to XXXX XXXX. Upon checking with my credit union no check was returned. My branch manager made contact with an account superviser at Chase and after a substantial amount of time it was revealed that a number reader at Chase missed a number, the check was not returned it was destroyed by Chase.My credit union can not re-issue another check for 90 days. We are talking about XXXX I want my money back and Chase should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had a checking account at Bank of America for about a year. 

I have not been able to transfer money through ACH to or from this BofA account using the BofA web site to one of my other accounts, a XXXX XXXX checking account at Customers bank. 

I have called both banks. They each say the problem is on the other bank 's side. 
I believe the issue is with BofA, however, since I can transfer money using the T-mobile money web site, but not using the BofA web site. 

From what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their online system. No disclosure is made of this blacklisting in any of the BofA disclosures for the account. I believe I should be able to use ACH to any of my external accounts, including XXXX 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