BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This company is enabling fraudulent activity into my credit file. I called and spoke with multiple reps who refuse to remove this information. They are stating to me that I need to reach out to each company. That is not what is stated in the fair credit reporting act. Section 611 states that upon a consumer notifying the bureau of inaccurate or false information the company must conduct a reasonable investigation. It does not put the burden on the consumer. I let Equifax know about these unauthorized inquiries on my credit report from XXXX XXXX XX/XX/2020 I do not shop there, XXXX XXXX XX/XX/2020 never heard of them before, and XXXX XXXX is reporting twice on XX/XX/2020 dont know who they are either. They refuse to show me information stating that I gave authorization for these inquiries some of the reps are telling me that there is no inquiries reporting which is a lie because I called back and spoke with another rep who confirmed its presence. As I stated this company is enabling fraudulent activity into consumers information and that is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX Balance : {$8900.00} XXXX XXXX Balance : {$12000.00}

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 2017-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. XXXX XXXX Bank of America purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. XXXX XXXX Bank of America has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. 
S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. 
( The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''

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 2017-11-01
Company: I.C. System, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
IC systems has been repeatedly calling my phone number provided in previous questions and have informed me of having a file placed with them by a health provider and have asked me to confirm my information, they then give me a partial address and ask if this is correct, I ask what it is regarding and they refuse to answer my questions, they then kept pushing for my personal information such as social security number- I do not give it until I can verify what IC systems is calling about- they then repeat that they wont discuss the " file '' until I provide personal information, I then ask what exactly it is regarding and that I will not volunteer that information until I am provided a reason for their call, they then hang up on me and will not answer my questions. This feels like an absolute scam in refusing to discuss the reason for their call until I provide personal information. They say the file originated from a health care provider, however we have no outstanding balances anywhere.

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 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: WV
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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and negatively impacting my credit score. This information is not information relating to any transaction by 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 non-monetary relief
Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: MA
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 is someone else on my credit score. This is the second time that this has happened. Equifax customer service is garbage and is not able to help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an Email from XXXX directly in XX/XX/XXXX, addressed to my name and one of my XXXX card, about the promotional offer that I can earn {$25.00} per card if I add an authorized user and charge $ XXXX spending on that card, and the offer is up to 4 cards ( up to {$100.00} in total bonus ). 

I followed the rules, and added 4 additional cards, met the spending requirements. I got two additional Email from XXXX about the same offer in XXXX and XX/XX/XXXX. In the last Email, XXXX stated that they were experiencing some website outage related to this offer, extended this offer expiration date to XX/XX/XXXX. 

I have waited several months, but still not got the bonus rewards as advertised. I contacted XXXX customer service, but theirs investigation said I personally declined the offer, which is so ridiculous. As I double checked the offer Email carefully, there is no option to decline an offer. The only link within the offer Email is to participate the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Stellar Recovery, Inc.
State: FL
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:
This is a complaint against STELLAR RECOVERY INC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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:
I am a victim of identity theft and I did not authorize these inquiry requests.

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 2022-03-11
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After instructing the company on how they CAN contact me ( via email or mail ), they have continuously called my cell and WORK phone. I specifically told them not to call either. 

Received calls at work on XX/XX/22 and XX/XX/22. 

Received calls on my cell XX/XX/22 and XX/XX/22. On XX/XX/22, they called my phone FIVE times in a row when I didn't answer at XXXX XXXX and from a number that did not identify them ( XXXX - a number that is registered to a cell phone in XXXX, AL ). 

I recognize I owe them money and always pay my debts. The payments may be late, but they are always paid. However, I can not have calls at work and they harass my cell, so I have told them not to contact me in that way and gave them ways to contact me- using the sample letter on CFPB 's website. Prior to sending the letter, they were attempting to contacting me every day, several times a day. Letter is attached.

