BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, " COLLECTION BUR OF AMERICA ( #  XXXX ) - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX " Called and for a missed & valid payment of $ XXXX. told me it is in collections and if I pay in full, it will not negatively reflect in my credit report and made a false promise and provided me incorrect information. The original due amount came to collections on XX/XX/XXXX ( got from my credit report ). since it is paid in full, the collection item is reflected in the scoring model as a new item with a new updated date. ( FICO Score 8 model used by many financial institutions ).  The scoring model is unfair to the consumers who have taken their responsibility of taking care of the payment in full. 
This raised further questions for me ( XXXX  ) : 1. Why should the score be lowered when the collection item is paid in full? It makes sense when it is unpaid, penalizing on the score. 
2. Why should the longevity of the paid collection item and unpaid collection item be treated the same? Is the risk not different between someone who took care of it and one who did not? Why can't items be removed when paid in full? 
3. I found institutions using the same report and model and coming up with different scores? Why should it be inconsistent? 
4. When Credit reports and Scores are sold as service to the institutions based on the consumer info ( my info ), why only credit reports are free and why not the scores?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2022, XX/XX/2022, and XX/XX/2022 a merchant called XXXX XXXX XXXX XXXX charged my wells fargo checking account in three different occasions. Wells fargo is saying because I have a history of buying online crypto in the past from other crypto websites they won't investigate or protect my account from these three unauthorize transactions. In what world does me buying from another site, automatically " disqualifies '' my account from having protection?

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 2017-07-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
An account showing delinquent on my credit report. I contact the company and they request it remove from all   XXXX   credit bureau.   XXXX    removed it but equifax refuses to remove it on several attempts from me and from the reporting company. They state that regardless if the account does n't belong to me it has to stay on my credit for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I noticed XXXX hard pulls on my credit, I first sent letters to each creditor that had pulled my credit and NONE were able to provide justification for the inquiries. I then disputed with TransUnion via letter on XX/XX/XXXX, I received a notice that the investigation had begun on XX/XX/XXXX. After failing to receive evidence of the validity of the pulls, I sent a letter via certified mail on XXXX requesting that the pulls be removed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). TransUnion responded stating that the investigation was started ( the same generic form letter I received on XX/XX/XXXX. I then filed a complaint with CFPB on XX/XX/XXXX. TransUnion responded with the same generic response and told me to contact the creditors directly ( I ALREADY DID!! ) PLEASE enforce the Fair Credit Reporting Act and force TransUnion to remove these unauthorized inquiries. I am also filing a complaint with the FTC.

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 2017-07-18
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from a company claiming to be  XXXX  or possibly Americollect claiming they had accounts of about 800 dollars in my name.
I have received no notice from any credit account or creditor claiming i was delinquent. I have received no notificaiton from anyone that i had outstanding debt about to go into collection. I received no letter from any collection company. I was told they mailed a letter to me on   XXXX   XXXX  .
Following the phone call, i ordered an  XXXX  credit report. My report shows that i have no accounts that are in collection and have paid on time on my accounts since 2013.
the collection company will not tell me who is claiming that i have delinquent accounts.
My credit report shows i have no accounts in collection and this is very distrubing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed TransUnion,  XXXX , nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given TransUnion,  XXXX  and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.

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 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have applied and issued a credit card two months ago with XXXX XXXX and until now my credit score runs as " no score available ''. My old address is even still being used by Transunion and XXXX when running my credit scores. Not having a credit score is making my life a nightmare here. When calling them, each of Transunion and XXXX would tell me that the update reporting has to be done by my bank facility which I then call and am being told they had already done the reporting. I am lost in the middle.

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 2015-09-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job during the economic crash in XXXX and could not regain my salary until XXXX and have been asking to get a fresh start loan modification and Carrington Mortgage denied me because I make too much now. There is no way I can reinstate for of XXXX. HELP I must save my house. The denial occured on XXXX/XXXX/XXXX and I have until XXXX/XXXX/XXXX to APPEAL, and during that time there is no foreclosure but the sale usually is set for the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: ERC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ERC repeatedly contacted my grandmother over a debt I supposedly owe for a phone bill. The bill was never sent to my address, which would 've been the only address within the phone bill account. I have never lived in the state that my grandmother resides or been associated with her address. These are illegal collection practices, as this information was never provided to this debt collection company. I received the bill recently from my grandmother that 's dated for  XXXX / XXXX /2016. I 've contacted the company. They were very rude. I was completely unaware of this debt, as they 'd been sending it to the wrong state. They apparently have sold the debt, so they assured me there would be no more bills sent to my grandmother. This illegal collection practices need to be stopped. It 's definitely a defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had already spent over 10 hours with customer support at Bank of America.
I had opened an account on XX/XX/XXXX based on {$300.00} cash bonus if I deposit {$4000.00} into my account.
My account was opened with   XXXX   XXXX  , BofA,   XXXX   XXXX   XXXX  ,  XXXX , CA  XXXX .   XXXX   XXXX   XXXX  . (   XXXX   XXXX   XXXX , AVP ) Two direct deposit went into my account from my employer on  XX/XX/XXXX  and  XX/XX/XXXX .
My employer is   XXXX   XXXX  , I work for   XXXX   XXXX  , this is my Bank email address.
Presently your branch is in breach of a legal contract and misrepresentation.
This is a demand for immediate payment of {$300.00} by close of business Monday  XXXX / XXXX /2017 + interests + restituions of my time spent due to repetitive follow up with BofA where BofA was very blatant with non-performance in a timely manner and in showing a purposeful intent not to resolving open escalated complaints #  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 monetary relief
Consumer complaint received 2022-01-04
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX, who sold a payday loan to XXXX XXXX, then National Credit Adjusters, then back to XXXX XXXX, and NCA again, is still showing an account balance and is reporting a debt for an account that is beyond seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
On Friday, XXXX XXXX, 2015, at approximately XXXX I received a call from XXXX in reference to restructuring my credit card interest percentage to a lower rate based on my superior credit score. The suspect stated that they had my account information up on the computer and I needed to verify the card information and personal information to make sure I am truly the card holder. They first started with my date of birth, then proceeded to ask for the security code on the back. Next, he asked me for the card number itself. For each of the questions he asked for, I provided erroneous information, knowing that this was a true scam. Once he asked me for the information again, ( apparently my information could n't be confirmed XXXX I then told him that there was additional information on the back of the card and asked if he wanted me to read it to him. Eagerly, he stated, " Yes! Please! '' I read, 'I am not XXXX! '. Immediately, I heard an extension pick up and another male voice screamed that I was a " mother XXXX '' and my he was going to XXXX my mother ..., etc. You get the message. I requested that we should meet me to go over my account in person. He rudely declined the offer. Obviously this was a scam that I hope you can bring this kind of XXXX to justice. I am willing to testify to the conversation and will support any kind of prosecutorial investigation that your agency is committed to. It is my belief based on the persuasiveness of this individual that many elderly people will be victimized by this scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Freedom Mortgage Company
State: WV
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:
Freedom Mortgage continues to report account as being delinquent. Credit report shows last payment was  XXXX  2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.

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 2017-07-18
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On  XXXX / XXXX /17 the debt collector called a family member with out my permission. They also contacted a friend of mine on  XXXX / XXXX /17. AGAIN WITH OUT MY PERMISSION! They should only call my cell, which is the only number first given. The amount for my debt is about 700.00.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Collection Bureau of the Hudson Valley, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My father died last month, since then I have been getting calls and debt collection letters on accounts that were closed, The collection bureau of the Hudson valley sent me a bill with a larger amount that the credit limit I had. It also showed activity including payment in 2016, I sent them a copy of my bank statement showing I did not pay or charge anything last   XXXX   as my father as in the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America Allowed for a fraudulent account to be opened in my name. I discovered this account when I pulled a copy of my credit report and the account was showing on my credit reports with  XXXX , and  XXXX , and  XXXX . I did not apply for a card with Bank of America and I have contacted Bank of America to make them aware of this fraudulent account yet they have refused to do anything about it. When I called in to Bank of America about this card they told me that I would have to pay for the card even though it was fraudulently opened. I explained to Bank of America that I was a victim of identity theft and that the account was opened in my name without my knowledge or permission but they have continued to refuse to assist me but only continue to threaten me that if I do n't pay the fraudulent account that they will ruin my credit. I should not have to pay for a credit card that was opened fraudulently and is defamation of character to report fraudulent information about me on my credit bureau when Bank of America knows that this is not my account because I have told them many times both by calling and by certified mail.
The fraudulent account number is  XXXX . This is a fraudulent account and I am not responsible for bank of America opening it in my name or the charges on the card.

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 2015-08-14
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatidly disputed account number XXXX with the credit reporting bureaus about Ad Astra Recovery Services and their aggressive and frightening collection tactics. I have asked doth bureaus to investigate and validate this debt that I have paid in full with XXXX XXXX and delete it from my account. I do NOT owe Ad astra anything and they have recently been calling my cellphone at late hours and leaving voice messages with a machine regarding this supposed debt that I know i do not owe them. Please investigate their aggressive and illegal attempts at taking money i do not owe them. they have not even provided any valid evidence nor have they communicated properly with me regarding my disputes and request for them to stop contacting me, especially with automated systems. They are so embarrassing and annoying. They need to delete their account from my credit reports immediately or I will contact an attorney. This is my last warning to them. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: Credit Plus 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:
FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS XXXX XXXX. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" CREDIT PLUS '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: WV
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:
XXXX   XXXX   continues to report account as being delinquent. Credit report shows last payment was  XXXX  2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2016 I made a wire transfer for {$3700.00} for goods purchased through XXXX through my Business Checking account at Capital One. After 14 days, the funds never made it to the recipient. I had Capital One initiate a trace on the funds and XXXX XXXX, from Capital One Branch in XXXX, Texas ( Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ) told me that she did not know what happened to the funds. I made multiple attempts to resolve this issue with her, and Capital One customer service with no resolution. Finally, I contacted the XXXX and filed a complaint. They told me that I requested to cancel the transfer on XX/XX/XXXX ( I did ) and then requested to recall that cancellation the same day ( I did not ). The beneficiary has not received the funds and it has been over 4 months.

Company response to consumer: Closed with explanation