BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

EQUIFAX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX  ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  (XX/XX/XXXX 5. XXXX  ( XX/XX/XXXX).

Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
Bank of America previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.

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 2017-08-01
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia. That even with my final Divorce Court Order decree dated around XX/XX/XXXX, California Family Law Court Case number XXXX XXXX awarding 100 % of my former Single Family Residence to my now Ex-wife effective the date of the signed Court Order. " XXXX '' refused to lawfully " Delete '' the subsequent " Foreclosure '' negative entry off of my " XXXX '' credit report after my now Ex-wife stopped paying HER mortgage sometime in XX/XX/XXXX. " XXXX '' told me to contact the former mortgage lender named " Ocwen Loan Servicing, LLC '' out of XXXX XXXX XXXX, Florida. And I did so in writing. On or about XX/XX/XXXX, I received a two page letter from " Ocwen Loan Servicing, LLC, '' dated " XX/XX/XXXX. '' " Ocwen '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " XXXX XXXX XXXX, XXXX '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( which is now trading at about {$27.00} per share as of this writing ). And I also did so in writing. On XXXX XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to : '' XXXX '' via regular U.S. mail postage. For nearly 3 weeks I heard nothing back from " XXXX. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. " XXXX '' signed for my letter around 4 calendar days later but still did NOT respond to it. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response. Then on XXXX XXXX-Monday-XXXX I received a two page written response dated " XX/XX/XXXX '' NOT from " XXXX '' but from " Ocwen. '' In short, they unlawfully " Denied '' my lawful request for a " Legal Binding Release '' form. that I was promised by " Ocwen '' in their original two page letter to me dated " XX/XX/XXXX. '' I OBEYED the XX/XX/XXXX California Family Law COURT ORDER, " Ocwen '' and/or " XXXX '' et al. still have NOT.

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 2018-02-20
Company: EQUIFAX, INC.
State: TX
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:
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX (XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) EQUIFAX - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX) XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX ( XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing an inaccurate late payment with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 and again on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. I still have absolutely nothing from any of the bureaus ; No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2018-02-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This was was associated with XXXX XXXXXXXX XXXX I received a notice that comenity was closing my card as much as I wanted to kee it I had no choice I started struggle with my account and had problems making my payments because of a hardship and a hospital bill for family health issues. 
I tried to explain that to the guy but he was very rude and got mad at me and hung up because my phone had an app that was also recording the phone call This was was very rude Ive called before for help and they never help me out now they have transferred my account to a third party collector agency. 

I want to enroll into a program payment plan that can help me reduce my payments and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX XXXX  ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had fraud on my XXXX card from Barclays bank. The total was close to XXXX dollars. There were 82 separate charges from XXXX XXXX on my card on XX/XX/XXXX alone. Barclays did not find this to be unusual for some reason so they never alerted me nor protected me from this fraud, since I never authorized any of these charges. Barclays initially credited me back XXXX Dollars, but another XXXX, XXXX came in on the replacement card they sent me ; a card I never activated. I alerted Barclays fraud department ( XXXX ) to this continuing fraud and they advised me that they would credit me back the new account. Then things got strange. I received two letter from Barclays dated XXXX the XXXX. One said that I was not responsible for the fraud, therefore I would be credited the entire amount, the other said I was responsible. I contacted their fraud department multiple times, and they advised me To get a hold of XXXX, because they could not, in order to have XXXX prove it was fraud. ( XXXX has no live person you can speak to ). Match tuned to XXXX, fraud Agent XXXX told me that all XXXX XXXX charges would be removed. They were not. Fraud agent XXXX Told me the same thing at the end of XXXX. Nothing. I closed the Barclays account, my XXXX XXXX account and my XXXX account, where I lost all of my XXXX travel points, as they were my favorite airline. Fraud agent XXXX told me The case was still under investigation. Meanwhile, every month my bill comes in with the fraud on it accruing interest. They demand payment every month and refuse to help me. The number is close to XXXX XXXX dollars. It is almost XXXX. I contacted Barclays corporate and they refer me to their fraud dept. the Fraud department now doesnt answer because they are supposedly too busy. I filed a complaint with the Florida Attorney General yesterday. To add insult to injury Barclays declared my account past due, which made my credit score drop 40 points. I had no choice but to send them XXXX dollars this week. Earlier this month the same thing started happening to my XXXX XXXX card but their security immediately contacted me and were able to stop it after 10 fraudulent XXXX XXXX purchases. I had no choice but to close that account out of fear. Barclays corporate will not help and they are sending me a fraudulent bill every month. They did not protect my identity and now have negatively impacted my credit. Its been 7 months and I need help. 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 explanation
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Wells Fargo Mortgage number is XXXX and my name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA. In XXXX 2017, I applied for a credit card with Wells Fargo online and was told I would be receiving a letter by mail with the decision. On XXXX XXXX, 2017 I received a letter stating my application was denied because my well Fargo mortgage was foreclosed. Yes, I do have a Wells Fargo mortgage but I have never been In Forecloser or faced for closer. I can be reached at XXXX or by email XXXXXXXXXXXX Thanks

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 2018-07-05
Company: GREAT LAKES
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payments are being allocated incorrectly. I'm almost {$10000.00} ahead of schedule and when I make an excess payment I select to have 100 % of the excess payment go towards my loan with the highest interest rate. I assumed that when I make that payment it would first pay off all the interest for all loans in the account and then pay the remaining balance towards the specified loan. However, when I looked at the payment it paid principal and interest to all loans in the account. 

For example, on XX/XX/XXXX I made a payment of {$1000.00}. I specified that I want 100 % of the funds to go to loan token XXXX. And my default excess payment preference is set to 100 % of the excess to loan XXXX as well. Below as you can see only {$690.00} went to the loan I specified which is 75 % .. 

XX/XX/XXXX Payment {$1000.00} Principal - {$920.00} Interest - {$73.00} Late Fees - {$0.00} Balance - {$25000.00} Applied to Loan Token XXXX Applied to Principal {$29.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$2900.00} Applied to Loan Token XXXX Applied to Principal {$37.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$3700.00} Applied to Loan Token XXXX Applied to Principal {$8.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$830.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$10.00} Applied to Late Charges {$0.00} Unpaid Principal {$4600.00} Applied to Loan Token XXXX Applied to Principal {$690.00} Applied to Interest {$13.00} Applied to Late Charges {$0.00} Unpaid Principal {$2100.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$12.00} Applied to Late Charges {$0.00} Unpaid Principal {$4700.00} Applied to Loan Token XXXX Applied to Principal {$17.00} Applied to Interest {$4.00} Applied to Late Charges {$0.00} Unpaid Principal {$1700.00} Applied to Loan Token XXXX Applied to Principal {$6.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$610.00} Applied to Loan Token XXXX Applied to Principal {$18.00} Applied to Interest {$5.00} Applied to Late Charges {$0.00} Unpaid Principal {$1800.00} Applied to Loan Token XXXX Applied to Principal {$19.00} Applied to Interest {$6.00} Applied to Late Charges {$0.00} Unpaid Principal {$1900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Lost my debit card and it was used for several small purchases from vending machines where I live none of which exceeded {$2.00}. I phoned them and they refused to reverse the charge saying they had reversed an overdraft charge before. I am old and living on Social Security and can not afford this XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is been deleted by transunion twice and is back again with no proof or notice from transunion. The account has the wrong balance wrong birthday It was never validated by proof or shown the ownership from the original creditor I have been shown a bill with the wrong info on it Please show the contract and a contract and receipt of purchase of the debt from the original creditor

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 2020-08-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XX/XX/2020, my credit rating score ( FICO ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S., people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 involves a fraudulently opened   XXXX   XXXX   XXXX   card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent "  XXXX  '' account on my credit report. Upon researching the account, I learned this was a   XXXX   XXXX   XXXX   account someone in Georgia had fraudulently opened in  XX/XX/XXXX  using my identity. In early  XX/XX/XXXX , I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with  XXXX  's customer service, I filed disputes with all  XXXX  Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit,   XXXX   and   XXXX   removed the item from my credit report. Today, on  XX/XX/XXXX , I learned the item still appears on my TransUnion credit report, causing my credit score to be  XXXX + points lower on TransUnion than on the other  XXXX . I called TransUnion and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient.
I am uncertain as to whether TransUnion never deleted this item after the  XXXX  dispute process, or whether  XXXX  attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.

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 2021-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please validate this information and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
barclays and XXXX XXXX are in collusion with each other and is still being reorted on 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 explanation
Consumer complaint received 2020-05-24
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was receiving my unemployment payment by check through the mail. But now it says that it will be on a state issued debit card. A Wells Fargo account card. I have not received this card and it has not been 3 weeks now and I have no card and have not received my payments I cant get an answer or a hold of any one to help my phone number is XXXX 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 explanation