BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}

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 2015-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The following accounts below were deleted from my credit report ... 
XXXX XXXXI recently check my credit report and they have since then re-appeared. These need to be removed as the original dispute was valid and company was unable to furnish proof these were mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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 information incorrect

Complaint:
Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Arbitration

Complaint:
I am writing to inform the Consumer Financial Protection Bureau of discrimination on the part of Capital One. Their company can and will remove derogatory information, which is accurate, from consumer credit files. I am aware of several people who have had success submitting goodwill requests to their executive office. They have gotten late payments, even charge offs removed from their credit files. If Capital One denies this occurred, or that it continues to occur, I would be happy to provide documentation showing that it did and does. For some people, present company included, Capital One will respond saying " the information being reported is accurate. therefore, we are unable to remove or modify it. '' I have gotten this cookie cutter response multiple times from different people within their company. It is frustrating because I know for a fact that is n't true. Their company can and does remove negative information, which is accurate, for some of their customers. I personally know of several, so there are likely a lot more. XXXX people can contact their executive office with the same request to remove negative information from their credit files. XXXX will get approved without any challenges, the other will get denied with Capital One claiming they do n't modify or remove accurate information. Even the guy I spoke with today at Capital One did n't deny that Capital One removes negative information for some people, but not for others. He would not elaborate on how they come to their decisions. This has me concerned because it 's entirely possible, even likely, that Capital One is engaging in discrimination. How can they say they 're not? If XXXX people submit the same goodwill request requesting that Capital One remove negative information, and XXXX is approved while the other is denied citing the law or their own policies, how can they say that is n't discrimination? There is some set of criteria they are using to view XXXX customers differently, outside the scope of their goodwill requests. I would like to know what that is, and the public has a right to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank was running a promotion for their various Savings accounts, where a new account would receive a {$400.00} bonus after depositing {$15000.00} in a new account within 15 days of account creation, and maintaining that balance for 60 days. 

I signed up for the account using a direct link on their website on XX/XX/19, deposited {$15000.00} on XX/XX/19, within their 15 day day window, and account has remained above the minimum {$15000.00} balance for the past 90 days. 

I've spoken with Customer Service, and they are having " internal difficulties '' finding the registration code on my account, even though I spoke to a representative a week after funding my account and they noted that all requirements had been completed, but would have to wait the stated 60 days before receiving the bonus.

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 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2019 I have no idea. I was looking for a private loan. I did not know, someone deposit using a fraud check. Since I pay {$200.00} from that account the the private lender. Without knowing, the fraud check hit my account. The bank, Bank of America, just close my account until today. I need to take this off so I can open account. 

This bank did not work with me. I did not know the check, but they put in trouble. 
I am a small guy trying to make a living. Someone damage me by putting a fraud check Bank of America is doing this to me, I can not do business for XXXX  years. I lost a lot of income. 

Please contact bank of america and lift the this hold from check system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Experian Information Solutions Inc.
State: NJ
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:
for some reason I have 18 to 20 unknown inquiry 's on XXXX, XXXX. and Experian credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..

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 2016-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been a customer of Capital One for a few years now and have XXXX credit cards with them. Over the last year and a half, I have requested credit limit increases on both cards and have been denied. XXXX was receiving a message of denial stating that my payments were XXXX small. I increased the payment amounts and started receiving the following denial of credit message : " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I have been receiving that message for 8 months now. Additionally, my other card has been receiving the same denial message for 15 months now. This message implies that an evaluation is being performed on the account and that at some point there will either be an increase or a reason for denial based on this evaluation. The fact that these messages started showing up after I increased the payment amount are not a coincidence. I feel that Capital One does not want to provide a legitimate reason for denial and do not have a concrete reason. The evaluation period seems to have no end. So, I contacted their customer service and their customer service was no help. All they were able to do is state that currently they are reviewing the credit limit increase policy. However, the letter does not state that they are reviewing policy ... it states that they are reviewing my account activity. So, either the letter itself is not factual or the customer service representative lied to me. I simply wanted to know when the evaluation period would end or if they could provide me with a concrete reason. I believe this is a violation of regulation B and the FCRA as I do not feel like they are providing me with sufficient reasoning for the denial of credit. I will be attaching a copy of the most recent letter I received - although they are all the same. Additionally, I am attaching the conversation I had with the customer service from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I submitted several documents on several occasions to Capital One Bank to verify my identity due to fraudulent activities on my Credit Card. The final time, the week of XX/XX/2016, I mailed a copy of my driver 's license, social security card, birth certificate and a XXXX Credit card bank statement and was told the XXXX Credit Card Statement will not suffice for a bill. I informed them that I stay with my grandmother and the lights are in her name at the address that is on the Driver 's license, XXXX Credit Bill and their ( Capital One Credit Card. I have had such a hard time. with this company. I have several credit cards and they are all paid up to date except this card, which has caused my credit score to descend. I have n't paid a payment since XX/XX/2016, because someone used my credit card from someplace else and I refused to pay for their fraudulent activities. To me, this company is inefficient and lack professional service. Some of the fraud representatives do not know how to handle fraud cases. This has been going on Since XX/XX/2016, and has caused my credit score to go down-tremendously. I gave the Reps Documents INCLUDING A COPY OF MY CURRENT DRIVER 'S LICENSE THAT MATCH THE ADDRESS ON THE CREDIT CARD ACCOUNT, YET THEY ARE PROLONGING THE RESOLUTION AND CAUSING MY SCORE TO BE DECLINE. THE LAST XXXX DIGITS OF MY ACCOUNT NUMBER ARE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
SPECIALIZED LOAN SERVICING IS REFUSING TO PROVIDE AUTHENTICATION OF THE MORTGAGE AGREEMENT AND DISCLOSURE DOCUMENTS THEY HAVE PROVIDED. WE HAVE REQUESTED NUMEROUS TIMES FOR A CERTIFIED COPY OF THIS DOCUMENT AS PROOF THAT IT IS A PHOTO COPY OF THE ORIGINAL AND SIGNATURES AND RUBBER STAMP ARE AUTHENTIC AND NOT INSERTED OR CUT AND PASTE. THAT NO PART IS MANUFACTURED BY COMPUTER GENERATED SOFTWARE OR ELECTRONICALLY ALTERED IN ANY WAY. THIS IS ANOTHER REQUEST FOR AUTHENTICATION. *************************************************

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello, This is my 2nd complaint w/ servicer XXXX. First CFPB complaint # XXXX, made XX/XX/20. In which, I advised on numerous occasions prior before my complaint that I have 6 OPEN student loans w/ XXXX . However 1/3 credit bureaus is reporting the informating incorrectly. Why is it not correct all across the board? Were the ones that it effects, the consumers who try to buy homes. But their credit scores are constantly effected. Im so tired of having to repeat different stories about different companies on my report. Tired of constantly trying to fix it alone, Ive been forced to get help from an attorney.As of today, XX/XX/20, Transunion is still reporting 4/6 of my XXXX accounts as CLOSED. 

The letter received from XXXX, in regards to my credit dispute? They didnt investigate anything, just like before, they just print out my loans & send them. I can do that. They have not CORRECTED ANYTHING W/ TRANSUNION specifically. Make it match w/ all three bureaus. Do not just throw the word investigate around & not do the job regarding handling someones acct. These accts affect our lives. Im tired of trying to correct this issue. ALL DOCUMENTS ARE ATTACHED FROM XXXX & TRANSUNION. 

Im almost certain this will not be corrected this time either. This is my SECOND complaint w/ CFPB, gazillionth w/ XXXX & Transunion 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 non-monetary relief
Consumer complaint received 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, Ive been banking with Bank Of America since early XXXX, and in XXXX of XXXX my account was closed by BOA due to a business decision. At the time i had over 1000 dollars in funds designated for rent, food, and etc., but still I contacted my bank and they let me know that i would have to wait for a cashiers check that would take 7-10 business days which i did. While i waited for the cashier check i also ordered me a free FACTA report from XXXX, the report came back clean of any fraudulent activity. So I proceeded to open an account with BOA again which was probably not smart on my behalf, they let me open the account and the branch that i went to gave me a temporary card while i wait on the actual card to come. I did not add any money into the accounts due to me being scared to touch them risking closure until XX/XX/XXXX, when i added XXXX $ into my checking account. i was able to purchase items and send money using my card, i even called BOA for help several times this week alone for help. So it was a surprise to me to find out that my account has been closed for a second time, again due to a business decision, i was speaking to a male and he also let me know that BOA notated on my account that i was not eligible for an account ( checking & savings ) after the first one initially closed. I was not notified this when i went into the branch nor was I notified this in the closure letter I received. They also let me know that it is pertaining to fraud, again i ordered a FACTA the first time this happened and it was clean of fraud so i asked if they can tell me about the fraud and was passed around in a two hour game of phone tag. I still have not received an answer to my question. I still have not received anything on my account or the whereabouts. My account was open for a month before i added any money and before they decide again to close my account due to a business decision.i have bills to pay I can not wait up-to ten days for my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: NJ
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:
for some reason I have 18 to 20 unknown inquiry 's on XXXX, Equifax. and XXXX  credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Hello Im contacting you guys because I have XXXX phone calls strange emails and notifications from credit bureaus about this debt collection that is not mine. This is completely fraudulent and I have never done business with this company. I need this to be removed from our credit bureaus immediately before I take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$180.00} XXXX XXXXXXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}

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 2022-07-26
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:
I have been dealing with Experian and have disputed an alleged debt that was sold from XXXX to XXXX XXXX. I am not claiming that this debt is mine ( I am looking into it ). But I am disputing what is showing on my credit report for now. I have disputed the date of last payment that is showing up on my credit report. I first disputed this on XX/XX/XXXX, and then on XX/XX/XXXX and lastly on XX/XX/XXXX, all of them came back as Remains with no changes made. The Experian credit report shows that the debt is new as of XX/XX/XXXX, therefore showing a fall off date of XX/XX/XXXX. Due to the first date of missed payment reported to Experian the date of removal from my consumer report is incorrect. Its as if the debt was started over just because the collection agency bought the old debt. In the correspondence ( collection letter & XXXX statements ) that came directly from XXXX Adjustments it clarifies that the due date for the account ending in XXXX was XX/XX/XXXX. This means that the last payment made was clearly before XX/XX/XXXX. XXXX XXXX also reported this debt to the other two credit bureaus but those are showing debt was from XXXX with a fall off date of XX/XX/XXXX. I have also attached a letter from XXXX showing that the alleged debt is XXXX days overdue ( almost XXXX XXXX XXXX ). This is in divergence to the date of XX/XX/XXXX reported on my Experian report. Experian has failed to investigate the dispute/claim, they say they have verified with the creditor and that the results Remain unchanged. They clearly did not consider all the verification that has been provided. Had they investigated the dispute they would have seen the evidence to show the collection agency is not providing the correct fall off date. This also insinuates that I have recently become delinquent with current payments to this so-called new debt. This is wrong and affects me terribly as some of my current credit card limit amounts have dropped. They are illegally hurting my financial well-being by re-aging and reporting late payments of this debt which is affecting any ability to acquire financing.

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 2020-01-02
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comentity Bank keeps calling my phone number repeatedly for my son-in-law, but does not contact him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: TransferWise Ltd
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
SUMMARY : On XX/XX/2022 my Wise.com [ Wise US Inc., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Compliance, phone XXXX ] account got hacked. Multiple unauthorized transactions were made to destinations outside the US amounting to US {$21000.00}. This is what I found out when I finally reached Wise in XXXX XXXX on XX/XX/2022. On XX/XX/2022 at XXXX pm I received an email with an Account Closure notification which triggered off my activities to contact Wise.

In the Wise terms and conditions they are committing to immediately send an email notification for each and every transaction being made online to review and make you aware of any fraud. This did not happen. Wise also has my phone number on file. They never called me. This is very poor Cyber Security service. 

I relentlessly contacted Wise by email, phone and certified mail explaining what happened and requesting a refund. Since XX/XX/2022 they never responded to me neither by email, phone or mail. In the attachment you can see all the details and dates. 

Note : How can you contact Wise.com : a ) XXXX phone number - nobody every answers The Wise customer service phone number you find on XXXX is XXXX with an automated response : " Hi, thanks for Calling Wise. Our phone lines are closed at the moment. Find another way of contacting us or check when our phone lines are open on wise.com/help. '' b ) Wise.com/Help : I could not use the wise.com/help as it requires you to log in, however Wise had closed my account. 

c ) I XXXX  Wise in XXXX, yes it worked on XX/XX/XXXX. I explained The person what happened, he promised to email an appeal form but never did. 

d ) I found address and phone number on the online Wise.Com XXXX XXXX XXXX for the US. I called them and explained what happened, he promised to email an appeal form but never did. 

e ) It is not possible to talk to Wise Compliance, you are blocked by the customer service and the customer service is of no help.

Company response to consumer: Closed with explanation