BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2021 I applied for a Bank of America cash rewards credit card. I applied once and the credit card was approved for XXXX USD. However they pulled my credit score more than once and I noticed that I have 3 hard inquiries the same date from the same bank dropping my credit score a lot. 

I tried calling and discussing with bank of America without success Please help

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 2019-03-25
Company: EQUIFAX, INC.
State: TN
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:
Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Card was reported as having fraudulent charges and notified the card holder. Was advised to destroy the card and new card sent out. Was advised to obtain a police report which was later obtained. When first reported I was advised to get a police report. Called the police out and tried to do the report online. Was advised that I would need to come to the station to file the report. Obtained the police report stating the amount and dates in question - case # XXXX, provide a copy of my driver 's license as requested. After some time I contacted the creditor and was advised that I needed to file a complaint with the State Attorney 's Office. Contacted the State of Texas police department which advised that the card holder would have to file fraud charges. Notified the card holder and was advised that I would have to file the complaint - meaning I would have to conduct the investigation on the fraud. Nothing within the contract states that upon fraud charges that as a consumer that I would be liable for the charges and/or the investigation. No investigation was conducted by the card holder. I advised the card holder that I would pay out my balance that I owed, less the fraud charges. The charges was even verified by the card holder that the transactions occurred in the state of Florida by manual key. I advised the card holder that during the time of the transaction I was in fact in the State of Texas and around the same time used the card at a car wash in Texas. The card holder a few day after notifying the card holder of the unauthorized charges that it was verified that the charges occurred in Florida by manual key input. This and was advised that it would be taken care of. The amount that was in dispute was {$580.00}.

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 2019-06-25
Company: Experian Information Solutions Inc.
State: SC
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:
From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.

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 2018-11-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a couple of accounts reporting by Experian, since XX/XX/2018 which were the first round of certified mail, then in XX/XX/2018 was the second round of certified mail. XX/XX/XXXX, I received a return to sender and sent a copy of that mail to Experian. Experian has not investigated the matter and keep sending mail that the account has been updated. On XX/XX/2018 I sent out my 3rd round of certified and I have received the same updated response. They also refused to reverse the findings, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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 reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

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 XXXXXXXX XXXX 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 2019-06-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
midland funding stating I must call them to resolve debt even after the SOL has passed for PA! looking over their website, credit report the information they are stating is WRONG! attached photos. they are saying on their website they will STOP reporting after 2 years -- its been over 2 years and they are still reporting. the main creditor has removed themselves from credit reports. midland is lying ( prev complaints ), PER credit report they will fall off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TransferWise Ltd
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Thursday, XX/XX/XXXX a client attempted to pay my company {$4000.00} via XXXX for services and an error message came back We can not currently accept payments to this recipient. 
XXXX couldnt or wouldnt tell me what the error was, so I accepted money from this client a different way but then transferred the money from that payment method into my companys XXXX account. 
I transferred {$5000.00} on XX/XX/XXXX to my companys XXXX XXXX  account from another method my company accepts payment. This transaction was simply a transfer between company accounts. 
On XX/XX/XXXX, I attempted to transfer {$150.00} to a member of my company. When I initiated that transfer, an error message popped up : " We can not currently accept payments to this recipient. '' The same message my client had gotten a week earlier. I tried to send the money to myself, a XXXX of the company. Same error message. 
The member of my company contacted XXXX support team. My business partner told me XXXX wouldnt talk to him, so I talked to Wises support team myself via phone on Monday XX/XX/XXXX about my issues with my XXXX account. They said they would email me a response about my issues within 2 business days. 
On XX/XX/XXXX, more than 2 days of waiting for XXXX response, I tried to login to my wise account on a mobile device. I couldnt. I tried again and I was prevented from logging in again. 
I attempted to login from a laptop on XX/XX/XXXX and an error message popped up when I tried to login to my account : Sorry, we deactivated your account. Read more in our Help Centre. 
Their help center was unhelpful as it stated that they cant tell me why they decided to shut down my account. 
I submitted an appeal to XXXX through the form online and gave them the details of one of my bank accounts to transfer the XXXX XXXX XXXX that I had between my XXXX accounts in the case they didnt accept my appeal. 
My business partner told me on XX/XX/XXXX that XXXX had closed two other company bank accounts we held with XXXX. We now had even more money that was being held XXXX by XXXX. 
On XX/XX/XXXX XXXX emailed me about my appeal. Weve decided to keep your account closed. And Weve checked the info that you sent us and we wont be able to send you the refund. They werent going to send me the {$5100.00} of company revenue in the account they closed. 
I emailed 3 of their support emails ( XXXX ; XXXX ; XXXX ) with a quote from their Customer agreement and stating that if I didnt hear back from support within 72 hours I would initiate legal action because its illegal for a money transmitter to steal money from their clients. 
XXXX has not contacted me via email since their appeal decision on XX/XX/XXXX. 
I want the {$5100.00} that XXXX stole from my company returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Midwest Recovery Systems
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:
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as XXXX XXXX and Midwest Recovery, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX  of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, 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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: TX
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:
FIRST I SPOKE WITH EXPERIAN ACTUAL DISAPPOINTED IN THIER PROCESS TO UPDATE INCCORRECT INFORMATION ON MY PROFILE SPOKE TO LADY IN FRAUD SHE CLAIM I DID NOT SEND RIGHT FORMS WHICH IS NOT TRUE BECAUSE THEY WHERE IN FACT THE RIGHT FORM TO ADDRESS THE THINGS REPORTING INCCORRECTLY ON MY REPORT.EXPERIAN SEEMS TO NOT BE FIMILAR WITH LAW IN REGARDS OF PROTECTING COSUMER RIGHTS ( XXXX ) I -- -INSTEAD OF TAKING TIME TO RUIN MY REPUTATION 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

XXXX STILL PROVIDING GENERIC INFORMATION IN REGAURDS TO INCORRECT INQUIRIES ON MY PROFILE... THE INQUIRES ONLY REPORT ON THERE REPORT ADVISE MY FORMS WAS APPROVE BUT NO FORMAL MOVEMENT IN REMOVING ITEMS THAT I ADVISE WERE INCORRECT ON MY FILE. XXXX ALSO SEEMS TO LACK FCRA KNOWLEGDE AND RIGHT THAT PROTECT CONSUMER FROM BOGUS REPORTING AND INVESTIGATION PROCESS IN BAD INFORMATION ON CONSUMER REPORT ( XXXX ) I 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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 value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi To whom it may concern I gave my debit card to my mom to deposit XXXX dollars into my checking account of capital one 360 bank She deposit XXXX dollars first and got the receipt Then she insert XXXX dollars into atm and atm took money inside and didnt count or gave any receipts or didnt show any error. 
I called the bank to file a claim And next day i went back to bank branch and it was temporary closed due to covid19 It is still closed at of it now after 40 days. 
They returned XXXX temporary but took it back saying there is no record of you depositing Money into atm and you dont have any receipts to substantiate your claim I dont know what to do as the bank saying our investigation is closed and we cant open the investigation again There are cameras inside the bank and the first receipt of deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Caliber Home Loans, Inc.
State: AL
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:
XXXX XXXX a loan was taken with XXXX.then went to XXXX In XXXX the loan was transferred to XXXX. In XXXX I lost my husband who was a veteran that is when I noticed my payments had not been applied. A XXXX XXXX rep stated that payable on death benefits had been applied insurance for the home no debt was owed. Then 6 months later XXXX came in play with new account numbers and new loan. I have never had a account with XXXX or ever gave consent to contract with them. XX/XX/XXXX caliber came in to play stated they foreclosed on my home. I have never had a contract with Caliber or XXXX. XXXX of XXXX XXXX XXXX enter my home changed the locks and put my items to the curb. i checked the county records and states now that XXXX XXXX XXXX   XXXX XXXX is the owner of my home I have had for 12 years. I would like to the the note, contract and Power of attorney gave them the right to do this to myself and my children. They put us on the streets, I was never compensated of any of the hard work and labor we put in to our homestead. A declaration of homestead was filed in the county also also asking for XXXX I also alerted the sheriff. All these entities have harmed and hurt my daughters and I. XXXX XXXX reality have my home up for sale. They were caught 2 years ago lying and stated XXXX foreclosed and I provided proof from XXXX admitting they never foreclosed. Was this not turned into investment why was I never compensated? Caliber sent a 1099 A to the IRS that I had income of this home of XXXX. How was this income they took my home and though me to the street and XXXX daughters. What is happening in America today is unjust and stealing homes some thing needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: CO
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 credit freeze for Equifax I put on a long time ago. 
I wish to unfreeze my information to get a loan for a house we are purchasing. 
Since freezing, my phone number and address may have changed I tried using the web site to unfreeze my account and, after putting in all my information, I get a reply " Sorry we can't help you ''. ... no more information to give me a clue as to what the issue is. I tried this several times even using old phone numbers and addresses. 
The page gives me a phone number to call. 
I've called the number and have been on hold for DAYS! ( no  exaggeration ). 
I did get a real person twice and, after giving them my correct information they said they couldn't help me. I asked why and they said what I told them did't match their records. I asked for a manager and they said they couldn't help me. 

Twice I've sent a snail mail to the address indicated on their web site. I included all the information they asked for. 
I received one letter with a code for their web site and it did not work. 
It's been several weeks since sending the last letter and I haven't received any acknowledgement. 

If I can't unfreeze my account I can't get my loan. Equifax has denied me getting my home. 
I am beyond frustration regarding this. I really can't believe someone's life can be XXXX  up so much just because of the incompetence of a company that holds their personal information. I appreciate and acknowledge the security issues but this is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: MS
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation