BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal gave unauthorized refunds to XXXX  and XXXX  on my behalf, and now is trying to charge me for it as a negative paypal balance. These are gambling companies that never asked for a refund, but was just issued by paypal without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 of 2019 my identity was stolen. Someone went to a shady website online called XXXX XXXX XXXX, and submitted multiple attempts to obtain an auto loan in my name. I found this out initially when I started receiving emails from multiple local companies about attempted auto loans in my name. Most of them didn't affect my credit but one local company put a hard inquiry on my report. I went to the store in person, obtained proof of the attempt to obtain a loan in my name. This documentation they of course have on file. The company has yet to contact the credit bureaus to remove the inquiry and both XXXX  and TransUnion will not remove the inquiry from my account despite attempts to dispute. They haven't asked for any documentation or inquired for further information. This ONE inquiry has substantially hindered my ability to improve my credit score. Please help! I am part of the XXXX data breach settlement which caused all of this in the first place. My credit accounts have had to be freezed indefinitely until my identity can be restored. Thank you for any help you can offer.

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 2017-02-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife and i are trying to buy a house and when my credit report got pulled a judgement of XXXX was on my report. When i dug deeper into it i realozed that this debit belongs to my father and not me. a couple years ago he showed me a letter stating that he needed to appear in court because midland funding was suing him for an unpaid balance.Also said it was for a credit card my parents decided not to pay anymore and just let it go. Now fast forwarding its on my credit and not my fathers. We have the exact same name cause we dont use our middle name. Midland funding did not investigate this matter to make sure they had they right person and now its affecting me and my family. I need this taking off my report immediately.My parents had the card for a very long time about 15 or 20 years. so that alone says i would be to young to have a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: NV
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:
Unable to log into my account and verify. My account is XXXX I have accounts with all other credit bureaus, this is the only one giving me issues. 
Receive error : We are temporarily unable to complete this request. 
Please try again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: WI
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: Problem getting your free annual credit report

Complaint:
For a couple years now, XXXX is the only report I can get on annualcreditreport, com. Equifax always errors out, and XXXX always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while Equifax and XXXX are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to close my account by sending my chopped up card back, but Barclay 's kept putting the {$99.00} on my bill. When I called, the operator said that they ignored my returned card because I didn't handle the refusal in " the proper way ''. Also, that I was paying for the past year. 

I was astounded because I have all original sign-up for the card, and it clearly states, the annual fee is paid at the beginning of the membership year. Furthermore, the notice of new fee was sent in XXXX. My membership fee according to my sign-up was to be XXXX. 

The operator was very rude. 

I waited until another bill was received. Again, another {$40.00} in fees. I called again. This time I got a very nice operator. However her accent made her difficult to understand. She told me my account was closed. I asked to speak to a supervisor and someone who might be easier for me to understand because I have a hearing problem. I was put on a XXXX minute hold. No help was available. I continue to get bills. I had an XXXX credit score that is now down t0 XXXX because of a delinquent account from Barclays. I continue to get bills. 

Amusing detail : Apparently, Barclays has taken over accounts for XXXX and XXXX XXXX and has sent me credit cards for these accounts. I'll probably send them back as I never want to do business with this company again!

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 2022-06-13
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my remittance coupon payments to Union Bank for XX/XX/2022 and XX/XX/2022 and both times they have rejected my payments and have transferred my mortgage into default. I sent them all the attached.

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 2020-01-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted Equifax and XXXX  on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B.  XXXX  is asking for another affidavit stating it does not look like an original when it was printed from the website. Equifax has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. Equifax continues to ask for proof of identity which I have supplied SEVERAL times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have contacted Current [ Current.com - Banking services provided by XXXX XXXX XXXX, Member FDIC ] about an issue with a transaction that I had originally authorized but due to the business committing fraud, false advertising, breach of contract, and not providing the service as presented I wanted to revoke/de-authorize and reverse it. Current is not being helpful with their canned replies to my report and their somewhat human responses seem like copy/paste replies with no value. They have also stopped responding to my messages. Here is my message that I had sent to Current ( Banking services provided by XXXX XXXX XXXX, Member FDIC ) : " Hello, XXXXXXXX  is a Money Services Business ( XXXX # XXXX ) whom I had previously authorized an ACH Transaction in $ USD in the total of {$2900.00} ( Shown as XXXX XXXX # XXXX ) from my Current account to my XXXX account deposited there on XXXX and was held as $ USD and gained a % on it as interest. I would like to revoke/de-authorize and reverse it ( Code : XXXX ) for false advertising, breach of contract, and services not provided as presented. They stated, " Access to Funds Easily : There are no lock-up periods. Withdraw your funds any time and keep the interest you earned. '' and also stated in the advertisement I found them through on social media that also stated, " Withdraw Funds anytime. '' On XXXX ( a few hours after initiating the deposit ) they locked the option to withdraw via ACH $ USD for ALL their users. This is both false advertising and breach of contract on their part as I can not withdraw any of my money and do not have access to my funds which goes against what they stated in the ad and on their website. I also did not receive the service as presented. I have attached the proof. Also, XXXX announced on XX/XX/XXXX that they will be shutting down and discontinuing their service at the end of this month ( XXXX, XXXX ). So my funds are stuck in my account there and I can not get it out by withdrawing via ACH. They are not responding to support emails from me and other users that are trying to get in contact with them. Please help me get this resolved. 

Thanks, XXXX XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record untilXX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, TX 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 2022-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I want to complaint about there being so many addresses and names on my credit report that should not be there.

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

Complaint:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
CashApp has a mobile app as well as a physical card. My entire ( physical ) wallet was stolen on XX/XX/22, including my XXXX-branded CashApp card. A number of fraudulent purchases totaling more than {$600.00} were made on XX/XX/22 at XXXX using the CashApp card. I attempted to dispute via the app, which is standard protocol for CashApp. My request was denied based on the fact that the " card was present '' for the transaction. I called CashApp on the phone and explained, yes, the card was present because the physical card had been stolen. They resubmitted the dispute on my behalf and today it was rejected again for the exact same reason. I called them and they said there is nothing else they can do in this matter except to send me information regarding how to avoid theft in the future which is not particularly helpful in this situation. 

It is very difficult to get in contact with anyone at CashApp who will listen to the specific circumstances of your dispute and follow up accordingly. A police report has been filed in this matter, and similar fraudulent transactions on other cards that were also stolen have been resolved with the respective card issuers. CashApp is the only holdout in this regard ( and of course it's the one where my losses were the largest! ) Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an online XXXX Savings Account due to an email I received directly from Citibank offering me {$100.00} to open the account, subject to the condition that I invest a certain amount of money into the account. I did so and Citi is now saying I am ineligible for the {$100.00} bonus as I didn't open another checking/savings account, too. This was nowhere in the offer, including the fine print ( full email attached ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: GA
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2015-04-14
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Receive a call everyday from this # XXXX..have called me every day as early as XXXX XXXXand as late as XXXX XXXX..they never leave a message and when I 've called back all I get is a recording that states please hold for the next available operator..no XXXX ever comes on..upon googling the # it comes up as Senex a medical bill debt collector..I 'm still not certain as to why they call because no message has ever been left ... but they call everyday..even on the weekend ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This message is to Follow Up on Complaint ID : XXXX with USAA Savings Bank. 

I appreciate receiving a call from XXXX XXXX and XXXX XXXX regarding this ID Theft matter. I have explained the scenario to them verbally and they have agreed to remove the account XXXX for {$4100.00} from my XXXX credit report, as this is the only bureau still reporting this account. 

I reviewed my report and came to find out that they removed the incorrect USAA Savings Account from my XXXX report. The account XXXX was removed instead of XXXX ( the fraudulent account ). The account XXXX is my account and I have not disputed this account. This is legitimate. It's the account XXXX that was activated without my authorization. 

I have been attempting to contact XXXX at ( XXXX ) XXXX, left VM messages as well, however no response as of yet. I understand that it may be the holidays. If this is the not case, please fix my account as soon as possible so I can move forward from this. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am a recent victim of fraud through Bank of America. Withdrawals took place using my information from my Bank of America XXXX debit card at XXXX XXXX ATM 's. I spoke with XXXX XXXX, and the representative informed me that they do allow more than XXXX withdrawals made at once from their ATM 's. The copy of my bank statement shows two withdrawals done on XX/XX/XXXX & XX/XX/XXXX in the amount of XXXX, and on XX/XX/XXXX, a balance inquiry of {$1.00} & XXXX made. The date and location for the withdrawals done on XXXX ; XXXX ; XX/XX/XXXX were at the following XXXX XXXX XXXX XXXX XXXX and XXXX and a balance inquiry at XXXX XXXX XXXX XXXX XXXX XXXX The thieves made a balance inquiry first to check if money was available in my account before they went on with making the more massive withdrawals. I filed a report with the police department in XXXX, where I reside and a claim with Bank of America on XX/XX/XXXX the day the fraud occurred and I became aware of the activity. 

I received a letter from Bank of America stating the following : Dated XX/XX/XXXX ; Claim # XXXX ; Amount : {$2100.00} ; Account ending in XXXX " We've completed our review of the above reference claim and have determined that no error has occurred in this instance. We now considered your claim resolved ''. 

I consider this unacceptable, and Bank of America should be refunding my money back to me. I contacted the XXXX police department, and they said they have seen a large number of similar situations like mine happening to customers of Bank of America. I believe Bank of America is responsible for refunding my money back for allowing unlawful access of my ATM card to the thieves who committed this XXXX. I would like to file a complaint on Bank of America for unlawful access to my card. 

I have not given out my card to anyone, and I am the only person that knows my PIN for this card. The card has been under my possession and I have not left my home, except for essential food shopping, due to our current stay at home order from the State of California. 

The XXXX of XXXX Police Report number is Incident # 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 2017-07-21
Company: Caliber Home Loans, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from Caliber was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on Caliber 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by Caliber to contact me on XX/XX/XXXX or XXXX as stated, this is simply a false statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted Experian and XXXX to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.

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