BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX Acct # XXXX by XXXX XXXX XXXX ending in XXXX I have been contacted hundreds time illegally for the attempted collection of debt by XXXX XXXX XXXX they have no authority to recover debts in the state California by law 20 U.S.C 1234e I demand a cease and desist against XXXX XXXX XXXX also under 15 U.S.C 1681 Section 604A I have a right to privacy and with my credit report being with a third party agency my consumer credit rights have been violated again. I demand this error be deleted immediately

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 2021-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text message from a number saying that there was an attempted fraud on my account and asked me to authorize this transaction to which I said no. I then received a call asking to verify a few things on my account and to send the money to a new account to close the current one that was compromised. After sending this money to my own phone number the person on the phone hung up and more than {$3000.00} was taken out of my account and XX/XX/XXXXto a random person.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I mailed in the request form to Experian ( credit company ) ask them to lift XXXX  military alert and initial alert because I am applying to refinance my mortgage. The bank is unable to pull my credit file because of XXXX military alert and initial alert. I sent the request through USPS express mail, and it was deliver USPS Tracking Tracking Number : XXXX Scheduled Delivery by XXXX  XX/XX/2021 by XXXX Status Delivered, Left with Individual XX/XX/2021 at XXXXXXXX XXXX  XXXX XXXX TX XXXX It has been 9 nine days, but nothing has been done. I would appreciated if someone can contact Experian and had them remove the XXXX military alert and initial alert for me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Exodus Movement, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Exodus- I transferred {$2500.00} on XX/XX/23 at XXXX XXXX. When I went back to retrieve money, someone had stolen from my account. They assigned a special security number that was written down. So how is this possible?? 

On XX/XX/23 at XXXX XXXX, from my secured account, someone purchased Bitcoin in the amount of {$500.00} and another transaction on XX/XX/23 at XXXX XXXX, in the amount of {$1800.00}. 

On XX/XX/23, they sold Bitcoin {$1400.00} at XXXX XXXX, and XX/XX/23 sold Bitcoin for {$900.00} at XXXX XXXX. 

All my funds disappeared.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-10-05
Company: Data Mortgage Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My account is on a XXXX plan. I called and set up XXXX automatic payments in advance. I do not see where payment was taken out of my account. Called to speak with someone about the status of the XXXX withdrawal for the last XXXX days. Loan was also sold from Essex mortgage to Essex mortgage?? Originally, The customer service numbers would not allow me to leave a message, it stated I would have to call back. More recently it is requesting I leave my number and someone will call back. No one has called back. I am also getting XXXX notices when I am paying the payment plan as agreed. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting 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 don't recognize the inquiries so I couldn't explain, I just know their causing damages to my credit worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank account of 8 years was compromised/hacked on XX/XX/ while I was on business in a different city I didnt notice this was happening until I had came back home and seen my account was used to deposit fraudulent checks and transfer money to random people Ive never transferred money to before the total amount that was deducted from my account was a total of {$2800.00}. I proceeded to call Huntington Bank and their fraud department and let them know what has happened and that all I could do was open a new bank account and wait while they investigate what happened. They proceeded to say the transactions were valid and I now have to pay that amount out of my pocket. I continue to press them and inform them that these transactions were not authorized by me and needs to be fixed. It is now nearly a month later and I have yet to hear a response regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 attempting to purchase a vehicle through XXXX XXXX in XXXX, Maryland ( XXXX XXXX ), and my credit was run multiple times resulting in a lower score. My credit was run on XX/XX/21, and I was given finance options, final numbers, and entered into a verbal agreement with a {$500.00} deposit on XX/XX/21 ( credit card statement attached ). When I arrived at the dealer to pickup the vehicle on XX/XX/21, my credit was run again for no reason and with no notice given to me ( I realized a week later when I checked my report ). I have since applied for another vehicle loan for a secondary vehicle, and I may not have gotten the best rate possible due to this error.

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 2023-09-30
Company: TransferWise Ltd
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business account with Wise, since before the name change from TransferWise. I represent a nonprofit org ( XXXX ) and have used them for years to receive donations and reimburse volunteers on out of pocket expenses. 

Without warning, 3 days ago, Wise sent me an email stating I was deactivated : Weve deactivated your whole Wise account. We've also cancelled any pending transfers and refunded them to their origin. 

Learn how long refunds take. 

The reason behind our decision is because your activities exceed our risk tolerance. Please refer to section 1.2 of our Acceptable Use Policy, which states that we reserve our right to deny our services to any customers who exceed our risk tolerance. Just because we cant offer you our services going forward doesnt mean that we think your business activities are illegal or illegitimate it just means that we dont support those types of activities. 

I appealed it, and they said they will keep the account closed. I got no other information why. 

So now they have all the org 's money, so I asked for an ETA when they could send me back my money, and provided the same bank account info that was in the Wise account again in the Appeal form. 

They linked me XXXX XXXX XXXXXXXX, which says ACH transfers such as mine can take up to 60 days. 

