BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: NC
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/2018I pulled a copy of my Equifax Credit Report through XXXX. Upon reviewing it I noticed that there were several hard inquiries listed that I did not recall authorizing. Given the recent data breach issues that have taken place with both Equifax and XXXX I began to suspect that someone had obtained my personal information and attempted to apply for credit using it so I contacted Equifax to dispute these inquiries. The customer service representative I spoke with was very polite and immediately filed disputes for each of the hard inquiries I indicated I had not authorized. After filing the disputes the representative informed me that it could take up to 30 days for the disputes to be reviewed and researched so it could take up to 30 days before I would hear back about the results which I understood. As of todays date, XX/XX/2018, I still have not received any information regarding he results of my dispute. I have not received a letter in the mail, an email, or a phone call, and it has been well over 30 days. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. That fact that I have not received any further communication from the CRA regarding my disputes one can assume there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit negatively impacts my credit profile and score which in turn makes it difficult to obtain a mortgage. I am submitting this complaint due to a lack of investigation AND response to my original dispute for hard inquires that I did not authorize as this is unfair practices by a credit reporting agency with no concern for the credit worthiness of its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: MS
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 have a security freeze on my file and every time I try to life the freeze online I have no success. I cant view any of my information online. When I call every representative that I speak with is rude and always say that Im not passing my security questions. They are very dishonest people and dont offer help at all. I have yet to receive results of an investigation that is over 30 days old. And the freeze still hasnt been lifted. I first began trying to life the freeze from my report last month on XX/XX/XXXX. When the representatives that I speak with ask me when was the last activity of my freeze I give them a date range and they continue to tell me Im wrong. I know my personal information and I know the last time I attempted to remove the freeze on my file. I cant apply for any credit because of this and its really getting frustrating. I have tried to life the freeze online, through the automated system, and with the customs service representatives. STILL NO LUCK. I am never able to view my information online because the random security questions presented NEVER correspond with my file. Equifax is by far the worst credit reporting agency. Attached is two of the most recent investigations that I have file and I still done have results of these completed investigations. Also a picture of the phone call place to Equifax on today, XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it may concern, I sent a debt validation letter to Medical Data Systems Inc. and the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities 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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}

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 explanation
Consumer complaint received 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card got behind several months. This was my own responsibility, and I understand that. During that time period, Capital One contacted me in writing several times stating if I did not pay the account " will be closed '' and it would be charged off. I received several statements, all saying the card was " Restricted '' but none saying the account was CLOSED.

In early XX/XX/XXXX, I paid off the card in its entirety, with the intent of freeing up the credit line and leaving it available for emergencies. 

Capital One promptly took my money, and THEN CLOSED MY ACCOUNT. Since then, I have waited several weeks for their " escalations team '' to consider reopening the account, and was promised I would get to speak to them before a determination was made. That never happened. Today they informed me they were denying my request. On top of that, I received a bill for {$10.00} MORE after I already paid the card off completely! 

So they lied to me for months about my account status, got me to give them a huge amount of money, then closed my account. This is ludicrous and downright dishonest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ftc violation don't even have an account with them or 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 2017-11-28
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We ran into problems 2014 when my husband was laid off. Industry did away with XXXX XXXX. We tried to get a loan modification but XXXX XXXX XXXX advised us to go with an interest only Home line of credit. At the time real estate was booming so we were given a much higher loan based on the value at the time. I cant begin to explain the sequence of events that took place after that! My mother was XXXX I couldnt put the house up for sale while she was Ill. I  became XXXX unable to work and so on. XXXX promised to help but only made matters worse! I only wish I understood the importance of paying the mortgage at the time but now it is escalated beyond my capacity. Please please help us Im begging you help us save our home!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX i applied for the sba ppp loan under the care act with bank of america. on XXXX i uploaded the documents that they requested and got an approval email from them on XXXXThe loan is based on your average monthly payroll. it states on their application that new businesses should use their payroll from XXXX ( my business was only open for 6 months in XXXX ) so that's what i did and applied for {$57000.00} ( my payroll was {$22000.00} on average ) I indicated on the application that this is for XXXX and that i also attached the requested form for XXXX in case they want to go with the XXXX. i XXXX   2 locations one in XXXX  and one in XXXX  so i have 2 adp  accounts so i sent them XXXX XXXX forms ( one for each state for each year ) whoever processed the application only look at one form for XXXX and divided it by 12 months and got me approved for {$5000.00} instead of the {$57000.00} and now i cant accept the loan becasue on of the terms is that you'll hire back all of your full time employees and i cant do that with just $ XXXX.My location in XXXX  is inside XXXX XXXX   the military base serving military personnel and we've been losing money for the last month and a half and i had to cut all my employees hours. We were counting on this loan to keep our doors open and keep paying our employees.on on XXXX i called bank of America and waited 2 hours and XXXX minutes on the line just for the rep to tell me there's nothing she can do and there's no one you can talk to regarding their mistake.on XXXX i went into the bank of America XXXX branch and they didn't want to help me as well and just said they'll send an email to someone from their business department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Specialized Loan Servicing Holdings LLC
State: IN
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:
On XX/XX/XXXX, Specialized Loan Servicing  Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my XXXX  Credit file and my account status with SLS as of today ( XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: First Consumers Financial LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Consumers Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Concord Servicing Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Our family went on a one week vacation to an XXXX XXXX at the end of XX/XX/2018. We were offered a presentation to join the XXXX XXXX and given a list of many benefits and ultimately joined the membership on XX/XX/2018, paying a deposit of {$2700.00} with expected monthly payments of about {$200.00} for 24 months. Upon our return home we reviewed the documents regarding the membership and realized the language in the contract was vague and not consistent with the information provided to us during the presentation nor with the initial documents we reviewed. I also attempted to log into their website and was unable to. In the process I discovered a consumer website with disgruntled customers stating the benefits of the club are a scam. I reviewed the XXXX and realized their rating is an XXXX I immediately contacted the XXXX XXXX XXXX XXXX on XXXX XXXX and requested cancellation. I was told the benefits were accurate but the contract merely doesn't read that way and to rest assured it was a good program. I insisted to cancel and was asked to write an official request and email it to their member services department. I did this on XX/XX/XXXX. I also contacted my bank on XX/XX/XXXX and filed a claim. In the interim I was contacted by a person from the XXXX, XXXX XXXX, and he continued to ask me to remain a member, stated I was unable to cancel past five days of signing the contract, and no new contract was offered. I continued to express my concerns though several emails and he continued to state I was unable to cancel. My bank has now informed me that my claim is valid and my deposit monies were returned to my credit card. I emailed XXXX XXXX again and again requested cancellation based on my banks determination of my claim and no use of services. He has not responded but I am now getting letters from XXXX, a debt collector. I attempted to call XXXX on XX/XX/XXXX but they stated they needed to verify multiple pieces of personal information before they could discuss the issue at any level. I was not comfortable disclosing the information requested as I don't know this company and I have not dealt with debt collectors before. I gave them my name, address and account number listed on their letter to me and they said they still could not use that information to verify me. The call was ended as they insisted on getting additional information prior to discussing the matter. The letter from XXXX states non-payment may result in garnishment of social security, veterans  pay, wages/salary, and credit bureau reporting as they are a collections company. I would like to clarify how this company is sending me to collections for an account I repeatedly have requested closed and my bank has agreed is not a valid charge.

