BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-27
Company: Optio Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to get calls from a supposed Debt Collection Agency. They never say upon calling who they are, or why they are calling. They wait until they are sure you are not going to hang up and before you verify anything with them they ask you to verify your personal information. They will not identify themselves or who/where they are calling from. Several attempts to find out WHY they are calling have failed as they will not state why or who they are without verification of your personal information first. I 've been given XXXX different names of the company, XXXX of which is Qualia Collection Services. I 've told them the person they are trying to reach is not at my phone number multiple times and have asked them to please remove my number from their list every time they have called. This has been going on for months now and they still continue to contact me, and when I answer, it is the same situation every, single, time. The only reply they will typically give as to why they are calling is for " business ''. It takes a XXXX questions just to get them to say what company they are calling with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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:
1. when I reported fraud on my card in XX/XX/2019, XXXX  still charge late pay fee. 
2. XXXX admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud 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 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : ACC NO : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX/XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/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 2022-02-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: GA
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:
++++XXXX XXXX++++ XXXX details Equifax XXXX XXXX from XX/XX/XXXX Misc. 
XXXX XXXX XXXX from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXl Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX ***Equifax*** Inquiry details XXXX XXXX , XXXX XXXX  Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ADDENDUM TO CFPB REPORT XXXX MADE ON XXXX XXXX XXXX. 
UPLOADING POLICE REPORTS AND COMPLAINT NUMBERS. XXXX XXXX POLICE WERE TOLD NOT O INVESTIGATE ANY OF THE REPORTS DUE TO THOSE INVOLVED IN THE RING ARE VERY POLITICAL ETC, BECAUSE I WAS REPORTING THE FRAUD MY OFFICES WERE BROKEN INTO IN ADDITON TO MY HOME. 

ALSO, I WAS HIT 2 TIMES. I WAS TOLD THE MORTGAGE COMPANIES PLAYED A ROLE IN MY ACCIDENTS WHICH WERE XXXX, XXXX APART AND MY SPOUSE WAS ALSO HIT. IT WAS A CERTIFIED HIT ON IT! 

THE IDENTITY THEFT REPORTS INCLUDED. WHEN MY OFFICES WERE BROKEN INTO PERSONAL ITEMS WERE MISSING WHICH WERE NOT LISTED.

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 2020-01-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
First and most important, after I summited to them the amount of $ XXXX on a {$80.00} dollar loan I saw that the outstanding loan balance had not decreased at all. So I reached out to them for an itemized account of the distribution of the funds just paid. After several attempts to reach them through my VA HUD Rep., contact was made. The result of the contact was information on how to request the requested information. Note : It seems as if after the receipt of the XXXX they've been unwilling to communicate with me. I have per their own instructions written and requested the following without response. 
1, A complete breakdown down of the funds being applied. 
2. Ballance of loan or payment coupons. 
3. My relationship manager will not return calls to me or my HUD Housing Counselor to move forward with obtaining the pre-described information. 
Additionally : after 6 years with not one credit report from them and after they received funds as negotiated sum, they punitively reported delinquents to the credit reporting agencies.

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 2015-06-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am having a problem with my bank returning funds which were released to the wrong party. I made payments and they were not received by the intended party yet released and not credited back to me when this was brought to the attention of the bank. I furnished all the detail requested of me to the bank. I have yet to have anyone at the bank reach out to let me know what the status of this investigation is. I have e-mailed at least XXXX times, and telephoned repeatedly to only be told this is going to take more time. The first date the bank made a formal notation was XXXX XXXX, 2015. I had been inquiring about my money prior to this and finally the put my case with their dispute dept. After that I was required to provide check # s, copies, and amounts. From XXXX, 2015 until today I have no idea where this case is or what happened to my money or when I will have it returned to me. I could understand some time but I seems that nothing is being done at all. What ever happened to bank security. I really appreciate any help I can get in a resolution to this problem. 
Thank XXXXOscar XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called several weeks ago to the collector and gave my l  ast 4 of social security at pont they could not find me. either by social date of birth, name lat name so forth. so I disputed the issue. I then receive from  XXXX  that the collector responded the debt is mine. so today I call and now they can find me under my social and date of birth. that is so weird that they were able to find me now not 3 weeks ago.
<P/>
this company that is collecting the debt I worked for. but my apartment and bills were paid by the company so I do n't know how I owe them any money and I was never notified I did owe them anything at all. They had had my email and my forwarding address and nothing was ever sent to me about any money due.
<P/>
this company I worked for is upset because I quit because the way they treated my fianc. he was an illegal immigrant and they were calling ins on him after he worked for them 8 yrs faithful  ly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: First Direct Lending, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I keep receiving notices for reducing my mortgage from multiple companies that have apparent information regarding my credit and mortgage loan amount. Several of the fliers have " last notice '' on them. First direct lender sent one with a number to call to Opt out of these notices, when I called the number they wanted my social security number and it was a mortgage company. The number they listed was XXXX, if this was an opt out number why would it be a mortgage company?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is follow up complaint to XXXX FMS INVEST GROUP stated " Hello, Financial Investment Corp ( Financial Management Systems ) was closed as of XX/XX/2021, please refer back to the original creditor. Thank You, XXXX XXXX '' If FMS is closed they should not be reporting to my credit report after I told them to cease communication!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have tried to get a resolution to an issue with Capital One Auto Finance for over 8 months. I was told they wouldn't report me to the credit bureau for a 30 days past due because of the current pandemic. The 30 day mark came and they reported me resulting in a major drop to my credit score. I have tried to have them remove it because of the information they told me, in addition I have paid the account off in full because I do not want to deal with a shady ran organization who have not allowed me to speak to anyone in regard to my complaint. I've faxed them over 20 times with the same information and I haven't heard from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.

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 2020-01-16
Company: Torres Credit Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called in verified information and I advise representative that I was disputing the validity of the debt and I will like proof of charges. She refused stating that I could not dispute the debt. I asked the representative over 5x her name which she refused to give and blindly transferred me to a manager XXXX XXXX I asked the manager several times the representative name which he didnt disclose at my leisure. I then advise him of the conversation which he told me he would handle the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I, XXXX XXXX am writing this complaint today about my Wells Fargo account that is reporting inaccurate information across all 3 credit bureaus. The account is posting as an delinquent account however, on my account all payments on this account since I had it from the beginning of XXXX have been on time with no late payments however, there is a 30 day late payment reporting for XX/XX/XXXX that is incorrectly reporting. I have never missed a payment o this card and I need this fixed as I am going for a mortgage loan and this incorrect information on my report is severely hurting my score where I can not get approved for my dream home

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 2022-02-24
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My cash app account was locked. I was sent this after only changing my debit card information : We temporarily locked your account to protect you from possible fraudulent activity, and we are reviewing it now. 

You can still view your balance and investments, but you won't be able to send or spend money. 

You will receive a notification within 24-48 hours confirming we completed our investigation and unlocked your account. You will then be able to log in and resume using your account. 



My direct deposit goes to this account and I have money on it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1692C At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or At the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

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 2021-08-23
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Filed a fraud claim with Bank of the West on XX/XX/2021 concerning a Business Checking Account, was advised at time that if the claim could not be resolved with ( 10 ) business days that a provisional credit would be issued, called back on 10th business day only to be told that businesses do not receive provisional credits only personal accounts do, inquired as to why this policy only recognizes personal accounts and was told that " Businesses have money and can wait ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed inaccurate information multiple times with Transunion, XXXX XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX 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 2022-02-24
Company: Block, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A Cash App Visa Debit account was fraudulently opened by someone using my personal information. I received the card on XX/XX/2022 and worked with XXXX XXXX XXXX as well as calling and emailing Cash App in an effort to get this card closed. After sending the requested information and card number via secure link to Cash App, I followed up two days later to ensure the account was closed. I then received another link requesting photo of front and back of debit card. XXXX XXXX advised me not to send the photo. XXXX XXXX has tried to contact Cash App since this time in an effort to close the account, but has been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am not able to submit a dispute with TransUnion online for what ever reason. Ive enclosed a screen shot image of the issue im having that is not allowing me to submit an online dispute.

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 2022-02-24
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, and XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation