BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: DISCOVER BANK
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The imposters claiming to be a police officer reached out to me through a XXXX police department number and said that my SSN has been used to open illegal accounts. The fake police officer then " transferred '' me to an alleged member of the FBI, whose fake name is XXXX XXXX. The member of the FBI said that my SSN has been involved in various suspicious activities including money laundering, drug trafficking, stolen vehicles, etc. He said that my bank account has been mixed in with the accounts of the people who have stolen my identity and told me to wire transfer money out of my CD account and into a given account number so that they can " help sort through the bad accounts. '' I did as he asked for my Discover account and scheduled a wire transfer of {$15000.00} at XXXX ET on XX/XX/2019. 

On the Discover wire transfer confirmation, it clearly said that for the wire transfer to send today, I must call for a verbal confirmation by XXXX. However, since I made the transfer at XXXX ET, by the time I granted the verbal confirmation it was already past XXXX ET, so the payment shouldn't have sent. Later when I realized that this has been a scam, I reached out to Discover, I was told that the {$15000.00} has already been transferred out of my account, and they can only put out a recall for the transfer. 

As of right now, I have a case opened with Discover for the scam as well as an official police case number. The Discover customer service agents have been extremely helpful and closed out the bank account that was jeopardized, and I am hoping that Discover can successfully make a recall from the imposters. However, I do think that the way the bank allowed a transaction made right at the cut off time and authorized after the cut off to go through on the same day is misleading to the customers. If the policy were actually as listed on the confirmation page, the {$15000.00} would still be a pending transaction when I called the company and this could have been salvaged with damages. Based on this experience, I don't think Discover has actually protected my account as what they said they would do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: Credit Technology, 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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft CREDITTECH Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT TECHNOLOGY INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: BANK OF THE WEST
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I last wrote about Bank of the West refusing to deposit a check for XXXX into my account to cover XXXX payment as I wrote XXXX XXXX and no instead of XXXX XXXX and XXXX and no. The response that XXXX was deposited 10 days later is a no duh, as I sent in ANOTHER CHECK. I also transferred XXXX to make certain the payment was covered, as they were delaying depositing the second check, forgetting another check I wrote and ended up paying XXXX in fees to my checking account, I finally got someone to update my address on both my XXXX loan AND my Savings. When I went to look up my 2018 interest on my XXXX, I could not access it because, in the typical incompetence with which BoW seeks to become the worst financial institution in history, 6 years of attempting to update my address had only finally resulting in changing the one. Finally I got someone who could also figure out how to update an address on the other as well. 

Meanwhile, I have now submitted a direct deposit x 2. With 2 different routing numbers given to me by BoW. Both have failed to be accepted by BoW. So, not only are the charging me XXXX a month because I do not have direct deposit, they are refusing to accept the direct deposit, and now as a direct result, I have missed a payment, unknown to me. 

I have now once again manually transferred the money over. 

How can a bank exist that can not manage simple functions such as accepting a check or a direct deposit or updating addresses? There is not a branch within 100 miles of me. But this should not matter. My checking account is in Texas. Know how many difficulties I have had with them one phone call or email does not solve? 0. ZERO. That is zero and no. none. 

I would like to request someone at BoW who actually is capable of setting up a direct deposit contact me and complete this transaction. I also feel BoW needs to reimburse me for fees that incurred as a direct result of their incompetence. 

I can sell that trailer for XXXX to XXXX XXXX. If BoW will work with me on the XXXX remaining, I will just get rid of it and sever all ties with this horrible company that has been nothing but one headache of incompetence after another for 6 years.

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 2019-06-14
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I would try to reach someone in the company and they are hard to get a hold of. I made 4 payments and they stopped taking the payments out. Then I repeatedly tried to get a hold of someone and their phone system is useless. They have now garnished my bank act instead of place of work which I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to pay my payment online at the credit card companies website. It was XXXX XXXX on XX/XX/XXXX, the day the payment was due. Before I made the payment I noticed the last activity on the card was a {$25.00} late fee added on XX/XX/XXXX. 

At the bottom under where you pay a notice said that payments made after XXXX XXXX. EST would not be credited until the next day so even though I was making a payment on the day it was due, I was being charged a late fee anyway which was added the day before the payment was due. I made a payment of {$100.00} and the website said a payment was made on XX/XX/XXXX. 

I called the company the next day and they reversed the fee " as a one time courtesy. '' If a consumer makes a payment on the day the payment is due regardless of what time of day or night it is how is it legal to charge a late fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Account was with XXXX XXXX and a XXXX XXXX, This was a auto pay through a XXXX XXXX bank account. I Had to cance the card because it was compromised. XXXX XXXX had the wrong contact information and turned it to XXXX XXXX company, submitted collection on XX/XX/XXXX. 
I resolved this with XXXX XXXX on XX/XX/XXXX and and I have a copy from XXXX XXXX to collection agency to remove collections. 

Hello Settlement fee of {$99.00} was obtained, service is paid through XX/XX/XXXX. 

Notice was communicated to collections department to cease collection attempt. 

Kindest regards, I also submitted the Same dispute to XXXX and it was removed emeadatly

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX the XXXX I called TransUnion and asked the representative did they receive my dispute letters by mail and I was told that they did so I asked they why were they not doing an investigation.? I was told that they didn't do investigations on hard inquiries because of the Fair Credit Act and they were deleting my dispute request and I told them that I was disputing under the 116TH CONGRESS 2D SESSION S. 3508.  To amend the Fair Credit Reporting Act to provide for disaster protection for worker 's credit : For 15 minutes I talked to they TransUnion representative begging him to submit my dispute and for the hold time I kept getting denied until I forced him to speak to someone in the United State so he rudely did, so I so connected with a TransUnion supervisor by the name of XXXX XXXX and it took him one minute too read the Bill that Congeress Passed One Minute.! And he told me that Congress did pass no Bill over looking the Fair Credit Act in America and was deleting my dispute request, I told him that the hard inquiries was destroying my chances for Life Liberty and the pursuit of Happiness, I also told him the the hard inquiries was ( did! ) destroy my chances of buying a Home, getting credit cards, and was did bring my credit score down.! I can't even get a secured credit card or pre-approved for any stability. I still got denied For TransUnion supervisor 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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir/Madam, I recently received a copy of my XXXX  and XXXX  credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX  and XXXX creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX2- ( XXXX report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX  report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX 5- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( XXXX report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( XXXX  report ) XXXX XXXX XXXX  Inquired onXX/XX/XXXX 8- ( XXXX   report ) XXXX XXXX Inquired on XX/XX/XXXX 9- ( XXXX report ) XXXX XXXX Inquired on XX/XX/XXXX 10- ( XXXX report ) XXXX XXXX Inquired onXX/XX/XXXX11- ( XXXX   report ) XXXX  Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been closed for about a year. However, it is still showing on my credit report, which is negatively affecting my credit because it is still reporting information related to the loan and I no longer have this account. The account should no longer be seen on my credit report. The company sold my mortgage to another company without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: LEXISNEXIS
State: PA
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the XXXXReport and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX. This 2nd tempt to remove the items and requesting a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Immediate Credit Recovery
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Immediate Credit Recovery, Inc. wants me to pay {$860.00} per month as a repayment to my student loan. I have been making regular payments for over one year, and have paid off many previous students loans in good faith in the past. I returned to school to earn my XXXX XXXX XXXX and these loans were supposed to be deferred, but were mistakenly not deferred so I was sent into default. 

I am a good person, who has every intention of repaying my student loans ; has demonstrated a good repayment history over the past 12 months and would prefer to make direct payments to the US Department of Education. I can not afford the {$860.00} monthly plan this debt collector put me on. They are unreasonable and are unwilling to work with me. REF account # XXXX Please help me resolve this so I can pay the US Dept of Education directly. I appreciate your support. Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: BARCLAYS BANK DELAWARE
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX, XXXX, 2019 while traveling on XXXX XXXX XXXX from XXXX XXXX, Puerto Rico to XXXX, NY I was offered a XXXX XXXX credit card application. I just received a denial because I am a Puerto Rico resident. This is a discrimination based on my national origin. 
XXXX officials handing applications knew that people on that flight were PR residents. Nobody stated that this was a card exclusively for USA residents.

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 2018-10-24
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have as well as, XXXX, XXXX and XXXX has contacted Bull City Financial over 20 times since XX/XX/2018 about a account for {$510.00} that is not mine. I have never had an account with this company, nor have I had one with XXXX XXXX. On XX/XX/2018 I also filed disputes with the 3 credit bureaus. On XX/XX/2018, XXXX completed its investigation and found out that it was not mine and they removed it form my credit report. I called them back with this information and they continue to say it is mine after they admitted to XXXX that it isn't mine. But they still refuse to remove this false account from my XXXX and XXXX XXXX reports. This account has been proven to not be mine as well as fraudulent. I'm escalating this complaint because when I call them they are really rude wouldn't let me speak to a supervisor, who they blind transferred me to and went straight to a no name voicemail. Can you please help me with this? I have uploaded a screen shot of the notification from XXXX showing that it was removed by them, Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached a judgment agreement in XX/XX/XXXX regarding a Citibank credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XX/XX/XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XX/XX/XXXX and the balance was {$13000.00} ( I believe ). On XX/XX/XXXX, I asked the lawyer I had hired to reach out to XXXX XXXX XXXX and request a reprieve for a few months, because my son 's father had died in XX/XX/XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to XXXX XXXX XXXX, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called XXXX XXXX XXXX, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to Citibank, I do not believe in the few short minutes they put me on hold they had any communication with Citibank regarding this issue. Since Citibank hired this outside attorney, I believe their collections practices are egregious.

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 2022-01-08
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:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: NV
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:
In XX/XX/XXXX, my wallet was stolen, hence my identity was compromised with all my personal information in my wallet. I did not think much of it until later some fraud accounts would pop up on my report. I sent all 3 credit bureaus the necessary documents to have these two fraud accounts blocked off of my report. XXXX  and XXXX did just that, did their job in little to no time. But Equifax INC. has been violating my Fcra rights and identity rights, allowing creditors to post fraudulent information on my report hindering me from future credit extensions. Equifax did not honor the FCRA 605 ( BLOCK ) law, they kept on XXXX XXXX on my report. The only thing Equifax did was report this account again with a different balance, balance went from XXXX to XXXX ... Regardless, this account was not opened by me and it should not of remained on my account. I will attach all documents i've already sent from XX/XX/XXXX ... It's been to long with fraud information impacting my livlihood, Equifax will receive my attorneys lawsuit very soon if they do not act upon this asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I pulled a copy of my credit report and noticed that a collection account from an unknown source appeared on XX/XX/XXXX. I have NEVER received any notification of any " debt '' as I have been a victim of identity theft. I have disputed this information several times and have not received any correspondence. I have filed a police report with XXXX XXXX Police Department Report # XXXX. I also filed an identity theft report with the Federal Trade Commission reference # XXXX. Below I listed the current report from my credit. In XXXX, it was another agency, however on my XXXX  credit report it says another company. I have attached three different credit reports that reflect different names. I have received returned certified mail from the " said '' collection agency. Also, when I called the number listed on the XXXX  dated XX/XX/XXXX report XXXX, I get a voicemail message stating that its a collection agency, but there isn't a name of said so called collection agency.

Company response to consumer: Closed with explanation