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 2019-04-25
Company: Commonwealth Financial Systems, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a letter from Commonwealth Financial Systems , Inc. dated XX/XX/XXXX attempting to collect on a debt with CFSI account # XXXX ( original account # XXXX XXXX ) for {$1800.00}. I quickly sent a letter via certified mail which was delivered on XX/XX/XXXX with USPS tracking number XXXX saying I believed this debt was not mine and requesting proof of the debt. I specified that under the FDCPA, they had 30 days to comply, and that I expected this debt to be deleted from my credit reports if they didn't. It was completely removed from my credit reports, so I believed them to have fixed their errors. However, this month, I received another letter from them dated XX/XX/XXXX attempting to collect on the same debt, except this time it is under CFSI account # XXXX. It is clear that this company refused to follow federal debt collection laws and is simply attempting to collect once again on an illegitimate debt under a different account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my IRA cd on XX/XX/17 with M & T Bank and opened a rollover account with XXXX XXXX XXXX XXXX. I was charged a fee of {$160.00} and it was taken out of the check I deposited in XXXX XXXX. The officer at the new bank said that because I was over XXXX XXXX I am able to close the account without paying a fee. I sent a letter to the CEO and have not received any reply. PLEASE HELP.!!!! {$160.00} is a lot of money when your only income is from SS and the IRA.

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 2020-05-04
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with  XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Their investigation did not fix an error on your report

Complaint:
My personal information was compromised and used by someone else to open accounts without my knowledge. I have previously informed the bureaus and the CFPB of this matter. However, it seems Experian and XXXX are still reporting the following fraudulent items on my credit reports : EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX   XXXX Acct # XXXX XXXX  FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX FRAUDULENT INQUIRIES AN XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These do not belong to me. They are fraudulent accounts and should be removed from my credit reports.

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 2017-11-28
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went into a XXXX location in North Carolina the day that they released a store credit card ( 2014 I believe ) and was told I wouldnt have to make a payment on the card for 6 months by the sales associate if I put my purchase on the card, I could take my time to pay it back and plus I received an extra 10 % discount for using it. The card was through XXXX XXXX. I made an initial purchase of about {$70.00} on the card and thought I had plenty of time to pay it back. I received no notices from comenity regarding missed payments until I owed over {$100.00} in late fees. To sum up the story, I ended up paying nearly {$500.00} for a {$70.00} purchase and took an enormous hit on my credit score. XXXX XXXX uses predatory methods to get credit card applications and their contact methods are shady at best. It is ridiculous to receive over 75 phone calls from blocked numbers in one weekend. I never have and never will answer a call from a  blocked number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
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:
What happened was that my phone was stolen and someone has been transferring money using my mobile app. He did {$1000.00} and {$1400.00} on XX/XX/XXXX, two {$2500.00} on XX/XX/XXXX, and two {$1000.00} on XXXX XXXX were transferred to an account that I do not know. However, I have received none email notifications about adding someone new to my XXXX account 's contact or sending the money. The only email that I got was from XX/XX/XXXX at XXXX about sending {$2500.00}. In addition to that, I have not received any text message verifying any of the transactions. 
I went to Bank of America on XX/XX/XXXX to freeze the account and to file a fraud claim. The claim number is XXXX-XXXX, issued on XX/XX/XXXX and closed on XX/XX/XXXX. I got the result back - a letter saying that upon their research, they have determined that they are unable to honor the claim because they think that I gave authorization to whom transferred the money. I here claim that I did not authorize anyone to access my bank account, the money was stolen from me And I did not receive any email or text messages for the earlier transfers out of my account from Bank of America for the illegal transfers. I feel this slack on part of Bank of America made me lose the money from my account.

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