BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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 recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : XXXX XXXX, XXXX XXXX, Bank of America, and XXXX  XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.

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 2020-09-06
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest collection services is initially requested XXXX on XX/XX/XXXX Account number XXXX I returned device for final download on XXXX XXXX Which I was credited back my total amount to low cost interlock Creditor number XXXX Has been settled and on XX/XX/XXXX XX/XX/XXXX I contacted Southwest collection. And they are trying to collect XXXX Since said call they have been adding or adjusting the amount. I have disputed Im contacting you next I will go to Federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Home American Mortgage Corp
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I initiated a loan application with HomeAmerican Mortgage Corp. which progressed to conditional approval with closing scheduled on XX/XX/2020. On XX/XX/2020, I was informed by the company that closing would not occur as scheduled and would be rescheduled at a later time. When discussing this with our loan officer, XXXX XXXX ( NMLS # XXXX ), she was argumentative and combative immediately upon getting on the phone. During the course of the conversation, she yelled " What would you like me to do? '' over and over, then proceeding to swear at me stating " I am doing my XXXX job '', and finally told me it was " too bad we can't publish reviews on you ''. As a first time home buyer, I was not expecting to be spoken to in such unprofessional and inappropriate terms, and nearly walked away from the entire deal. I spoke with her supervisor, XXXX XXXX, who at my request removed her as our point of contact. Following that, I received a 4 line disingenuous apology via email, siting a " difficult week ''.

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 2020-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX many dispute attempts, I was unsuccessful in removing the duplicate accounts. XXXX is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Sunday XX/XX/XXXX I was purchasing two tickets to an event for XXXX dollars through XXXX  When I had sent the money my number was blocked my the person who I sent it to. I tried getting it back through chase and XXXX and both could not help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Santander is reporting incorrect payment history, incorrect balance, as well as, account status with all XXXX credit bureaus. I 'm submitting this complaint because although Santander has been notified to conduct a through investigation they have not and continue to willingly report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: DE
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/21 submitted investigation on accounts that are not mines. Didn't receive any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Firstsource Business Process Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted First Source Advantage LLC numerous times with dispute letters. After being ignored by the company while they illegally pulled my credit and continued to access my credit file, I contacted the Federal Trade Commission and filed FTC XXXX # XXXX. I sent First Source Advantage LLC another dispute letter by Certified Mail on XX/XX/2020, USPS tracking # XXXX XXXX XXXX XXXX XXXX. The company signed for my most recent dispute letter on XX/XX/2020 at XXXX XXXX. However, it is now XX/XX/2020 and just like all of the other times First Source Advantage LLC is contacted, they never respond. After their committed failures to respond to any dispute letters sent to them. Prior to now, the company was illegally accessing my consumer credit reports and placing credit pulling inquiries on my credit. I became aware of their unethical business practices when I obtained a copy of my credit reports. However, the company still fails to respond to me or any of my dispute letters sent to them. Yet, they still update themselves and the account each month with the credit bureaus. This is unethical and this is done by them on purpose. Their illegal and deceptive tactic is to pull credit, place an account on my credit, all while failing to ever notify me or contact me. And once I found out about their illegal actions and contacted First Source Advantage with dispute letters ; First Source Advantage purposely updates the account each month with the credit bureaus, all while purposely ignoring all of my dispute letters. This needs to stop. Such illegal patterns should not be tolerated or accepted. They are not looking to operate in accordance with the laws of the FTC and FDCPA, they are using every deceptive technique possible to break the laws on purpose.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Remitly is the money transfer company. Ive sent {$500.00} to XXXX express however the account number fo the recipient was incorrect and the transfer was never finalized. Yet Ive received a receipt from Remitly showing the money was delivered successfully. I have all the records on my phone and pictures of the transfer transaction. 

Since then Ive corrected the account number and sent and addition {$100.00} to see if it would be delivered with no problem, which it was. 
All this started on XX/XX/2020 and I have been talking with Remitly several times but theyre giving the run around- saying theyre are working on it as Ill know in 4 hours. I need help in disclosure this unsafe and dishonest way of dealing with American citizens. I cant afford to loose money. 
Please contact me if you can help further - I do have evidence of all transactions made. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My Business was shut down due to covid-19. I made a payment in XXXX and advised them that I am under financial hardship due to the pandemic and asked them to not put into collections until after XXXX and also advised that I will call in XXXX to make a payment. I attempted to make a payment on the XXXX of XXXX and was not able to. My account was put into collections after the representative on the phone advised me that It would be ok.

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 2015-10-23
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax began reporting a judgment on my credit report XX/XX/2015. I disputed this and received a copy of an unsigned unfiled judgment. An unsigned unfiled judgment is not a legally binding judgment. Equifax states that I did not respond within the 30 day period but this is incorrect as I was not notified by Equifax of the need to respond. 

I am continuing to dispute this judgment on my credit report. Please provide me with a copy of a judgment signed by a judge with an actual court filing date listed on it or remove this judgment from my credit report immediately. Prove this judgment is what you say it is or remove it. 

I have attached a copy of the purported judgement. It bears no judicial signature, no filing date, and there is no indication who signed it or otherwise. Please provide a copy of the legal document you are reporting or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a large number of inquiries on my credit report that has not been authorized by me. Most of which has occurred recently. Inquiries were being fraudulently placed on my credit file. I did not authorize the following inquiries : XXXX ; XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX , XXXX XXXX XXXX ; XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX XXXX XXXX ; XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: SANTANDER BANCORP
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
By XX/XX/XXXX XXXX Santander XXXX returned to me over {$13000.00} in " error '' charges they had incorrectly made to some of my Commercial Bank Accounts ( ie # XXXX ). We held then a personal meeting at their XXXX XXXX XXXX XXXX in XXXX XXXX where they ( XXXX XXXX, XXXX XXXX, etc ) told me that for " seeing only '' my accounts via internet the charge would only be $ XXXX/month from then on. However they did not comply with that disclosure/promise and instead repeatedly kept on over charging my account from XX/XX/XXXX through XX/XX/XXXX up to {$3200.00}. They should keep the agreed $ XXXX/month x 18 months = {$270.00} and return to me the excess money the took from my account ( $  XXXX $ XXXX {$2900.00} ). I have all evidence and correspondence of efforts made with several of their present employees trying to get my money back during recent months in XXXX. Thanks for your kind attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, XXXX and Transunion ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!

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 2016-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other

Complaint:
Capital One Bank Credit Card - While out shopping card repeatedly kept declining. My first thought was that is fine since I had not used the card for shopping in quite sometime. I use monthly for Fitness Membership. 
So I decided to contact the fraud department to advise them that yes it is really me using the card. They were okay with that and said thanks for calling in for clarification/verification. I work in the XXXX XXXX Field so I really appreciated the Fraud Dept. looking out for my best interest. The only problem thereafter is that the card declined basically each time I tried using it and each time I called the fraud department. I was repeatedly advised that Capital One suspects fraud. Called the Executive office at XXXX and file a complaint with XXXX. I was advised it would take 7 to 10 business days for review. This was XXXX/XXXX/16. 
I called back to check the status XXXX/XXXX/16. XXXX with XXXX who advised me she would advise XXXX or whomever to please check the status of open case # XXXX. I called again today. XXXX called me back to let me know the case is still pending. I am contacting you because I do not feel they are taking my case seriously. I plan to travel out of the country XX/XX/XXXX-XX/XX/2016 and do not have faith my card will be authorized if used. I have never missed a payment with Capital One Bank. In fact, sent them a check for XXXX back in XX/XX/XXXX or XX/XX/2016 thus paying off the card in question ending in XXXX and a good chunk of the one ending in XXXX. I commend their fraud efforts as a XXXX worker. However, they are taking it to the extreme. It 's almost like they do not want to be in the credit card business. It is so embarrassing trying use to use my card to be declined in front of a bunch of strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I did not give XXXX XXXX written or any other consent to pull or review my credit. They broke the law according to. Trans Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Transunion by law was supposed to make sure that this alleged consumer transaction was legal based on Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

They did not. 

I'm asking for this unauthorized inquiry be immediately removed from 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 2020-09-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have XXXX and XXXX and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report on XX/XX/XXXX I reached out to the original creditors and I also disputed the inaccuracies with XXXX, XXXX, and XXXX. XXXX  reached out to me XX/XX/XXXX saying it was verified as accurate m. I never received any proof of the accounts being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items in Identity Theft must be deleted : The listed items are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response.

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 2020-08-05
Company: U.S. BANCORP
State: TX
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 called 3 times and spoke with 3 different agents. I cant remember the first one but the second one was named XXXX and the third was XXXX. They wait time wasnt a problem which was 2hrs 30min per agent XXXX informed me that she would love to activate my card and transferred me to the automated systems XXXX told me on the last call of the day at XXXX that my card was replaced by US BANK RELIACARD OR US BANK NATIONAL ASSOCIATION for no apparent reason I already had a card ending in XXXX why would she not inform me in the beginning that my card was replaced did she not review the account notes? Also XXXX was rude and over talked me on phone she didnt really seem confident in the information she gave me. Why would I be put in an inconvenience like like no one could inform me someone dropped the ball. I need and explanation to what happened how could this happen and no agent could inform me or tell me the truth

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