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 2017-11-01
Company: EQUIFAX, INC.
State: VA
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:
Equifax Dispute Issue I contacted Equifax about a collection posted to my credit report in XXXX 2017 and submitted a dispute over the phone with them, confirming that my date of birth, social security number, and name was correct in their system. 15 days later I called to check the status of the dispute and found out the collections agency, XXXX XXXX had the correct person. As this was fraud and not an account of mine I submitted a re investigation in XXXX  2017. It was still found to be an account of mine, which was not, as the birthday and social security numbers were not the same, so I submitted a third re-investigation. By this time I was fed up with Equifax and their lack of looking at the details in seeing that the information did not add up so I called XXXX XXXX myself and they said that the account was indeed not mine. The fact that Equifax still decided the account was in my name and deserved to be on my credit report shows the complete incompetence of the company. The investigation process used by Equifax is ridiculous as they must not investigate much into disputes as I was able to figure out more information than they were. This makes me wonder how many more have been subject to this company 's ignorance and why nothing has been done by the consumer financial protection bureau to fix these issues and Equifax 's lack of professionalism. It took me investigating and days of contacting the company and equifax to fix this issue that was all due to Equifax 's incorrect reporting. How does a CRA validate submitting a collection with different social security numbers and birth dates to someone 's account and how come the CFPB is not holding them accountable for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was not informed the payment was due. I was in XXXX Texas at the time dealing with a natural disaster hurricane disaster flood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They called my sister and brothers cell phones, then called my parents house. I returned the call to see what it was about, I then told them I was signed up through XXXX XXXX XXXX and this debt was with them and I have been making monthly payments. XXXX then began irate and told me she would contact the sheriff and tell everyone in town about my debt. I then asked her not to call anyone else in my family. I also told her I had signed up with a debt consolidation company and offered their number for her to contact them, that is what they asked I do with creditors. she refused to take the number and told me I need to learn how to pay my bills. well today, she called my old employer and told the administrator that I had debt owed and she needed to have my wages garnished, my old employer sent me a text and gave me the phone number, I called XXXX and told her again I was with the Debt program, and she called me a liar, and again I asked for a fax number to send proof and asked her not to call my old employer again, she said I have a court date for XX/XX/XXXX, which is tomorrow, and I know nothing about that and told her that, she said we are coming to your job tomorrow. the number they are calling from is XXXX XXXX XXXX please help me with this situation. it is my fault my debt got the way it did, however, I am paying a company to help me get it all settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Foris DAX, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is on crypto.com I have money on there for buying crypto currency and I want to withdraw. I had a bank account there was with XXXX XXXX. They are telling me that XXXX XXXX filed the dispute against me so I can not withdraw my money and I have to show them proof of a dispute cancellation letter. I spoke to XXXX XXXX a couple times and they told me there's no such thing they can not give me a dispute cancellation letter because I didn't file against crypto.com. this is been going back and forth with crypto for months now at least 3 months. I was finally allowed to change my bank account to a stride bank which is chime so I was just recently allowed to put another {$20.00} on there through my chime account and they're still telling me that there's a dispute letter cancellation I need to come up with because they're fired somebody has filed a dispute against them for transactions they are lying son of a guns I want my money back I want to be able to withdraw my money I have over {$300.00} on there and they won't allow me to touch it this is just wrong I wanted to snapshot a conversations but I'm unable to do that. I am money sure how I'm supposed to get these chats to you my email is XXXX What can I possibly do about this and how can you help me please I want my money back and I want to close this because they are full of it they're Liars and they're just trying to hold onto my money and that's just wrong I don't even know the word for it but it's wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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: Company closed your account

Complaint:
Complaint Capital One Credit Card What is this complaint about? Charged off account XXXX for missed payment, I told them that I could not make payment on time because of Hurricane Irma, I live in Florida. 
What type of problem are you having? I paid my bill for XXXX XXXX, I was told by Capital one that XXXX account could not go 180 days past due without payment, so I made a payment on XXXX XXXX. I received an email stating making a payment of {$88.00} to keep your account from charged off, so I paid {$90.00}. Copy attached to this complaint. 
What Happened? Capital one Charged account off, stated that the reason the account charged off was because there was not activity, or payments made in 180 days. 
What company is this complaint about? Capital One Credit Card Who are the people involved? Capital One Credit Card Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: MA
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:
Experian refused to erase the late payment stated on my reports. 

XXXX XXXX XXXX has sent me written statements requesting the bureau to back date everything to XXXX of 2020 because of XXXX error. 

XXXX sent me an XXXX # of a document they had sent to Experian to fix the error they made. 

Experian told me XXXX verified I had late payment but I didnt. I have statement from XXXX  saying they messed up. 

Why wont Experian fix this.

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 2022-03-11
Company: EQUIFAX, 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:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Movement Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 'Homestyle ' renovation loan with Movement mortgage. I've been trying to access my loan funds since XX/XX/XXXX. That's when my contractor submitted a draw request for {$28000.00}. We've been waiting for an appraiser to come out and validate the work done on our kitchen ever since but that still hasn't happened. After multiple requests. 

In a recent email they said " Evidently we are having a difficult time getting an appraiser out to your property. The original appraiser declined our request for the re-inspection and we are now searching for another appraiser. '' I understand that might be the case for a week or two but it has been MONTHS of waiting to get our loan funds. This is unacceptable. 

thanks, XXXX

Company response to consumer: Closed with explanation