BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When I realized me and my kids were victims of an organize crime ; the fraud account with Bank of America had be FRAUDULENTLY used 7 years prior and account was closed. My information was breached, acct mishandled, statements showing my name XXXX XXXXXXXX XXXX and statements were going to XXXX XXXX XXXX the college he is XXXX at in FL. I reached out to Bank of America in XXXX and XXXX due to finding out then I was a victim of some serious crimes and the fingers were pointed at me as if I'm the criminal of financial crimes when really I can barely count. I've suffered from financial hardship since XXXX. The account had deposits I was unaware of, XXXX atm card being used in different states and cities in the same day before and after I closed the account. The account was linked to a breached email XXXX and XXXX. Ive suffered from XXXX XXXX, XXXX, Banking Threats, Banking issues due to conflict of interest. I'm dealing with Mail Theft due to receiving mail from companies ive reached out to. When doing a change of address it was unable to be changed through USPS for these people address which is XXXX XXXX XXXX XXXX Fl XXXX, XXXX XXXX XXXX XXXX fl XXXX. The GEOLOCATION for my address is being altered and swapped to where I recieve no mail. They've gotten over a 10 year lead way on me with Bank of America, XXXX XXXX, XXXX, etc. They've FRAUDULENTLY taken out life insurance policies and cashed out faking me and or my daughters death for money, took out student loans using my full name due to having knowledge I never used my full name for anything. Bank of America refuses to remove the fraud info and prosecute the real criminals. Ive been singled out and feel like the world is against me and it is due to over XXXX being spent FRAUDULENTLY through banks CD accts trusts foreign assets forieng banks, life insurance XXXX insurance through now over XXXX person schemes ... ..HELP before I die of a nervous break down or they do it first ... they are misspelling my name to XXXX, XXXX etc and my last name being misspelled etc. They are blackmailing people I know to steal from me important papers documents for evidence. Police reports but no officer never investigate. This has caused hate crimes. There is XXXX XXXX XXXXXXXX XXXX XXXX Etc insurance companies involved using family members names, me and my daughter sharing the same XXXX when that's impossible, child support fraud ... XXXX needs to be audited due to conflict of interest breach hippa privacy laws altering information thats not true accusing me of several crimes that I'm innocent of, child support payments I never recieved for my kids showing up in Bank account as if they paid when they really didn't i have no one to help 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 2020-11-16
Company: LEXISNEXIS
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The information on CLUE is inaccurate as the accidents stated below listed me as " At Fault. '' These should be listed as " Not At Fault. '' XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No such event occurred. 

When I spoke with XXXX they are listed as not at fault. This is creating high car insurance charges. I need these removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
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 have a loan with XXXX XXXX, LAW OFFICES MBA, and XXXX XXXX XXXX . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, LAW OFFICES MBA, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My balance on XX/XX/XXXXon my Capital One credit card was {$490.00}, credit limit on the card is {$500.00}. I made a payment of {$490.00} on XX/XX/XXXX prior to the end of my billing statement to pay the entire balance off. Later that evening I confirmed with my bank that the payment was made. On XX/XX/XXXX I checked my bank account and it stated processed and had cleared payment to Capital One. I then received an email from Capital One on XX/XX/XXXX at XXXX thanking me for my payment that stated that my payment has been posted. On XX/XX/XXXX at XXXX I contacted Capital One because my account stated a {$0.00} balance but also stated {$0.00} available credit. When I called the recording stated the same information about my account and that they have received and posted my payment on XX/XX/XXXX for {$490.00}. I spoke with two people one named XXXX XXXX and both stated that they can release the available hold once payment had cleared and when I told them its cleared through my bank and they emailed me stating its posted I was told that they would call my bank and be on the line as I confirmed my information on who I was and then ask my bank for banking information to confirm the payment has been processed. When I told them I would not allow them to contact my bank and be on the line as I went through the security process to prove who I was and I would not allow them to hear my personal banking information they stated the credit would not be available until Saturday XX/XX/XXXX. I brought up all my paperwork I had received from Capital One about the credit agreement, that I have paid on time each month for over 6 months being with them, I have never had a payment returned, and that the agreement states when the payment is posted the available credit is then available. My issue is they are holding the balance payment until the end of the cycle which will then report to the credit bureau that I utilized 98 % of my available credit and it will charge me 24 % interest on a balance of {$490.00} next month because he said the balance would not have cleared prior to end of billing cycle. How can they hold my payment once out of my account for 5 days until after the billing cycle ends, zero out my balance for the next billing cycle, charge me interest when they payment was removed from my account 4 days before end of billing cycle, report the high credit utilization to the credit bureaus, and breach the credit contract of available credit when they have the payment in their system days before. When I make the minimum payment or anything under full payoff they have never withheld it or the available credit for 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: OH
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:
The company known as Experian issues two different FICO scores depending if you are an individual or a bank.The reason is they want to sell customers products that raise there credit scores to what they report to banks or other lenders.I was personally was shown a a FICO score from Experian of XXXX. They stated that you are only 11 points from having an a score that would indicate excellent ( offering to sell me a product that would do this ) .My credit is also reported to XXXX XXXX by Experian which showed a much higher number. The number reported to XXXX XXXX was already in the excellent range. I called Experian and was told by the call center that was common policy. This does not seem to be the way to carry on business. 
Thank You

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Im writing this on behalf of my minor child. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.

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 2019-02-26
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I originally had a collection with XXXX wireless for data charges I did not agree with. They sent me to collection. Each time we agree on an offer, the collection company sells the debt to another one. I am now on the fifth collection company. I am unable to settle this debt. The latest company was sent a certified letter to only contact me in writing, never by phone. The continuously contact me by phone. They refuse to contact or respond to my correspondent. Instead they threaten to sue 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 2017-08-03
Company: ENCORE CAPITAL GROUP 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:
I requested validation of this debt multiple times ( XXXX XXXX/MIDLAND FUNDING ) has failed to produce any documentation. They havent sent my original contract showing my Apr. They tried to sue me in court this case was dismissed because they couldnt prove this debt is mines. They are in violation of the federal law by keep this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Upgrade, 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:
On XX/XX/2022, I recieved notification of a fraudulent credit card being authorized in my name for the amount of {$22000.00} with a company named UPGRADE. I did not authorize this and have notified the company however they stated that they could not Clos the account at this moment. This company does not have my approval to carry out such contract and I would like for it to be removed immediately. I have screenshots of the email that was sent to me. I have also recieved notification that a lease line of credit has been taken out in my name with XXXX in the amount of {$1400.00}. My claim of detachment listed above applies to this company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: U.S. BANCORP
State: CA
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:
On XX/XX/XXXX I was charged {$1100.00} for the purchase of a computer by the XXXX XXXX ( XXXX XXXX ). I subsequently returned the computer for a full refund. On XX/XX/XXXX I was credited an incorrect amount of {$1100.00} by my credit card company and bank, U S Bank. I spoke with the merchant on the morning of XX/XX/XXXX, and they advised me that they had refunded the entire amount of {$1100.00}. US Bank has been unable to resolve this issue. I am requesting that U S Bank Credit Card Services issue a corrected refund in the amount of {$1100.00}. U S Bank has not been able to remedy this situation after forty-five minutes spent on the phone with their customer service department. I appreciate your assistance.

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 2021-02-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was attempting to our purchase a ring from XXXX XXXX in XXXX, Tx. I was assisted by a young man named XXXX. When there was a ring I was interested in, I asked about whether their company does financing. He says yes and ask if I would like to see if I qualify and I say yes. Only after he obtained all my information did he disclose that he was signing me up for a credit card. Immediately after I was informed that it was a credit card I instructed the employee to cancel the application. After which, he confirmed that I would not get the credit card and the there would not be a pull on my credit report. However, days later I receive an email notifying me that I have a new credit card opened in my name for this store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I applied to Quicken Loans for a refinance, combining a 1st and 2nd mortgage in XX/XX/XXXX Although I found the process extremely invasive, at first everything went smoothly due to my excellent credit. I was offered a conventional loan which I found acceptable. 
After about 6 weeks, my closing was scheduled on XX/XX/XXXX However, IMMEDIATELY after closing was scheduled, a judgement " suddenly '' appeared against my ex-wife. I had been divorced for 4 years at this point. 
I had submitted a Divorce Decree, and a notarized Quit Claim Deed to Quicken, which clearly removed my ex-wife from all claims to the property. None of this was honored. 
I believe that Quicken knew about this judgement, and colluded with my 2nd lien holder to make it appear, so that I would be pressured in to financing it. 
Quicken then made an offer which required me to pay for my ex-wife 's judgement at closing. I rejected this offer, expressed my extreme distrust, and indicated that I was done with Quicken.

In spite of my rejection of them, and expression of distrust, Quicken then offered me another product, an FHA loan, which was completely unacceptable, and which I outright rejected. 
So, after a mysterious judgement suddenly appearing, and my subsequent rejection of Quickens offers, they send me a letter saying that I was " Denied '' financing due to my credit. 
I rejected them, repeatedly, yet they are reporting that they denied me! Furthermore, they said that they would not report this to any Credit Bureau! 
How is this possible? How are they able to lie like this? 
I have entire email streams that prove they were consistently trying to finance me, and that prove that I flatly rejected them. At the time that they created this fiction, my credit score was XXXX. 
My complaint is that Quicken has lied about the nature of the refinance not happening, and that they knew about a pending judgement, but hoped to use it to their advantage. 
I've attached documents which prove that they created a false pretense for the refi not happening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Account information incorrect

Complaint:
There seem to be unverified or inaccurate accounts on my credit file.

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 2020-05-13
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened the NetSpend pre-paid account for the direct deposit of the CARES Act payment. 

I updated my information on the IRS Economic Impact Payments website at. Please see attached. XXXX XXXX XXXX XXXX XXXX   Dear Non-Filers : Enter Payment Info customer : Congratulations, the IRS has accepted your Non-Filers : Enter Payment Info return. 
Your Submission ID is : XXXX If you haven't already, it's always a good idea to print a copy of your return for your records. 

Check the IRS website for the latest info on payment timelines at XXXX : XXXX To confirm your return status, log in to your Non-Filers : Enter Payment Info account at XXXX : XXXX XXXX XXXX and select the " Check E-File Status '' button. 

Payment Status. 
XXXX XXXX XXXX We scheduled your payment to be deposited on XX/XX/2020 to the bank account below. 

Bank Account XXXX : XXXX If you don't see your payment credited to your account, check with your bank to verify they received it. We will mail you a letter with additional information on this payment. 
On XX/XX/2020, my account ending in XXXX was closed for fraud after I sent in the requested documents for verification. Please see the attached documents. 
I have contacted the IRS about my CARES Act payment that was deposited into this account and they have no issue. 

I was told nothing could be done to reopen my account so my remaining balance of XXXX would be mailed to me within 7-10 days. I gave my information and verified my mailing address and waited for my check. On XX/XX/2020, I received a check in the amount of XXXX. 

I called customer service on XX/XX/2020, to request my remaining XXXX balance be mailed immediately. I was told that NetSpend was investigating my direct deposit funds ( CARES Act payment ) and would mail a check for the remaining balance of XXXX after 60 days. I said that is unacceptable they already investigated my account and closed the account and by law, they are to mail me my full balance within 7days of the account closure. A supervisor then said my issue would be escalated to the global team and they would call me within XXXX with more information. 

As of today XX/XX/2020, the corporate global team contacted me via telephone ( XXXX ) and stated the funds will be released after the IRS has contacted them and verified it is not investigating me for fraud. 

I have attached the correspondence history, the call history and the IRS documentation for your convenience.

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 2021-11-04
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been receiving phone calls of harassment, abusive and obscene language and threats of XXXX  and XXXX  repeatedly from Diversified ADJ Service Call Center Debt Collection Representatives for a debt collection account thats fraudulent, not my account and is the result of identity theft. The following account is fraudulent, not my account and is the result of identity theft : Diversified ADJ Service, XXXX XXXX, XX/XX/2020, {$2400.00}. I am in fear of my life right from the constant threats of XXXX  and XXXX  I been receiving from representatives from Diversified ADJ Service. Diversified ADJ Service is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX  XXXX   XXXX XXXX, XXXX PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: CO
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:
I have tried multiple times to contact Experian by phone. There is no option to speak with a person that I have been able to find. I filed a dispute on XX/XX/XXXX and XX/XX/XXXX, both times they simply messaged me that the investigation was complete. No information was give yto me about who they spoke to or any one I could contact. They no longer are working on the dispue and refuse to reopen another dispute. I believe I am entitled to the details on the investigation, not just their conclusion, which is wrong.

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