I have reached out to them via XXXX in hopes it would be a helpful discourse, and learned many others didn't get their money for far longer than this. 

I am still trying to work with them, but its frustrating because they give me bad links and advice ( telling me to go enter the info in the appeal form, telling me the 'self service ' was cancelled, all sorts of things ) and I have no idea how my org will operate with no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 paid a charge off I had with USAA on my credit report through their third party collection agency XXXX. The payment was made in XX/XX/2018. I was told that the information would be updated to USAA within 10 days after I paid. Also, I was told that I would have to contact USAA for any future information on the status of the charge off. When I called USAA for a status update, I was told that no one is allowed to speak with their credit reporting department. The representative told me the only action I could take was to fill out their consumer report dispute form. After filling out the form and mailing it to USAA, the next month I called back to get an update on the dispute form. I was then told again by another representative that they could not give me any information, and to again fill out the consumer report dispute form. I still have yet to hear from USAA on the status of the dispute form I sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO THIS COMPANY AND THEY ARE HARASSING ME CLAIMING THAT I HAVE A NEGATIVE ACCOUNT WITH THEM WHICH I DO NOT! REMOVE THESE COLLECTIONS FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY AND CEASE ALL COMMUNICATION VIA PHONE AND MAIL. THEY ARE IN VIOLATION OF MY HIPPA AND CIVIL RIGHTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Subj : COVID-19 Financial Difficulty - Forbearance Request. 

On XX/XX/XXXX, I notified ( via USPS Certified Mail ), the lender, USAA, that I was experiencing a financial hardship due to COVID-19 and would not be able to make payments on my Home Equity Line of Credit. I requested a forbearance for a period of 6 months. At the time of my request, my Home Equity Line of Credit was current. In my letter, I agreed that the account would be restricted from further line of credit draws while in forbearance. I have emailed ( thru the member portal ) and called the number listed on their website ( XXXX ) for members to call if they were experiences financial hardships. I was transferred to several departments with no resolution. Now USAA is threatening to report delinquencies to the credit bureau and has not responded to my forbearance requests. It is shameful how poorly USAA treats Veterans who they direct their marketing as supporting. I have been a member of USAA since the events of XX/XX/XXXX and have excellent credit. Thank you for assisting in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 got an offer in the mail for a pre-approval from capital one, when I went online and filled everything out it was an error in the system that caused the page to go down. When I called in to try to get same offer the original offer was tweaked and different from in mail. I explained that to customer service on XX/XX/2023 and I was hung up on but before that I was called XXXX and told I'll never have a good credit score in life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Was not notified of investigation status or results

Complaint:
Please correct/remove the late payment in XX/XX/2019 for 30 days. I don't recall being late on this date because I was checking my bank account and noticed that the money was always drafted from my account religiously and it's impossible to be even a week late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Resurgent Capital Services L.P.
State: PA
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:
Resurgent Capital Services and XXXX XXXX XXXX is reporting to all 3 major credit bureaus on a previous account that has already been written off and claimed as income by XXXX XXXX. They have also violated The Privacy Act of 1974 and The Fair Credit Reporting Act ( FCRA ) of 1970 and this is now affecting my credit. They have violated 15 U.S. Code 1681 ( Permissible purposes ) .I have not given any consent to them to report to the bureaus which is negatively affecting my credit report. I will be filing a Ftc complaint if this is not removed i have not consented to them sharing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-10-18
Company: National Student Debt Advisory Corp.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I get a call XXXX times a day about student loan, I have no student loans I told them, they said they will call everyday until I pay but they do n't know my name. Phone number calling from is XXXX. We got in a heated argument I told them I will get a lawyer take me off the list. The lady said she will call everyday.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment on various occasions during month of XXXX. I was under the impression that after I made the first payment for the month of XXXX Id be able to apply the subsequent payment for XXXX. However this payment wasn't applied by Amex and I got an exaggerated late fee for XXXX. I never have issues with them and they always respond quickly and take off my late fee. I spoke to an agent in XXXX through the chat and this time they said I had a history and wouldn't wave the predatory fee. I asked to speak to a supervisor and they refused until I repeated myself 3 times. In adition they also charge the annual fee upfront instead of breaking it down into comprehensive monthly payments. I get charged {$100.00} dollars aka 10 % of my XXXX credit limit a year. This is in addition to the 26 % Then someone comes on the chat and states they are supervisor but I have no proof of this. They said in aq patronizing tone that " I shouldnt have a credit card if i dont understand fees. And the agent reitarated that They wont remove it even if the XXXX president tells them to. This is a predatory charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.

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 2021-12-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND A CONSUMER. I have done several disputes with Equifax with regards to the following accounts : XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX. These transactions should be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ( b ) ). I am demanding that Equifax removes these transactions from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41. They are also in violation of federal law 15 U.S.C. 1681b ( 2 ). I never gave them written instructions to reflect any of these accounts to my consumer report. With that being said, it is identity theft. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Equifax received all documents and supporting evidence of my complaint through the mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation