BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
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: Account status incorrect

Complaint:
XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my Transunion credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.

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 2021-08-12
Company: TIDEWATER FINANCE COMPANY, INC.
State: OH
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:
There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

XXXX  is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX Tidewater Motor Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
im havent been able to link my pnc banking to my XXXX  account for bank transactions for over 6 months. pnc says they dont know why thats happening, and XXXX  told me to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
For at least the 4TH TIME in the past several months, a FRAUDULENT UNAUTHORIZED ACCOUNT has been opened at Square Inc in the name of a member of my household, without our permission ( twice in my name, twice in my wife 's ). 

Square customer support has for the most part been unhelpful in resolving these issues. They ask us to login and close the account ourselves, which we can not do since we didn't open the account and do not have the login credentials. Or they tell us they will investigate, but they do not provide assurance that the accounts will be closed or follow-up to confirm whether or not that has happened. 

They are putting our identity at risk, repeatedly. A fraudster could currently be using one or more bank accounts in our names. 

We have asked them each time to close the fraudulent account, and we have also requested that they stop opening fraudulent accounts in our names. 

This past week, I received another ( THE XXXX ) Square business debit card, in my name and mailed to my address, for an account that I did not open. Each time this has happened, I have reached out to Square and also filed a new complaint with the CFPB in the hopes that they will finally put a stop to this.

Please help us get Square to close these accounts and assure us that they will stop opening these fraudulent accounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion I need those hard inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: FL
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:
The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.

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 2019-04-12
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$120.00} Never received a call from them or a notice in the mail of the debt. Never gave me a chance to dispute or discuss a solution to the debt. It just ended up on my credit reports three times with different dates at the same amount of {$120.00} of what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried multiple times to contact trans Union and get my account information fixed on balances deliquencies ect. and they keep sub tracting huge points like negative -77 at a time. they don't have my years of credit coreect. and yoyu can see a huge difference between XXXX   report compared to Trans Union. its not fair and I have worked diligently to improve my credit score.

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 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This credit card account with Capital One Bank USA NA has been closed and charged-off since XX/XX/2017 in the amount of {$670.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced Loan with The Money Source, Loan XXXX. 
First Payment Sent XXXX, {$1500.00}. 
Payment Deposited XXXX Loan was sold to XXXX loan # XXXX, letter stated this payment would be transferred to XXXX by XX/XX/20. Payment Due XX/XX/20 As of today,XX/XX/20, XXXX has not received the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I had to close my accounts with Capital One Bank. They have inadequate security protocols and someone inside the company kept changing my personal details and had new cards issued. See complaint : XXXX. I tried in vain to resolve the situation with the company, I ask that they credit the account that I had to close due to their negligence in security protocols. They still have my account as restricted with a balance owing of XXXX dollars. They are charging me interest on this balance and service fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter from Nationwide Credit Inc, trying to collect an alleged debt. I have never heard of Nationwide Credit , Inc . I don't owe any alleged debt that they are trying to collect. In addition, their communication tactics are in flagrant violation of the Fair Debt Collection Practices Act, deceitful, hostile, and harassing.

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 2022-08-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notification from XXXX that someone tried to open a new credit application with Macys on XX/XX/2022. It was a match for my name, social security number and date of birth. I am not sure if they were successful but I will call Macys when they open.

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 2018-03-08
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I received a phone call from American Education Services attempting to collect a debt that they had called about a few days prior. During the previous call, I explained my intent to pay the full amount due and past due by the end of the month, of which this latest call, I issued a statement intending to pay the full past due and due balance by the week of XX/XX/XXXX.

AES/Pheaa needs to be made aware that communication tactics which include repeated phone calls at inconvenient times, or so close to any phone calls prior violate my rights as a consumer, especially if I've made statements making it clear WHEN I INTEND TO PAY. AES/Pheaa will cease and desist all outgoing phone calls until further notice or legal action may be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
trans union have wrong information on my credit report i have only1 XXXX auto loan and i see 3 XXXX auto loan on my credit report and lots of wrong information i call and talk to credit bureau manager and i tell her every thing on my credit report is wrong she said i can hear you but she dont do anything about it all she said you can file complain about the trans union this will make my credit lower lower it was XXXX went down to XXXX i am tryin g to raise my credit score i am trying to raise my credit score

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 2018-07-06
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling me 4-5x a day from several numbers with the same area code. I picked up the phone which they are calling on my cell and started screaming at them and they hung up. They never leave messages or what debt is owed. My bankruptcy has been dismissed. The only way I found out who they were was I was sick of them calling and they said their company name on the recording because they were closed. You cant get any info off of XXXX with their 1000 phone numbers. So it is a company called National Credit Adjusters. I have blocked their numbers but they still keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CBC Companies, 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 XXXX {$330.00}. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have continued to report the wrong balance on my XXXX XX/XX/XXXX loan for months I have sent my statement several times asking that they please report the correct balance for my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
A payment was sent to Comenity Bank for the full amount of the monthly balance due on XX/XX/2022, but they did not apply it to my account. I had it disputed with XXXX bank ( See attached letter and outcome ). I made the full payment after they returned it to my bank account. Since then, they have charged me interest for XXXX months ( the second month on a ZERO balance ). I have disputed it with them beginning XX/XX/2022, been on the phone and writing in the message center- which is the ONLY way they accept written and documentation, but I have yet to get this straightened out after 2+ months of hours and hours, and days and days - speaking with multiple representatives of this company. They are fully aware that after they did a system update in XX/XX/2022, they have had multiple, and serious problems with their system - which still continues as of this writing and have not responded positively to me, or offered any recompense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: Concord Servicing Corporation
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I see multiple XXXX  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 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 2021-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After I requested BofA accommodate my XXXX, they told me they had 30 days to serve the XXXX after the XXXX request equal access. This was confirmed via bank reps and reps at XXXXXXXX XXXX XXXX XXXX contractor. Why cant the XXXX be served the same day as able bodied people? Why do I need to wait just because I am 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 monetary relief
Consumer complaint received 2018-03-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Tried to reach out to them to let them know the apartment balance was paid to end the lease.. in 2013. They will not talk with me only hang up the phone and say contact XXXX but this debt is not mine. Even asked to just pay it to get it off my credit because Im trying to purchase a home and this is the only thing on my credit and thats how it was found out was never contacted by the apartments or from This company in no form shape or fashion. EVERYONE THERE ONLY HANG THE PHONE UP IN YOUR FACE.

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 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I got home I noticed several bank transaction alerts that were too high for my usual activities. When I logged in I noticed that I was in overdraft, and that the transactions were occurring from another state.

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 2018-07-03
Company: Ditech Financial LLC
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: Report provided to employer without your written authorization

Complaint:
I received the below email from Ditech My name is XXXX XXXX and your file has been placed in my care so that you receive the World Class service you deserve. 

You ARE eligible for a streamline rate reduction There is no need to pay that high rate any longer. 

We're reaching out to our good paying customers, to let you know that we can rewrite your mortgage w/o the hassle or costs of a typical refinance. You ARE eligible and I'd love to share with you how it can impact you financially. It will only takes a few minutes of your time to go over your savings. This program expires on XX/XX/2018! 

Here are the details of this opportunity. 

WE CAN SHORTEN YOUR TERM AND / OR LOWER YOUR PAYMENT NO OUT OF POCKET COSTS NO APPRAISAL REQUIRED NO INCOME REQUIREMENTS NO HOME VALUE REQUIREMENTS NO CREDIT SCORE REQUIREMENTS RENTAL AND 2ND HOMES ARE ELIGIBLE PAST BANKRUPTCIES AND FORECLOSURES OVERLOOKED 10yr, 15yr,20yr,25yr and 30yr FIXED RATE LOANS AVAILABLE Feel free to email any questions or a good time to speak with you. 

I can be reached directly at XXXX Have a great day!! 

When I replied. Please send me more information. They pulled my credit report ( and my wife 's ) without authorization.

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