BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$430.00} XXXX XXXX {$16000.00} XXXX  XXXX {$27000.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$91.00}

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 2020-08-07
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/2020I received a statement from my insurance company, XXXX XXXX, staing that my premium was " based in part on information obtained from LexisNexis. ". They provided a toll free number for LexisNexis ( XXXX ). I called the number and requested a copy of my credit report. 

On XX/XX/XXXX, I received a letter from LexisNexis dated XX/XX/XXXX. In the letter, they said, " LexisNexis has conducted a search of its databases based on the information provided to us, but was unable to locate a file sufficiently matching your data. '' So, in essence, I received no report.

On XX/XX/XXXX, I phoned LexisNexis. I explained the situation and the woman said she would mail another letter within 7-10 business days. I never received a letter.

On XX/XX/XXXX, I phoned LexisNexis again. Once again I explained the situation to someone who only identified himself as " XXXX ''. I asked for his personal identifier, and he just repeated " XXXX ''. He said, " For some unknown reason, no report was previously sent to ( me ). ". He said he would be sending me my report within 7-10 business days. I never received the report.

On XX/XX/XXXX I checked the XXXX  website and did a search for LexisNexis in XXXX, Georgia. All the reviews for the company were ( 1 ) star. All of their responses to complainants were in a canned, form letter format. 


On

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, a payment was made to me from XXXX XXXX from his son XXXX XXXX, for a service of receiving a discounted apple gift card ( from my associate discount ). On XX/XX/XXXX i received a call from a XXXX number stating it was someone from XXXX  asking about a payment of {$200.00} i received Zelle. At the moment i was driving on the highway and explained i could not speak at the time because it was hard to pull over on the highway and told them to call me back. The women called back and left a message saying " Hi this is XXXX calling from XXXX XXXX this message is for XXXX XXXX, I'm calling in regards to the inquiry that we received it's important that we speak with you for your convenience we're available Monday through Friday XXXX to XXXX and then also on Saturday from XXXX to XXXX please return our call at XXXX option three or to the chase customer service number. '' They never mentioned anything else, i called and was on the line for over 2 hours, when finally getting a supervisor on the line she told me my " ENTIRE '' account was Frozen due to XXXX XXXX reporting it was a fraud charge to my account for the {$200.00}. XXXX Froze my account as they claim they were investigating although giving me limited details because they claim they had limited access. I am highly upset and disappointed as a XXXX long time customer and a perfect standing customer! The sender received a service and then filed a claim back on account to get their money, no one ever even spoke to me to get any details, then suggested i contact the sender to get my money back ( does that sound rational or logical ). The attitude is they didn't care and never spoke to me, just took the word of someone filing a claim for a measly {$200.00}, when i keep thousands in my account which now i won't. On the XXXX i logged in to my account to see that XXXX refunded the {$200.00} Zelle, again i was not even notified that this so called investigation was complete and again no one reached out to me but, in turn, i reached out to them, once again, they have little information to give me but took my money out my ACCOUNT WHILE ALSO FREEZING MY FUNDS WITHOUT SPEAKING TO ME, HIGHLY DISAPPOINTED AND WANT MY {$200.00} BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX Paypal sent me a email that I would no longer be able to use my account and I wouldn't have access to funds for six months. I've been a Paypal Account holder for well over three years with no issues before. I have a balance on my account of {$630.00} which they are denying me access to for six months. They haven't stated why, and all communication to them has gone unanswered or not possible to get any reasons from support over the phone about issue. I've attached my last months statement and can include many more months of statements if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: AR
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX  XXXX {$78.00} XXXX XXXX XXXX  XXXX {$13000.00} XXXX   XXXX XXXX {$100.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Bryant, Hodge & Associates LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Repeated phone calls about an " account '' that does not exist. I researched the company, and this is a consistent experience for others as well. Calls from dummy phone numbers in other states

Company response to consumer: Untimely response
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
in XXXX of XXXX i bought a car from a mom and pop car dealership. by the time first payment was due the XXXX did no turn on and they reported THAT I MISSED A PAYMENT on XX/XX/XXXX which would be the ( 1st date of DELIQUENCY ) and I voluntarily repossession my car and they towed back to their yard. for all of XXXX and XXXX no one called me to collect money owed or nobody reached out. ( this company wont provide info that they tried to collect even after multiple attempts of asking them to prove and show any documents. then in XXXX XXXX XXXX put a duplicate account on my credit report so there was fraudulently 2 wrong accounts on my credit until XXXX when XXXXXXXX XXXX  sold the account to a collection agency THE XXXX XXXX they took me to court for {$11000.00} which was the wrong amount because they sold the car and i owed {$5000.00} and in court i proved that i didnt owe anything and the account wat settled in full and i have the paperwork. so, XXXX XXXX  is reporting negative false info on my account this account is satisfied in full proof is provided and it 7 years old and after 5 disputes they are still putting wrong info on my report and has failed to provide me with any proof or documents that i asked for which is my right under fair credit reporting. i want this removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: M.A.R.S., Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit report for the XXXX time only to discover that there was a claim of debt that was not true. I have called and requested verification of the debt and they said they would e-mail a bill. I am claiming that the bill was never an agreed upon total and I am requesting some substantiation of the bill, but they can provide none and refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I returned a call to the collections agent, XXXX ( XXXX I believe is the last name ), the agent handling the account that he called me about. While on the phone with XXXX, he said that I would be taken to court and sued and that a summons would be delivered to my supervisor or manager at my job. After we went back and forth for a bit, I explained to XXXX that he would never find my supervisor or manager so he said that he would forward this case for litigation and we disconnected the call. I wanted to report him and his behavior to his manager. I called back and the switchboard operator said that she did not know who his supervisor or manager was so I called XXXX and asked that he connect me to whoever he reports to. He said that he was the supervisor and the manager. I asked him if he owned the company but he said no because if he was, he would obviously not be working. I told him that since he was not the owner of the company that there was someone that he reported to. After about 5 minutes of me explaining to XXXX that he must report to someone, he placed me on hold, said that he was getting a supervisor but came back to the line after about 10 minutes to say that there was not a supervisor available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name {$480.00} XXXX XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage does not document my current escrow balance. My loan originated with XXXX Mortgage and had been serviced there for 3 years prior to being sold. Freedom Mortgage does not reflect on their website or my monthly statement what my current escrow balance is. I am not provided enough information to determine what it is either. There is no starting balance for the year or disbursements for the year. Only the amount paid in for the year is shown. I have no way of knowing for certain how much of my escrow money Freedom Mortgage holds. I was told that I could call to get that information. I have done that several times and the reps are not very helpful. They just state the amount that I have paid in for the year.

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 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Facts : XX/XX/XXXX check # XXXX from XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX last XXXX XXXX cleared my BOA account Last XXXX XXXX same day in the amount of {$5000.00} XX/XX/XXXX from my fathers account XX/XX/XXXX Check # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX last XXXX XXXX cleared my BOA account Last XXXX XXXX in the amount of {$100.00} XX/XX/XXXX same day from my fathers account XX/XX/XXXX check # XXXX drawn against the same bank XXXX XXXXXXXX XXXX XXXX XXXXXXXX last XXXX XXXX deposited in my BOA account Last XXXX XXXX in the amount of {$10000.00} XX/XX/XXXX. A hold placed on the check which cleared my fathers account the next day XX/XX/XXXX verified by a call placed to XXXX at XXXX and verified by my father the same day XX/XX/XXXX. 

As of today, you have held onto my money for 8 business days causing checks to bounce and fees to incur for no reason at all.

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 2020-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is follow up for complain XXXX Bank of America has NOT address my concern and give me any update before close the complaint. 

Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS - it charge my interest about {$54.00} again on XX/XX/XXXX ; - it mentioned that I use `minimum payment` for the automatic payment. But I clearly remember I used `statement balance`, with which I should not be charged with any interest. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS it mentioned that I used `minimum payment` for the automatic payment. But I clearly remember I used `statement balance`, with which I should not be charged with any interest. Please provide evidence that I used `minimum payment` for the automatic payment THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS The company promised me in the phone call, that they will : - refund all my interest charge ; - fix the auto pay settings. Obviously it is not true, as I was charged interest of {$54.00} dollar again on XX/XX/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 2020-01-01
Company: BBVA FINANCIAL CORPORATION
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:
BBVA Compass is reporting a deliquent credit card account that I never applied for.

It was opened XX/XX/2013 and had a credit limit of {$4000.00} and a balance of {$3900.00}.

The account is linked to an address in which I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. XXXX {$590.00} XXXX {$18000.00} XXXX {$11000.00} XXXX XXXX {$79.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX   XXXX {$2100.00} XXXX XXXX {$560.00}

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 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My mother-in-law added me as an authorized user to her Kohls credit card account at least 25 years ago. She passed away on XX/XX/2022. Kohls has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with Kohls and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I notice my credit had a negative reporting from this company. This debt was an older debt but they reported it as current charge off as of XXXX/XXXX/15 which isnt true. This was already sent to another agency who could validate the debt ad was removed off my credit. This is the XXXX time it has been reported. So now im being punished XXXX times for the same debt that was originally removed. Just because they purchase the debt doesnt mean they can lie and try and ruin your credit. Also i notice they do this all the time with many people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXXXXXX {$78.00} XXXX XXXXXXXX XXXX XXXXXXXX {$13000.00} XXXX   XXXX XXXX {$100.00} THE COMPANY

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 2016-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received an alert via email saying that my credit score decreased due to a hard inquiry on XXXX/XXXX/2016. Upon review of my credit report, there is a hard inquiry from an auto dealership I have no knowledge of, and I never authorized this inquiry. TransUnion went on to say they can not remove this inquiry without a letter from the inquiring company allowing this inquiry to be removed. The auto dealership said they never pulled my credit report, they also informed me they do not use social security numbers to pull inquiries, in most cases. The customer name from the inquiry does not match my name, and her address is now listed on my credit report. I have never held residence at the addresses on XXXX XXXX. Neither companies are helping me resolve this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX XXXX, two ( 2 ) unauthorized transactions appeared on my Wells Fargo credit card account ( card # XXXX XXXX XXXX XXXX ). One is from XXXX with {$230.00} and one from XXXX XXXX with {$250.00}. I called WF to dispute this unauthorized transactions and after a couple of phone transfers, agent-supervisor-card dept., etc., finally I got to the Wells Fargo fraud dept XXXX and the amounts were settled and cleared. On that same phone conversation, It was also confirmed that I even ended up having a - {$70.00} balance ( overpayment ) upon further review of my credit card account. 
And promised me of repayment. On XX/XX/XXXX I've decided then to close the credit card account to avoid another incident to happen. 
Please see attached files showing my closed credit card account. Two are screen shots from my computer. 

Now come XXXX, I am not aware, until recently that Wells Fargo has put back one of the unauthorized transaction ( {$250.00} ) on my now closed credit card account. 

XX/XX/XXXX, I went to WF branch here in XXXX, TX to dispute again this transaction. This time I asked the bankers assistance to call WF to explain everything again. So the banker helped me out in explaining my case to card dept.-fraud dept. etc. 
After more than an hour of discussion, a case number was created for this issue. I requested an email correspondence for future communication. 

XXXX XXXX, XXXX, they sent me thru email the result of their investigation, which of course is in to their favor. ( Please see attached file, Wells Fargo Message.pdf ). This is very unfair and unacceptable. 

I really don't know what else to do/ where else to complain. All this time this has ruined my credit score, because of the fraudulent amount they put back in my now closed account. It's been a very frustrating and tiring experience.

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