BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: Grant & Weber
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There were two accounts with XXXX XXXX XXXX XXXX - first account # XXXX, second account # XXXX. Settled in Full with Grant & Weber on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to Grant & Weber. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled.

I called three times to Grant & Weber to find out when will it be  reported back to XXXX XXXX XXXX XXXX as it has been over a month.

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 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: NH
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:
An inquiry appeared on my Equifax report on XX/XX/2018. The inquiry was from XXXX XXXX. I did not apply for anything from XXXX. I called XXXX XXXX on XX/XX/2018 at which time they said the inquiry never happened. I filed a dispute with Equifax which was denied. I again called XXXX XXXX. This time they stated the on XX/XX/XXXX the inquiry was flagged as fraudulent. XXXX said they would notify Equifax to have this item removed. I again filed a dispute with Equifax which was again denied. I have trouble believing Equifax actually did any investigation. XXXX confirms that they did indeed contact Equifax about the fraud. I did not give Equifax permission to compile and store my personal information in the first place. I would at least expect them to not to be careless with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I made a wire transfer for US {$2500.00} through Bank of America from my BOA checking account. I was also charged with a fee of {$45.00} to make the transfer.The money was intended to be sent to my nephew in XXXX for family support. He never received the money, once I was notified within couple of weeks that the recipient did not receive the money '' I immediately went to the local branch where I made the transaction and informed them of the situation. The bank made a recall and did not get the money back to my account. It's been more than a year and three months : bank has not still resolve the situation and provide me with any answer. They have been very negligent and seem they don't care. At one point, one of the manager told me that I may never receive the money back which I could not believe that any bank officer would say something like that. I went to the bank dozens of times over and over again, called their wire transfer department, called the intermediary bank and nobody knows where did the money go. I definitely need some serious help to get my money back and any assistance would be greatly appreciated.

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 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX reported two new accounts on my credit visible on my transunion credit report based on collections from original creditor of XXXX XXXX  XXXX. I have not had any services or contact with XXXX XXXX XXXX since XXXX. This account is not new nor is it newly delinquent. This is XXXX reporting from the company for both amounts of {$3300.00} and {$1100.00}. Additionally it does no comply with reporting standards, six year statue for Massachusetts nor the 7 year reporting status for credit. I have worked hard to resolve my credit history and to make progress and for a company to behave in a such an unethical way by posting a delinquent account over eight years later as new is despicable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I hope this message finds you well. 

Enhanced Resource Centers have been unwilling to provide any Account Verification details with me whatsoever. 

I had sent them a Certified Mail Debt Validation Request, and the address that is on file for them on my XXXX  Credit Report, and the address that the representative I had spoken to provided me with is the address which I sent the correspondence to. The correspondence was returned to my address with a statement from USPS stating that this parcel was not deliverable as addressed and it was unable to get forwarded either. This is deeply concerning to me. As not only they refused to provided additional details, the address on file for them on all of the platforms is incorrect. 

Please see the attached files for all of the proof that I have with this statement. 

Furthermore, after speaking with them on the phone they would not give me any details other than what is inaccurately listed on my XXXX   Credit Report. 

Please help me, as this derogatory remark on my Credit Report is causing tremendous stress and making me lose out on several career opportunities due to the nature of my field as a XXXX. I am hoping that the evidence I have provided is sufficient to close this account and remove this derogatory remark from my credit report. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: IL
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:
I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last two years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother. I recently tried to purchase a home for my family and was denied. I than reviewed my own credit report and seen a lot of unauthorized credit inquires on my credit report that i did not authorize

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 2019-07-04
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother. I recently tried to purchase a home for my family and was denied. I than reviewed my own credit report and seen a lot of unauthorized credit inquires on my credit report that i did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon viewing my credit report a collection item appears on my report for which I had no knowledge I have enclosed a letter from the debt collector stating the account is being disputed and that they have ceased all collection on this account however the credit bureau has refused to remove the item from my credit file Collection company name XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
State: AL
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:
I reviewed my credit reports form Equifax and XXXX  and they are reporting accounts that violates my federal rights as a consumer. I sent them a letter addressing these accounts to bring it to their attention. They have not responded to my letter and still have the accounts reporting on my credit report. This situation is frustrating me and causing a tremendous amount of stress in my life. First, I did not give the my written consent to report the accountspursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy by sending my personal information to data furnishing companies that I also DID NOT give my written consent to have pursuant to 15 USC 1681a ( 4 ). Using my personal information without my consent is identity theft and is punishable under federal law pursuant to 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Mortgage Research Center, LLC
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:
Hello, I did not authorize veterans United to check my credit report. I was inputting my information to fill in the blanks online to create a account and my credit score along with my wifes credit score were checked without us signing or authorizing for our credit to be checked. Please remove this inquiry from my credit report. Todays date that it occurred was on XX/XX/2021

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 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio recovery associates at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXXI sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions Inc.
State: CA
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:
CFPB I contacted the FTC they informed me that you CFPB handle this type of case and and you keep sending the dispute to them FTC. Experian is fraudulently reporting an account that both actual furnisher XXXX XXXX sold to XXXX XXXX who stated on your dispute enclosed remove this account from credit report FACT 1 enclosed XXXX XXXX state remove account, FACT 2 XXXX XXXX state sold to XXXX XXXX, Experian has no legal right to report this account Fraudulent, misleading, deceptive, information on credit report a violation of FCRA, FCPA, and other federal laws. all facts enclosed .FTC states you the CFPB are the one to handle this dispute. I request that Experian remove this account at once as per the facts, and CFPB investigate this case I know CFPB can not give legal advise but the violation can be handed down for this type of reporting, Experian you will do as I request of I will file a class action law suit against you Not a threat but a promise I tired of your fraudulent tactics in this matter. fact, actual furnisher sold account, fact XXXX XXXX stated remove account from my report, fact fraudulent reporting is a violation with fines, fact all parties state fact enclosed to remove account I should go public about this to the News and the social media so you can answer the facts

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 2018-12-04
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BB & T consistently reorders debits in order to charge more overdraft fees. Please see attached examples. According to customer service, BB & T policy is to only remove 1 overdraft fee every 24 months. So by this policy BB & T can repeatedly reorder debit transactions to cause customer to incur unlimited amounts of overdraft fees with no recourse other than arbitration with a mediator chosen by BB & T. ( This type practice often results in business ' choosing mediators that consistently find in the business ' favor ). The most recent example I attached is a recurring online payment that caused my account to overdraft. This is my fault and not in dispute. What I am disputing are the other 3 overdraft fees that are the result of reordering. The debits were later hard posted in the correct order, clearly showing the account was not overdrawn at times those purchases were made. This happens routinely. If I " opt-out '', I am charged {$36.00} for the account to be " reviewed '' and the purchase denied for insufficient funds. When I call customer service I am told " sorry, our software won't allow me to take those overdraft fees off ''. This seems fraudulent and deceptive.

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 2019-07-04
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a garnishment on my pay for a debt I know nothing about. I never received a summons to appear in court but i have had a judgement brought against me by a debt collector Asset Acceptance LLC. According to the documents I received from my employer about the garnishment the following was were the terms of the judgement : Principle : {$2100.00} Interest : {$6300.00} ( and accruing ) Attorney Fees : {$530.00} Court Costs : {$250.00} Again, I have no idea what this is for nor did I received a summons to court to dispute the claims outlined in this collection of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with BMO around XX/XX/2019 because they were advertising a {$200.00} bonus if I had a direct deposit and used my debit card 10 times. I met all of the requirements and the bank closed the account without letting me know, without having a reason and did not pay the {$200.00} bonus. I called the bank to ask them why my account was closed and the Customer Service rep said it was strange and he saw no notes on the 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
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax today XXXX XX/XX/2019 XXXX spoke to supervisor XXXX and rep XXXX after realizing that my credit score had dropped XXXX points on XX/XX/2019. I was provided information that the score was dropped because XXXX had reported my loan being in deferment. So I called XXXX and XXXX stated that by them reporting my loan in deferment should not be recorded as derogatory and that my score should not have been effected. They wanted me to provided them with a copy my credit report from Equifax. I called Equifax and got the run-around. They needed to validate my identify. They asked me a series of questions. All having to do with inaccurate info they have on their report which is none of the truth. They ask questions that do not match up to the truth then tell you that you failed authenticity and demand you to fax over a copy of your drivers license and social security card. Not only is this a way for your identity to be stolen, it may be why millions of people were able to get their identity stolen by Equifax, its a scam millions have gone through this process and was told what I was told. They refused to work with me to discuss why my score was dropped and they refused to accept the correct answers I provided them. They ask questions that are in three parts and they say it very quickly and refuse to repeat the questions. They asked me what was my filing date for my BK ; I provided it. They asked about my car loans and payment amounts I provided that. They then ask what was the exact date I applied for an Equifax report, which I have not a clue. They also have different dates as to when my BK was filed and I have my paperwork on everything about my BK and they say it needs to be the date on their report which I do not have!!!! The true dates are what the court sent me regarding my filings not the false info they have. I was trying to get my report from them. They are holding consumers hostage, and using their credit scores against them to satisfy the lenders who pay them to keep our credit destroyed!, so we can be charged higher interest rates. I am livid. There are over a million complaints on various sites about this and what is the CFPB and the FTC doing about this? I was unable to get my report, because they do not want to address the issue of plummeting my score by XXXX points. There was no reason for it. Several people have complained about this very issue. I verified my identity correctly and they want me to fax my SS Card and Drivers license. Why? Because they do not want to correct disputes. They target you after you complain and drop your score even more. Its a game and a dangerous one.  What's being done?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Obtained XXXX mortgages with BOA XXXX and a line of credit XX/XX/XXXX that was NEVER accessed or used. Both mortgages were paid in full approx XXXX. No further communication with BOA. Sold home XXXX. My proceeds are being held by title company because of this credit line. Bank of America denies having any records of this OR my SSN being usedI have an email from BOA ( person unknown ) received XX/XX/XXXX stating A lien release in connection with above referenced loan is being prepped and will be mailed or electronically transmitted for recording to the appropriate county recorders office.

BOA reference number for this is XXXX XXXXXXXX , county book number XXXX page XXXX, instrument number N/A. 
Nothing has happened and I have been unable to contact anyone regarding this at BOA. Last contact was XX/XX/XXXX with XXXX who became defensive and hung up I have $ XXXX that is inaccessible to me because of this. I do not understand how this whole real estate deal was finalized if I dont have clear title, like how why did buyers bank okay 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 non-monetary relief