BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: USI Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I HAVE IN THE LAST 5 DAYS RECEIVED SEVERAL PHONE CALLS FROM USI SOLUTIONS.  REPRESENTATIVE BY THE NAME OF XXXX CALLED AND I advised I did not owe this debt he insisted i needed to GET A PEN AND WRITE DOWN THE ADDRESS SO THAT I CAN SEND PROOF THAT I DID NOT OWE THE DEBT. 

HE THEN PUT A GENTLEMAN ON THE PHONE THAT WAS SCREAMING GET A PEN. 

I ADVISED THAT GUY I DONOT WANT THEM CALLING ME AGAIN HE REFUSED TO LISTEN TO ME AND DISCONNECTED THE CALL. 
i CALLED BACK AND ADVISED XXXX NOT TO CALL ME AND HE INSISTED ALL I NEEDED TO DO WAS GET A PEN AND WRIT DOWN THE ADDRESS I ADVISED AGAIN NOT TO CONTACT ME. 
call dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
My mortgage loan with Bank of America balance as of XX/XX/2022 is XXXX and is totally current with the next payment due on XXXX XXXX, 2022. XXXX shows a loan balance of {$160000.00}, which is {$3800.00} higher than the current balance. This caused my XXXX score to fall XXXX points ( it should have been XXXX points ), from XXXX to XXXX overnight at Bank of America and XXXX points at XXXX XXXX XXXX. XXXX was the one that advised me of my drop. 

I contacted XXXX as per their instructions and the told me that it was a Bank of America issue and that I should contact them. I tried doing so but no living person answers my calls or messages. Bank f America shows a drop of XXXX points ( sic ) and XXXX shows XXXX, which is not deserved but at at least they can add and subtract correctly. 

I am considering terminating my relationship with Bank of America because : 1. They make many mistakes, which you will be able to see in my previous complaint to you and, 2. It is impossible to get them to answer a call or message. 

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 2023-02-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
on this date company opened a collection account : ENHANCED RECOVERY COMPAN {$740.00} ( XX/XX/2021 ) & {$420.00} ( XX/XX/2021 ) I have never written any written document saying that i owe debt to the collector. 
They are violating my rigths of the FCRA as a consumer. 


i do not know who they are and have not written consent from my end. 

Also, they have NOT verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX should not be reporting late to Equifax ; XXXX  and XXXX  on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive been contacting Transunion for years about this XXXX XXXX  and XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Transunion that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Transunion refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Transunion correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.

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 2018-12-04
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BBVA Compass is my bank. This summer someone opened four credit card accounts under my name and used my personal account to make payment on them. I disputed the amount and BBVA Gave me a temporary credit and then reversed it less than a week later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: CT
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:
I have tried numerous time to have this information remove from my credit report XXXX XXXX, XXXX, and experian have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX company as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way

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 2022-01-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22, I received a text from Wells Fargo stating there was a zelle transfer for {$3500.00} trying to process and we it me. I sent the no response and shortly received a phone call from Wells Fargo. The caller ID said Wells Fargo and the phone number was the one of the back of my debit card. So when I answered the 'representative ' told me about this transfer trying to complete from Idaho was it me. I denied the transfer and he said they were going to do a zelle transfer of all of my current funds to myself. So my account would look like it was empty. He explained this would put a block on my acct for XXXX hours so no other transfers would occur. On XX/XX/22 I checked my account and still no money but I had previously scheduled debits out so of course an overdrawn account. I called Wells Fargo and they said it's a scam and they filed the claim. I was told to call back XXXX business days later for the result and here we are XXXX business days later, and Wells Fargo is starting it was an authorized transfer and no need to give me my money back. The bank acknowledged these scams are going on, they conveniently sent out about email to customers about XXXX days after this incident happened to me to warn customers but failed to say it is not their problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have tried numerous time to have this information remove from my credit report trans union, XXXX, and XXXX have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX XXXX as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way

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 2017-07-21
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 is missing that should be on the report

Complaint:
Frankly an opinion formed by direct response from a lender- " XXXX '' provided my FICA score. THEY- XXXX outright lied to me if what I was advised is correct. XXXX gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.

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 2022-01-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT : XXXX XXXX XXXX  XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : CONVERGENT OUTSOURCING

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 2017-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a old account with usaa that was negative XXXX. I opened a new account and the money XXXX dollars I put in that account was taken to Pay part of my only account, which brought my balance to XXXX. A week or so later I had a direct deposit for XXXX go into my new account and I was told by someone that it was going to be held for 24 hours so they can take the money I owe and then he rest will be available for my use. Later I found out it would be 3 business days. This was told to me on a Thursday and again someone told me the funds would be available by Wednesday. I asked why all my funds were being put on hold when only a small amount of those funds are needed to bring my old account current. They said it 's just their procedure and here was nothing they could do. The next day I had a bill that I had already pushed back a couple times that I was going to pay with that money and I  explained this to multiple people that I needed that money. They could keep the money I owed them but to please give me the rest of it so I can make my payment and avoid reconnection fees. Again I was told by multiple people sorry nothing I can do and even if I closed my account I could not get my money out til the following week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I opened a bank account with truist bank transferred XXXX $ over because I was going to bank with them. They kept sending me back and forth waiting hours I finally reached someone and asked to be escalated he sent me back to the automated statement.

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 2017-07-25
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: Account status incorrect

Complaint:
On  XXXX   XXXX     2017, we paid ou r HELOC balance in full.   Prior to payment we calle d    XXXX   XXXX   to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not mak e a  XX/XX/2017  payment, as full pay-off would be made 72 hours later.    We were assured it was ok and there would be no problems.   But  XXXX  created a major problem for us, by reporting a " lat e '' payment on  XX/XX/2017 , when they assured us they would.    As the full amount of the loan, not just a monthly payment was made 3 days later and  XXXX  knew it was coming, from to notifications ;  one fro m our phone call and the second from the  XXXX   XXXX  notification of pay-off  seven days earlier, it was unfair of    XXXX   XXXX   too harm our credit with a late report.   The  Credit Rating compani es - XXXX  -Equifax and  XXXX  have  wrongly reporte d this as a late payment The harm has been extensive, stopping us from getting a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have Qty. ( XXXX ) go enjoy gift cards, I went to use them at one of the restaurants ( XXXX XXXX XXXX ) the restaurant could not process the gift cards. The manager said they have had problems with these gift cards for over a year, he said you need to go to there website ( XXXX  ) and select redeem and pick your restaurant and you will get an email. The website did not say anything like that an actually just says the card should be able to be used at any of the restaurants printed on the front of the card and the cashier just selects credit. I also tried calling the XXXX number ( XXXX ) this was no help either as you cant speak to a human. The date we tried to use the gift cards at XXXX in XXXX NY was on Monday XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! Capital One XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Well, this all started back in XXXX when i paid my XXXX XXXX XXXX off. I called National Auto Finance Company to send me my title and XXXX XXXX of National Auto Finance said he would be mailing it out. I never received my title. I called back numerous times in XXXX, XXXX and they told me they would get a duplicate title and resend it. I never received anything from them. My car sat in a garage as i did not know what to do as i had no title for the car and my car i could n't get registered after i moved. I went to the DMV in XXXX and they told me I had a lien on the car from a tax debt from XXXX. I called the State of Indiana and satisfied the over {$300.00} tax lien. I have submitted the paperwork to get my title through the BMV of Indiana and now they tell me that National Auto Finance has a lien on the car. I have been calling National Auto Finance back all week and they said there is no lien on the car, but they have to verify that the State of Indiana tax lien has been paid. I have been calling them and all i get is " We will call you back. '' THEY NEVER CALL ME BACK. I want my title to my car as it 's been two years that I have been dealing with this. This is riduculous! Can someone please help me?? I do n't know what to do.

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 2017-07-21
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: Account information incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

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 2022-01-27
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: Reporting company used your report improperly

Complaint:
Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX california XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX first XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX UNIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Ally bank XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX bank XXXX XXXX market XXXX XXXX DE XXXX XX/XX/XXXX Elastic XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX FL XXXX UT XXXX XXXX

Company response to consumer: Closed with explanation