BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
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:
XXXX reported a collections notice on my credit reports within the last few days in the amount of $ XXXX. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.

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 2018-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/XXXX I went to the Wells Fargo branch in XXXX XXXX, CA XXXX XXXX XXXX to deposit, into my checking account, {$900.00} cash ( in {$100.00} bills ). I do not have the receipt or might have lost it since then.

After recieving my monthly statement & noticing the {$900.00} cash deposit missing I contacted the Wells Fargo fraud department earlier this week to open a claim ( claim # XXXX ) & complaint but very little was done & they are giving me the run around - truely not caring or being concerned about this situation.

Can you help get this issue back on track? Maybe have Wells fargo contact their branch to investigate, lo

ok at their branch records & even review their video tapes on that day - that would cleary see me doing a deposit. I have been a truster client of Wells Fa
rgo since XX/XX/XXXX & I am ashamed on how they are treating me. This event will make rethink the future on my money at Wells Fargo Regards 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 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
A debit appeared on my account in the amount of {$100.00} by " XXXX XXXX '' on XX/XX/2021 that I immediately disputed on XX/XX/2021 via a phone call with Bank of America. I then immediately followed up with a letter written to Bank of America Dispute Resolution Service on XXXX/XXXX/201 outlining my phone conversation as well as indicating I am disputing the charge on my California EDD benefits debit card. 

Bank of America issued a letter stating they reviewed my base and concluded the decision was correct. 

Bank of America did not outline how this decision was made and did not provide any back up documents or corroborating evidence the transaction was mine. 

Please be aware. I reside in California and did not make, authorize, approve or request someone else to complete a transaction at a vendor in XXXX, Arizona.

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 2018-02-22
Company: NATIONWIDE ACCEPTANCE LLC
State: MO
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:
Looking at my report there's fraudulent unknown inquires on my credit report mostly on the date of XXXX, 2017, and others

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 2018-06-13
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called my cell phone asking for my husband. I told them I was his wife, the representative said she could speak to me about the matter. The representative asked me to verify my husbands date of birth, but when I told her she could give it to me and Id verify it, she said she wasnt able to do that and said she wasnt able to speak to me about the matter. My husband doesnt have anything in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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:
see FCRA violations : Not mine : XXXX XXXX {$170.00} Closed 29 potentially negative months XXXX XXXX Original creditor : XXXX XXXX XXXX - Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 100 % Balance on XX/XX/XXXX Original balance - {$710.00} Payment Info Original balance {$710.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX  FL XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX {$1300.00} payment never late : please send all proof of this violations : XXXX XXXX XXXX  XXXX {$10000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan I'm very sure this is a violation showing a paid account as no history of it : see attachments for proof : XXXX XXXX Unknown payment history {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$2500.00} XXXX  XXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment no creditor like XXXX XXXX XXXX XXXX  XXXX  : or Playmaker Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$94.00} - Payment Info Original balance - Balance {$94.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements -

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 2021-05-27
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I charged and item from Wayfair-Comenity in the amount of {$130.00}. 
On XX/XX/XXXX, I paid off this charge in full. 
In XXXX, XXXX was was billed for this item again. I have made many phone calls to both Wayfair and Comenity Bank to resolve this matter, I have a receipt from Wayfair from XX/XX/XXXX, showing this item was paid in full leaving my balance with Wayfair at {$0.00}. 

I have a letter from Comenity Bank saying, this error was corrected on XXXX/XXXX/XXXX, with the purchase posting on your account. 

I have received another bill from Wayfair-Comenity on XX/XX/XXXX with a late fee of {$5.00}. 

I called Comentity again on XX/XX/XXXX, at which time they informed me the matter is under dispute again. 

I am concerned about my credit rating at this point and am unable to get any resolution from the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am XXXX and wife is XXXX and these repeated calls upset us. I am asking that this company be charge a fine or whatever the legal term is of {$500.00} for each phone call. My FICO score is XXXX and no bad credit in my credit report for last 25 years or longer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a joint credit card with my son through XXXX XXXX in XX/XX/2013. My son has had lots of identity theft, and data breaches to his Social Security Number and personal information. There were multiple charges on his XXXX XXXX credit card he did not make. This negative charge off account was removed from my sons TransUnion credit history but not removed from my credit history through TransUnion. The XXXX XXXX account information is XXXX. I have included a copy of the police report stating one of my sons burglaries and his FTC report involving this account listed.

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 2018-12-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert from my credit report saying a new account had been added. I checked my account and a company named convergent placed an account for collections in the amount of {$71.00} on my credit report. Not knowing this company I sent them a debt validation letter via certified mail on XX/XX/2018. The letter had been received and signed for. In response I was sent a bill. I sent a second letter again via certified mail requesting validation of this debt on XX/XX/2018. This letter had also been received and signed for. As of today I have not received and information from Convergent to validate this debt and it is still on 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 2018-06-13
Company: Peoples Home Equity, 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: Credit inquiries on your report that you don't recognize

Complaint:
Date : XX/XX/2018 Peoples Home Equity ( XXXX, TX office - phone ( XXXX ) XXXX ) ran my credit without my authorization. 
I noticed credit inquiries on my report from all 3 bureaus. I never provided my social to Peoples Home Equity, and I mentioned multiple times on the phone that I don't want them to run my credit as I was just looking to talk to them about the loan options. I clearly told them I only want some information since I am just looking into the housing market without anything finalized, and that's why I don't want them to pull my credit. 

