BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported unauthorized charge in XX/XX/XXXX, someone used my card in XXXX XXXX , chase returned my money and 45 day later closed the case in my favor. New card was shipped, but never arrived, someone use it again in XXXX in XXXX charging XXXX , I reported another case. In XXXX statement appeared XXXX XXXX  charge and in XX/XX/XXXX $ .My current balance right now over 4000 $ with credit card limit XXXX . I did not use my card in XXXX XXXX  of XXXX country. 

p.s please see all credit card statements I attached, it is very confusing, Chase keep transferring money back and fourth, and could not explain me why did the do that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Last XXXX I wanted to check my credit score before beginning my new vehicle search. I simply wanted to order a tri-merge credit report ( XXXX TransUnion, XXXX ). After I Navigated thru TransUnion.com 's website, following the links to where I can order a credit report, I was taken to a signup form that was not a one time purchase form, rather a monthly subscription form. Here lies the problem. They do n't offer a way for a consumer to purchase a one time or even receive a free credit report. They force the consumer to sign up for the membership. So, as you can guess, like many consumers, time passed and my card on file was billed, {$9.00} a month. This persisted until my wife called and complained back in XXXX about cancelling the service and being refunded for past billed months. Nothing was done. Now, on XXXX XXXX, 2017, I logged onto the website and found a way this time to cancel the subscription. I called again to complain to TransUnion about why I 'm still being billed for this service which I never asked to receive and to confirm my account was this time cancelled. After speaking with the customer service person, she said confirmed the account was indeed cancelled. I proceeded to ask her about the funds from XXXX to present that were paid ( {$9.00} x 7months = {$69.00} ). She said that I signed up for a monthly membership service. I then told her I signed up to pay a 1 time fee for a trimerge credit report. After explaining to her that a consumer can indeed just order a onetime report, I asked her again for a refund. This time she complied and said she could only credit back 4months. I was astounded! I ca n't believe after discovering this formal complaint this morning that she would even try to retain me or offer only 4 months reimbursement for fees paid. I said that was not good enough for me, and that I needed to be refunded the entire amount. She then tried to get an EXCEPTION for this refund for all 7 months and said she was successful. I 'm writing today to point out that even with this complaint against XXXX and TransUnion, they are still providing deceptive practices. I should n't need to walk the customer svc agent thru the steps to ordering a report and indeed you are forced to signing up to their membership service. This is a SERIOUS problem and needs to be recognized by these companies in a public way. If there is a class action lawsuit regarding these events that happened to me, please include me as I will gladly participate in helping prevent this from happening again to consumers. Its simply not tolerable for someone who is trying to see their credit score and being duped into paying for an unwanted monthly service ( credit monitoring ) which i never used.

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 2016-08-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refer to my previous compliant ( XXXX ) regarding negligence servicing by " Ditech '' Company, and despite their letter of apology and their claim of correcting their error, I just received a " Notice of Default and Intent to Accelerate '' letter from them dated XXXX/XXXX/2016. When I called their representative they are not able to tell me how they determine that I owe them a balance ; moreover, I have all documents proving the I have made all of my payments accurately, properly and timely. They have caused me a great amount of anxiety and distress by their incompetent conduct in servicing my loan.

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 2016-01-22
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get continuous calls and emails from a debt collection company, even though I have perfect credit and have no collections. Here 's the phone numbers and links to show this is a scam. 

I was called from XXXX - XXXX, CA and left a voicemail to call ( XXXX ) XXXX which is Dynamic Recovery Solutions. I never saw so many names, family members, and addresses connected with one phone number, that was NOT a business line. There is no reason for me to get a call from this type of company. 

XXXX And XXXX From the XXXX : This company is trying to collect on a debt that was settled by legal arbitration in XX/XX/XXXX. The statute of limitations on the original debt expired in XX/XX/XXXX, yet they continue to report an outstanding balance to the credit reporting services. This is harassment, pure and simple, and companies like DRS are little more than predators who make a living by intimidation and blackmail, even though they have no legal recourse or standing to enforce the " debt '' they seek to collect. This should be illegal, though as we all know, money buys justice, today more than ever. 

This customer had a NEGATIVE experience with this business. 
This customer WOULD NOT recommend the business to a friend, family member, neighbor or colleague. 

By XXXX On XX/XX/XXXXXX/XX/XXXX Just want to let all of you know how Dynamic Recovery Solutions , LLC sent me a letter home trying to collect apparently a debt from XXXX. I do n't know where they are getting personal mailing addresses, but they are. I call them and they are such a scam, they tried to go around just to get personal information. I interrogated the operator and the supervisor and we 're not specific as to where they where they were able to obtain my mailing address, their excuse was how many person had my same name, how can they believe they are contacting the right person. Do not fall for this. 

