BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
XX/XX/2018 XX/XX/XXXX XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I created a XXXX account in XX/XX/2019. My first mortgage payment was supposed to be paid on XX/XX/2019. I set up auto pay and per their instructions, I paid the first payment manually as it would take about a month for auto pay to be completed. My first payment was taken out of my bank account on XX/XX/2019. A second payment was taken from my bank account on XX/XX/2019. I never authorized the second payment to be taken from my account. I created a ticket within their application on XX/XX/XXXX when i noticed the second payment that was processed. I created another ticket on XX/XX/2019 again as I had not heard anything back from the company. I also tried to call the company but received no answer. I contacted my bank XX/XX/2019 for a refund for the unauthorized payment as it has caused me financial hardship.

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 2018-03-22
Company: M&T BANK CORPORATION
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:
There is an inquiry on my credit report from M & T bank Ind that was added XX/XX/2018 that Im just now seeing and I dont know of them or never gave them permission to open an inquiry on my report. Their location is XXXX, NY with phone number 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 2021-04-23
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, XXXX, Innovis credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( XXXX XXXX ), and a FULL REPORT FROM XXXX AND INNOVIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Bryant, Hodge & Associates LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This number continues to call me at work - 3 times in a row on Thursday XX/XX/16. I told them this was my place of business and asked them to stop calling. The women on the phone stated **I WILL NOT STOP CALLING YOU** The phone # is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-11
Company: Asset Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called my place of employment multiple times. XXXX is the representative who keeps calling me. I spoke with her last week while I was at work onXX/XX/XXXX and told her not to call my place of employment. I received notification todayXX/XX/XXXX that she again attempted to call my place of employment even after specifically telling her not to call there. I again notified her to not call my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, Corelogic, XXXX credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( XXXX XXXX ), and a FULL REPORT FROM CORELOGIC AND 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 2021-09-20
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: Information belongs to someone else

Complaint:
Hi, I am very depressed from the fact that I have fake accounts in my profile. 

Could you please investigate this situation and after you check please remove these items because they are not mine and obviously its error in reporting! Remove them ASAP Items are : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Complaint : I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical  documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-10-09
Company: Exeter Finance Corp.
State: WA
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:
XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account Exeter Fin XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX avenue My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX XXXX My information was used, did not allow my information to be shared, theres no open account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a XXXX XXXX credit card, issued by XXXX XXXX XXXX XXXX XXXX ( and XXXX XXXX ), due to false advertising that promised a 20 % savings for purchase upon application. Once I had applied, I was informed online that the savings would not apply to the immediate purchase. I have attempted to contact the company and XXXX XXXX by phone, using the number given to me by XXXX XXXX and was kept on hold 29 minutes before I had to end the call. This seems like an effort on the part of XXXX XXXX and XXXX XXXX to lure customers into credit card applications, then stymie their efforts to cancel their applications once they realize they have been tricked into applicatoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regarding what you said, and I quote " Please note, in order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. '' I already included this information 4 times now. But I will include it all again. As you are required to check with that company yourself requesting proof please actually do so. XXXX/XXXX, XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX XXXX (XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ). I am disputing these because they are not mine, I dont have any accounts with any of them so I can not add any account numbers. I never authorized a hard credit pull for any of these companies as my authorization is required as none of these fell under permissible purpose. I can not contact each individual company as for the same reason I can not provide you with an account number. These inquiries are fraud, and I am getting sick of you not doing your job.

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 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID and will be filing a FTC report and Police report as well!

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 2019-08-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
XXXX  XXXX XXXX has expunged the records re. my fraudulent amount owed/civil suit and still not refunded by money due, almost 10 years per my recent XXXX letter and their reponse dated XX/XX/XXXX. Incidentally the account no. is reference incorrectly as XXXX. 
Audit previously submitted to you, recent laptop spreadsheet hacked into and numbers changed via XXXX? stream laptop connection not mine. I have an XXXX. Reported to Midland Credit Management website and XXXX County Sheriff and FBI voicemail today. 

This appears to be a continuing ring around the rosey/russian roulette of escalated/debt errors not addressed, debts turned over wrongfully and change of CEO and company names. This has happened for XXXX, XXXX, XXXX XXXX XXXX and XXXX. How do they keep on getting away with this? I expect suspects are using my own financial resources to pay for taxes on my paid for home. Targets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: LEXISNEXIS
State: IL
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: Public record information inaccurate

Complaint:
I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 35 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Someone utilizing an address in New Hampshire utilized my name and social security number to open a credit card account with Bank of America,  in the credit amount of {$7500.00}. I have never lived in NH and did not open this account. Being that items were charged to the account, and never paid, this began to affect my credit. I obtained a credit report and found this unauthorized account. In XX/XX/2018, I contacted Bank of America directly, specifically the fraud division, and explained everything. I was assured everything would be taken care of. By XX/XX/XXXX, I found out this was still appearing on my credit report. I filed disputes with all three credit reporting agencies. The results of the dispute came back on XX/XX/2018 that Bank of America declined the dispute and allegedly found this to be a proper verified account. It is NOT a valid account. I never applied for this and never resided in NH, and this is now negatively affecting my credit.

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 2020-07-31
Company: Experian Information Solutions Inc.
State: ND
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 ; Experian and XXXX should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive tried on several occasions to close my Wells Fargo checking account but was unsuccessful. The company continued to charge me NSF charges. I tried to work with the bank to clear up theses fees and the refused to offer solutions. Instead the overdraft fees continued to rise until the bank closed the account and sold account to collections. I was told on several occasions I would need to speak with executive offices at the bank for assistance. They even tried on several occasions to transfer me to the department for resolution. Instead I was told they were too busy and would get a follow up call. I was told onXX/XX/XXXX someone would reach out to me. I have yet to hear anything being almost 7 days. Except for the account to be sold to a third party collections.

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 2021-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of experian with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on experian. Im trying to get rid of this account because I am currently XXXX  an overseas tour in the XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.

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 2018-08-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two accounts on my report were determined invalid previously in the amount of {$310.00} and {$310.00}. They have been reinserted illegally without written or any form of notice.

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 2021-09-20
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of XXXX  with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on XXXX. Im trying to get rid of this account because I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.

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 2019-05-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a promotional offer in the mail in XXXX from American Express and was given a credit card with a {$14000.00} spending limit. I had the credit card for 1 year and AMEX abruptly without notice reduced mt credit limit to {$7000.00} in XX/XX/XXXX. I was harassed and told to pay {$3500.00} or to submit supporting documents reflecting additional income. I was never allowed to submit these supporting documents and their credit line department closed my appeal case and denied restoring my credit increase. 
I have called AMEX over 40 times and every time I need to explain the situation and am being told that my appeal is already closed and they can not do anything. One associate told me just simply to apply for a credit increase in which I  did and was denied and given multiple reasons as to why i was denied ( the letter was generic and DID NOT specify reasons for my specific denial decision. I requested a Manuel Review and that too was denied because they were looking at information from XXXX! I have been told multiple times by AMEX employees in other countries i.e. XXXX, XXXX, that the underwriting team in the United Stated made that decisions and that that department does not nor will not speak to a consumer. 
Please help me! 
I need to restore credit limit. This has affected my life significantly. My credit score dropped nearly 100 points because of their unethical actions. By increasing my credit limit, this would allow for my credit score to go back up and allow me to buy a home for my XXXX small children and myself. AMEX has ruined my life! I was NEVER allowed to submit supporting documents. I feel bullied and emotionally have been thrown around by this credit card company and their lies of manipulation!

Company response to consumer: Closed with explanation