In spite of this, I noticed unauthorized credit inquiry on my report. Peoples Home Equity asked some other company ( XXXX XXXX XXXX XXXX XXXX. Phone : ( XXXX ) XXXX ) to pull my credit. This third-party in turn reached out to 'XXXX XXXX XXXX ' and I was told by them that Peoples Home Equity would need to let XXXX XXXX know that it was an unauthorized inquiry so that XXXX XXXX can send that information to all 3 bureaus so it can be removed from my report.

I emailed Peoples Home Equity yesterday but haven't heard back yet.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have received recent credit reports from XXXX, Transunion and XXXX. On them, I am seeing several hard inquiries that I am not familiar with. I have not applied for credit in over 3 years, yet new inquiries are on each credit reporting companies reports? I have not authorized any such permission and my account should be on a fraud alert, triggering someone to contact 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 2020-05-19
Company: LCS FINANCIAL SERVICES CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told the guy that keeps calling XXXX XXXX, that I had XXXX XXXX and have no record of this debt. He calls 4-5 times a day. I called and told him that he was not to call me because it was causing emotional stress after a major XXXX and that he could only contact me through written correspondence. He said he understood and we hung up. He literally called me right back as if we did not just speak. He is harassing me over a debt I have no proof of owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: MS
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:
Transunion is reporting these addresses that I have never lived at : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian is reporting these addresses that I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 non-monetary relief
Consumer complaint received 2018-12-21
Company: MRS BPO, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
6 months ago a collection agency named mrs. Bpo reported a XXXX dollar debt to my credit report all 3 bureaus I've never heard of them they never gave me the right to dispute they just put it on my credit. It's not even mine. There's no account number on credit report either. They have no information on the debt at all and are not willing to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a call from XXXX but it was missed while at work. I took the time to call the number back and some man named " XXXX '' answered. I asked him several times if he was a bill collector or if call was from collection agencies. His response, " Why don't you XXXX us '' and slammed the phone down. I attempted to call them back to speak to a manager, which I finally did address with XXXX XXXX XXXX-Vice President - Operations, whom did nothing to rectify his employee 's or his company 's wrongdoings. Now I've found several complaints against this company online about there collection tactics and I think that the CFPB should step in and look into this company.

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 2021-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My purse was stolen back in XX/XX/2020. Since then the bank of america unemployment cards agents have sent me about 4 different cards that fail to work. 

I haven't been able to access money in about 4 months

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 2020-11-12
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: Information belongs to someone else

Complaint:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/16 and never heard anything back. So I sent a 30 day comply on XX/XX/16 and I've yet to get any feedback on my investigation.

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 2021-07-16
Company: Village Capital & Investment LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my XXXX  loan back in XXXX of XXXX  from XXXX XXXX XXXX who I was happy with ) to Village Capital with XXXX XXXX XXXX who was the broker at the time. Since then, I have had several issues. The biggest, most concerning issue is that my mortgage changed from {$1800.00} ( which is what was my signed for amount on my refinance paperwork ) to {$2500.00} without any notice or explanation as to why this extortionary amount was being stolen from my account ( by automatic payments ). {$700.00} extra a month for a XXXX  mom raising XXXX kids, that's a hard hit. When I noticed this, I called, and sent emails trying to get some sort of explanation on the matter. After several phone calls, and being told it was because of a change in my " taxes '' I sent in my actual tax statement, and was told it would be corrected. It still has not been. Also, I was charged twice for my home owners insurance, and no one could explain this to me either. I keep being told someone from management or " higher '' up will contact me to resolve the issues at hand, and my payment has still never been fixed. I was told that I have a two month " cushion '' on my mortgage. A cushion I NEVER asked for. Never authorized. No one takes this seriously and no one cares. They keep sending me letters in the mail saying I have applied for a new loan with them when I have never applied for a new loan. Never applied to refinance. Never.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: FL
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 XX/XX/XXXX a fraud attempt was made to open an account with XXXX XXXX XXXX using my personal information. I was alerted of this by being a XXXX XXXX member. A fraud alert was placed on my social security and personal information Information was supplied to XXXX XXXX XXXX XXXX account - card services - that this was a fraudulent attempt to gain credit with my personal information. 

Despite the fraud alert XXXX ( XXXX ) continues to make fraudulent credit inquiries XXXX   on XX/XX/XXXX and again on XX/XX/XXXX made fraudulent inquiry on my credit report despite having fraud alerts in place with credit reporting agencies. Again, I was alerted of these fraud attempts by XXXX XXXX. As of today XX/XX/XXXX I now have a security freeze on my personal information with all 3 reporting agencies. 

I have attached information for first attempt to to open a XXXX XXXX XXXX XXXX account was attempted using my personal information. The last name that was used I have not been affiliated with since divorce in XX/XX/XXXX. Again on XX/XX/XXXX same account was attempted to be open this time using my current last name but with same other easily identifying personal information such as social security and date of birth. 

I am also having issues with Equifax refusal/failure to correct my name despite having sent them copies of my FL Drivers License and social security card. There were 2 fraud credit inquires by XXXX XXXX XXXX XXXX on XX/XX/XXXX and by XXXX XXXX XXXX credit card. Information was  given to Equifax by the merchant and copies of the 2 attached letters were sent to Equifax as well, yet the fraudulent credit inquiries continue to show on my credit report.

Company response to consumer: Closed with explanation