These are a few of the many complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Account Previously Deleted for non validation by previous collector and creditor. 
No dunning notice sent by this collector. 
This debt buyer has falsified date of account opening, first reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have satisfied my obligation to the IRS in full now. My local County Recorder 's office continues to report an OPEN IRS tax lien. I provided the Recorder with the attached satisfaction letter, and they refused to report the IRS 's lien as satisfied. I asked for a copy of the lien they were reporting, and was refused. I was told they had no obligation to provide me with a copy of that lien. I have sent a copy of my credit report ( also attached ) to the IRS - asking that they update their reporting ( showing satisfaction ) to the County Recorder 's office - but have not seen a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got an email from PayPal saying thank you for making an online payment of {$350.00} for acct no ending inXXXX for some antivirus software, if not you call XXXX or XXXX. I called and they said someone in the XXXX was using my information and then tried to get me to let one of their techs fix my computer remotely for {$400.00} that they wouldn supposedly return if l called their fraud department. I do not hav a PayPal acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We received assistance through NC Assistance Fund for our mortgage. We have a mortgage with Midland Mortgage. An ACH payment of {$11000.00} ( payment ID XXXX ) on XX/XX/2022. Midland mortgage still has not applied the funds and keeps sending us loan modification documents we didn't request. We tried working with Midland mortgage and sent back three signed separate loan modification documents at the beginning of the year. They kept denying the forms saying I hadn't signed them correctly. They never processed the modification after trying to work with them for four months. We then qualified for assistance with the state of North Carolina through the NC Assistance Fund. Now our mortgage company is refusing to process the payment and trying to pressure us into accepting a loan modification that is quite a bit higher per month than what I pay now. The funds from NC Assistance brought our account current and they are to receive a payment in XXXX, XXXX, and XXXX. Please help me with my mortgage company applying the payment. They accepted the payment and haven't reversed it.

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 2016-06-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have sent Ad Astra XXXX certified letters and XXXX email requesting they cease all contact with me. I have asked them not to contact me at work yet they continue to call my place of employment. They are violating my rights an I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2016-08-19
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a phone call from a man by the name of XXXX, which to be honest I do n't remember if he said his name when he called. I was more interested in what company it was calling me from a weird XXXX number as it appeared on my caller ID. This man calls me to advise me that my car pay is {$58.00} short, my payment is actually XXXX and change. Most of the time I do n't bother thinking in cents but in whole dollars so either I pay a few cents less or a whole dollar more, no big deal. I tell him if that is an issue, he states that it is because my total payment should have been the XXXX and change, I then tell him that this entire phone call is a bit ridiculous because up until now I have paid my payments in full minus the lousy cents and this month I paid XXXX instead of the XXXX and change since they want to get " technical ''. I then ask him for a copy of my contract loan with them just so I am aware if I am out of bounds, I understand that the full payment is due but i paid XXXX % of it and for them to call me about {$58.00} is annoying frankly. Especially since I am at work! This is not the first attempt to contact me at my place of employment either, they have previously left messages with co workers during the first two months because of being a few days late, only because of my due and payment cycle however it was UNDER 10 days late. This is not my first car loan, but this is the first time being approached as harshly FROM THE BEGINNING. If I could turn the car in without hurting my credit I would have a long time ago, but we all know that 's not the smart thing to do and I do n't think I can handle 4 more years of this kind of attitude because if it 's not this month it will be next month, kind of annoying if I am paying my bill in full or up to XXXX % and within its pay period I do n't see why I need a babysitter. Something has to change because along with the XXXX attitude, XXXX did not give me the FDCPA or mini miranda or any other kind of awareness before continuing with the slap in the face.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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: Information belongs to someone else

Complaint:
ftc violations enclosed : The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XXXX XXXX XXXX In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hi, I received an email coupon to get {$300.00} from PNC to open a checking account. I visited PNC 's pop-up branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. A representative name XXXX XXXX helped me open the account and explained me the deposit requirements and benefits related to opening the account. After few days I receive a letter with Reference # XXXX from PNC dated XXXX XXXX, that my application for PNC Cash Builder Visa credit card was not approved. This was surprising for me as I never applied for any credit card and the representative never asked me if I would like to apply for credit card as well. I called up the customer service immediately to notify them. But they told me I will have to contact the representative or call at XXXX. I called up this number but no one picked the call and it did n't even went to voicemail. So, I visited the pop-up branch again but PNC have different representative based on days. So I decided to go their main branch XXXX XXXX, XXXX, NC XXXX. I explained my whole situation and the representative told me that they will follow up with XXXX XXXX and request the bureau to remove the credit inquiry and also train their representatives better. I called up few days later at XXXX XXXX branch again to follow up and a representative, XXXX XXXX tried to discourage me and told in order to remove the inquiry I have to send an email explaining the whole situation and it would take 90 days to make any decision and decision might not be favorable. He further tried to sell me a secured credit card. I clearly told him I do n't want a credit card and would like to get this incorrect inquiry removed from my credit report. 
I seriously feel PNC should train their representative better and should be transparent with customers. It has been really terrible experience gettign transferred from customer service to the pop-up branch to branch and then agian to branch. Each time a representative tell a different thing or try to sell PNC product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited on XXXX XXXX, 2015 a XXXX check which was actually for services for the bank. I deposited the check in my Wells Fargo account on the same day. Because of the XXXX XXXX provisions, my bank had collected funds the next day. However, because of the way the law is written, Wells Fargo tells me that they can block my access to those collected funds for up to twelve days, which is what they have done. 

It defies believe that a bank, which exists at the pleasure of the government can bar my use of those funds or if allowing those funds can charge me an overdraft fee for funds that have already been collected for my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation