BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, I do not know the reason why I dont receive an answer from the different Bureaus, there is a lot of information on my report that is incorrect and Im trying to correct that, Ive been doing this for months now and havent receive and answer, I know the Law and they are supposed to send me some correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Someone put a bad check in my account. Hacked into my online banking system and deposited the check and then had a fake card made and stole all my money out my account!!!! I explained to us bank this issue and they are refusing to help me and charged off my account for more than 2,000

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 2020-10-30
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Im the seller and Im filing this complaint due to the unprofessional handling of the buyers information. During our process I understand that closing get push back sometimes but when the lender reaches out to the seller and disclose personal information about the buyer theres a problem. The lender has discussed sensitive financial information about the buyer and requested another extension. The lender kept in contact with over text and they still failed to preform closing with no communication with the title company or buyer but relaying message with the seller by text. Due to the disclosure of personal information of the buyer I feel it violate there privacy. The time I spent communicating back in forth with the lender has put both parties in a tough position. The buyer now needs to forfeit there escrow and seller needs to start there process over. Now I used to be a XXXX XXXX for over 7 and half yours. Passing others personal financial information isnt ethical. If you need contact information or text messages please reach out but this is not a good practice. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  The following accounts need to be removed immediately. It is fraud!!! 

XXXX/XXXX  XXXX XXXX {$570.00} Opened XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: AZ
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 been a victim of identity theft.

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 2019-11-02
Company: Experian Information Solutions 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:
Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX  XXXX XXXX Credit Card. The Removal Date that is stated on the Experian is XX/XX/2019. Today date is XX/XX/2019, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( 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 non-monetary relief
Consumer complaint received 2019-11-02
Company: United Military Mortgage, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
From : XXXX aka XXXX XXXX <XXXX> Sent : Friday, XX/XX/2019 XXXX XXXX  To : XXXX   <XXXX> Subject : How do you protect me from ALL OF THESE DAMN MARKETING HARRASSERS I receive monstrous amounts of marketing letters, e-mails and telephone calls from people who want to sell me this or have me donate to that, AND WANT ME TO REFINANCE MY VA LOAN. 

How are these annoying XXXX getting my personal information address, e-mail address, and telephone numbers? No matter how many times that I block information, or try to unsubscribe to e-mails or mailing lists I still keep getting these annoying contacts THAT WONT STOP!!!!! 

I am a 100 % XXXX veteran. Much of my XXXX is XXXX and XXXX. These XXXX marketers trying to sell me something, charities wanting my limited income, and the bankers keep on trying to get me to re-finance my primary VA Loan through XXXX XXXX, to get some equity out of my house ( and of course to pay them some fees that will be included in the closing costs, so they can make some money off of my back ). Every time that I get contacted about re-financing, donations, or marketing requests, my XXXX goes through the roof for a couple of days. Just about the time I get back in control a little, here comes another call, or e-mail, or letter. 

These mortgage marketers normally mention the fact that it is a VA loan and that it is a loan from XXXX XXXX. XXXX XXXX has my information marked so it is not shared with other companies or people. What public database are these hackers getting my loan information from? 

The last marketing card that I received had an identity on it for " Low VA Rates , LLC '' from XXXX, UT. It had a VA ID number XXXX and FHA ID XXXX on the card, and an NMLS ID # XXXX. There were License numbers from 11 states other than Utah. These state licenses on the card did not include Pennsylvania ( where my house is ), nor in North Carolina ( where the XXXX XXXX office that processed my VA Loan is ). 

Who is giving data out to all of these XXXX annoying marketers that wont leave us alone???? 

Youre supposed to be The Consumer Financial Protection Bureau. When are you going to start protecting me???????????????????????????????? 

My XXXX  wishes the law authorized harassed citizens ( like me ) the authority to go to these operating locations once they were identified and take sledge hammers to all of their computers ( including back-up databases ), typewriters, and telephone systems to destroy ANY possibilities that these hackers/spammers/thieves would ever be able to continue bothering people in the future. If they pass a law like this let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony bank keeps lowering my credit limit on my accounts so that it appears that I am over my limit or close to my credit limit therefore lowering my credit score. This keeps happening repeatedly and its ruining my credit score. They are responsible for this and I will pursue legal action if this isnt looked into. I have read numerous complaints on line from other consumers this is happening too. 
Example of this issue is I had a {$1200.00} limit on a Walmart credit card, I rarely use the card. I used it and had XXXX on the card and the next month I got a letter in the mail saying my credit limit was lowered to {$500.00} I did not use the card any further and continued to make on time payments on it. I got the balance below XXXX and then they further lowered my credit to XXXX As I pay the card down they keep lowering my limit thus appearing as though my card is almost maxed out. 
Did the same thing with a XXXX XXXX Credit Card, limit went from XXXX to XXXX, to XXXX after I used the card one time and made purchase for {$120.00} Upon paying off the balance they then lowered my limit to {$150.00} I have cut the card and thrown it out as I can not be bothered with this bank. They keep buying out other credit card companies and are managing the majority of store accounts. 
They need to be investigated because they are ruining peoples credit and this practice seems unethical.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: GA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2018-09-10
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
United Consumers engages in harassing tactics to collect debt that has been paid. They have robe called my home repeatedly and when I press 2 to talk to a representative the call is dropped. XXXX I reached XXXX XXXX, who refused to contact the medical provider verify the debt, which was already paid a while ago. XXXX XXXX insisted that I had to prove to her that I paid the debt or the harassing calls would continue.

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 2018-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
XXXX Bank Delaware reported that they sold an account to PRA group that are reporting on XXXX and XXXX. They said the account has been updated to show a dismissed chapter XXXX bankruptcy. Bankruptcy case number XXXX was filed XX/XX/2017 and has been confirmed. This account from XXXX still shows delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: AMCOL Systems, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ran credit report today and my credit rating is dropped by over 100 points due to Amcol Systems report for alleged debt or {$970.00} has been sent to collections. The alleged debt was originated from " XXXX XXXX Emergency Room '', which is part of the University XXXX XXXX XXXX XXXXXXXX. I was treated for a severe XXXX XXXX, and paid for the emergency room before I left. Months later I received a billing which I took to that same facility and told them the amount was excessive. I did not have health insurance and was told the debt would be written off. At no time during my emergency room visit was I told about potential costs or additional costs that may be incurred while the doctor performed additional XXXX and such to protect from malpractice. The XXXX were not needed for treatment, and were only for malpractice protection and were not ordered by me. I moved from XXXX and Amcol Systems has NOT provided me with option to dispute this debt as required by law. Amcol Systems is attempting to collect a debt that is not owed, and has adversely affected my credit score which will cost me nearly 2.5 % higher interest rate which will be nearly {$400.00} per month higher interest cost on my home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My account is permanently limited. I have no negative balance in my account either. I have money available in my PayPal but not allowing my to transfer money from my PayPal to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted written notification to Midwest Recovery Systems on XXXX/XXXX/XXXX asking them to validate this debt. Today is XXXX/XXXX/XXXX it has been 48 days and I have not received anything validating this debt. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I called to add my cc to XXXX XXXX  and change my number, without sending any alerts they blocked my zero balance card and asked for a copy of my drivers license. I did it and then they asked for a utility bill. I asked them to close my account they after giving me a lot of delays they did and said theyll send my positive balance by check. I asked for the annual fee to be prorated. They said no you already paid for it. Please help the American consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have had several accounts opened by fraudsters and it is now severely impacting my credit and attempts to rectify it have proved moot and unsuccessful. 

Bank of America had allowed my account to be compromised then subsequently reported me me to XXXX XXXX for an amount just over $ XXXXUSD. I am now unable to open an account to sufficiently build up a deposit history in order to buy a home ( which will be nearly impossible now with my credit score having sunk to under 500 because they also allowed someone to open a credit card in my name that they maxed out in under two days and I am now suffering from it ). Disputing information with this bank has proved pointless and they are proving to be vultures. 

This problems with my finances are making living everyday life hard and I am at the point where my mental health is suffering because of it. I need help!

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 incorrect address and name on my credit 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 2019-11-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My personal notebook was stolen by me in a public place with all my personal information. PIN # s. User ID, passwords. and that included my debit card from NFCU, ID. They went to withdraw money from the ATM/Bank. 

I called NFCU right away and they closed my accounts and opened new ones. I immediately changed all my passwords and put a lock with the 3 credit bureaus. 


All my other banks blocked the transactions except NFCU. The thiefs were able to go into my account and take all my money out. 

I have waited the appropriate time with NFCU to find a resolution. Everytime I call, there is no update on my case ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There's a XXXX credit card on my reports and I have disputed several times for 2-3 years in a row. All three refused to acknowledge my complaints about the activity that's not mines. I have even been threatened by XXXX in writing before that they will forward the information to all XXXX credit bureaus to impact my score in a negative way and that's what has happened. Ive asked time again to remove the debt from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
IhadlefttoliveinXXXXsinceXX/XX/2015andwhileIleftsomeonehadusedmyinformationandopenedcreditcards.
IamhereinUSAforavisitbutIstillwantmyfraudchargestoberemovedfrommycreditreport

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: Amsher Collection Services, Inc.
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX  XXXX  # XXXX, AMSHERCOLLECTIONSERVICES # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTION/XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT, I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT AS WELL AS THIS PERSONAL STATEMENT. I AM A VICTIM OF IDENTITY THEFT AND ACCORDING TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief