BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a Bank of America customer and have a direct deposit set up for {$250.00} per pay period. On XX/XX/2021 I received an email notification from Bank of America advising me that my direct deposit for XXXX XXXX was posted to my account. Since I am a XXXX XXXX  and was working on XX/XX/2021, I decided to wait until today ( XX/XX/2021 ) to make a transfer from my Bank of America checking account to my XXXX XXXX XXXX XXXX account, using my debit card for an immediate credit, but when I tried to transfer the {$250.00}, I received the information that my transaction was not completed, so upon verifying my Bank of America account, I noticed that my available balance was {$100.00}, and there was a pending transfer transaction to XXXX XXXX XXXX XXXX in the amount of {$250.00}. Since every time I make transfers to XXXX XXXX XXXX XXXX from Bank of America with my debit card, I receive immediate credit ; and I did not make a transfer today, I also noticed that the transaction was showing as " checkcard transfer '' which whenever I make transfers with my debit card, it shows as " transfer to XXXX XXXX ''. To insure I was correct, I verified with XXXX XXXX XXXX XXXX that no credit in that amount was posted to my account today, and then contacted Bank of America to file a dispute on a fraudulent transaction. I was told by a representative that nothing could be done as far as disputing the fraudulent transfer made on my account. I was then transferred to a second representative named XXXX at the Disputes Department, who said that a dispute could not be placed and the only thing she could do for me was to shut my debit card and order a replacement, but no other action was taken and my funds are still being held on that fraudulent transaction, making me late for my rent payment due today.

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 2018-02-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with PennyMac multiple times in XXXX, including once with a supervisor named " XXXX '' on XX/XX/XXXX who confirmed a mortgage payoff amount of {$110000.00}, that a demand statement in the amount of {$110000.00} would be valid through XX/XX/XXXX, and that a payoff demand statement would be faxed to XXXX XXXX XXXX the following day. 
XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX to advise that PennyMac had chosen to not respond to the title company 's request for a payoff demand statement and had told the XXXX XXXX XXXX XXXX that there was no payoff demand request that had been found. 
I called PennyMac with the XXXX XXXX XXXX employee on the line with me. The PennyMac employee that took that call stated that they found the payoff demand statement, valid through XX/XX/XXXX for the amount of {$110000.00}, and that it would be faxed to XXXX XXXX XXXX XXXX that day. 
The following day, XXXX XXXX XXXX contacted me to advise that they still had NOT received the promised document. I called PennyMac once again and remained on the line until the payoff demand statement was faxed to XXXX XXXX XXXX XXXX. 
The sale closed on XX/XX/XXXX. XXXX XXXX XXXX XXXX recorded the sale and disbursed the funds to PennyMac to pay off the mortgage. 
The day after closing, XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX stating that PennyMac had sent a second payoff notice with the same XX/XX/XXXX expiration date demanding an additional {$240.00}, threatening to increase the amount if not paid by the end of business XX/XX/XXXX, and threatening to return the amount of {$110000.00} and foreclose and auction a property that they had already received full payment on. 
I spent over an hour on the phone with PennyMac on XX/XX/XXXX trying to find out why there was a sudden difference in payoff amounts. I spoke with supervisor XXXX XXXX, who said she could not communicate with the payoff demand department and thus could not provide an explanation. She did not provide a phone number for the payoff department or provide any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX CONTINUES TO IGNORE MY LETTERS AND WILL NOT HANDLE THE VERIFICATION AND VALIDATION PROCESS OF MY ACCOUNT! 

THEY CONTINUE TO LIE ABOUT A PUBLIC RECORD ON MY ACCOUNT AND THEY ARE SAYING THEY FOUND IT ON XXXX AND THE BANKRUPTCY COURT! 

I HAVE ATTACHED PROOF FROM XXXX XXXX AND THE BANKRUPTCY COURT THAT NO DATA HAS BEEN PROVIDED! 

I WANT THIS PUBLIC RECORD REMOVED IMMEDIATELY! MY RIGHTS ARE CONTINUALLY BEING VIOLATED AS A CONSUMER!!!!!!!!!!!!!! 

THEY ARE IN VIOLATION OF THE FOLLOWING AND WILL BE HELD CRIMINALLY LIABLE OF EACH : 15 USC 1681a ( e ) -NEVER VALIDATED MY INFORMATION!

15 USC 1681b ( a ) ( 2 ) - STOLEN IDENTITY, NO PERMISSIBLE PURPOSE TO FURNISH MY DATA 15 USC 1681 ( a ) ( 4 ) - VIOLATING MY PRIVACY RIGHTS 15 USC 1681i ( 5 ) ( B ) - REINSERTED PREVIOUSLY REMOVED DATA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX reporting to experian report number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Consumer Adjustment Company Incorporated
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:
On XX/XX/2022 I noticed my credit rating had gone down over XXXX points. In looking at XXXX, there was a {$3500.00} " collection '' added to my report. This is NOT MINE. I have no idea what this debt is. We pay our bills every month and up until then had excellent credit. It says the original creditor is XXXX, a company I have NEVER even heard of let alone done business with. 

I disputed this with XXXX and within a few hours they said they " verified '' the debt with CONSUMER ADJUSTMENT CO and they closed my dispute. 

THIS DEBT IS NOT MINE. I've never had any outstanding debt. I've never worked with these companies. I am being targeted and neither this scam company or XXXX will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
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:
XXXX XXXX XXXX is in XXXX violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all 3 credit bureaus since XX/XX/XXXX. XXXX XXXX XXXX is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, XXXX XXXX XXXX is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, XXXX XXXX XXXX has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at XXXX XXXX XXXX, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
XXXX XXXX XXXX has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, XXXX XXXX XXXX perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.

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 2017-12-12
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Coinbase closed my account immediately after only two transactions, claiming that I was using my account for purposes not sanctioned by their company 's bylaws. This company deals exclusively with virtual currencies, such as Bitcoin and Ethereum and charge additional fees on top of every transaction you perform and have been known to swindle customers out of vast amounts of money for no apparent reason whatsoever. These customers are only given the option to remove all virtual currencies from their accounts within 30 days or else they will permanently freeze your funds so that they can never be accessed again. In my specific e-mail I was told that I was using my account for purchases or transactions that were " illegal '' when I used my bitcoin to purchase a collectible decoration from overseas and using bitcoin was easier to use than to perform a wire transfer and cost less money to do so. Because I had a problem with the product I received, I could not refund the item because refunds had to be made to the same Bitcoin wallet address that funded the transaction and therefore I am now stuck with a broken product and no way of recouping expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Capital One Financial Services ( servicer for GreenPoint Mortgage ), please advise if you sold this HELOC on behalf of GreenPoint Mortgage before XX/XX/2007. In addition, please furnish documentation of my HELOC note on my property XXXX XXXX XXXX, XXXX, PA XXXX that was properly indorsed each time the mortgage/HELOC was transferred recorded an unrecorded. 2.A clear documented chain of title, from the origination initiated by GreenPoint Mortgage Funding , Inc. up to its current " Trust & Servicer, '' in addition to all documentation recorded an unrecorded that match the records at the public office in XXXX, Pennsylvania. 3.Documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition, to all original notes, all payments made and all original documents that were executed from the originator up to the current Trust & Servicer 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has come to my attention that Simons Agency has placed a two derogatory remarks on my credit bureau files pursuant to me having paid them what you claimed that I owed them. They are account numbers XXXX and XXXX. 

When I paid them, I relied upon the belief that they would do the honorable thing and remove this derogatory comments from my credit bureau files which they not only failed to do but actually updated the date of last activity on this account, which extends how long it can be reported for. 

In doing so, they obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for me to file a complaint against them with the Consumer Financial Protection Bureau ( CFPB ) for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to their violations of it. In order for the Doctrine of Estoppel to apply, the party of the first part ( Simons Agency, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In their communications with me they told me that they would update my credit reports as soon as I had paid the debt to them. Quite naturally, I assumed and relied upon their statement to that effect to mean that they would remove the account in its entirety from my credit report. 

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. Section 623 imposes the following duties : If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). 
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). 
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the time I was XXXX  ( XX/XX/XXXX-XX/XX/XXXX ), someone fraudulently submitted applications in my name to Capital One. Capital One sold the account to XXXX XXXX in XX/XX/XXXX. I have made several attempts and provided documentation to XXXX XXXX showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Walwick, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: AL
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 name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquired on XX/XX/XXXX ; 2. XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 6. XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX ; 7. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 8. XXXX XXXX Inquired on XX/XX/XXXX ; 9. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 10. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 11. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 12. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 13. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 14. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 15. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 16. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 17. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 18. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 19. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 20. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 21. XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: MO
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:
There is {$530.00} fraudulent medical collection account still reflecting on my Experian credit report even after submitting a multitude of identity theft documents.

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FDCPA and FTC report 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 non-monetary relief
Consumer complaint received 2021-11-02
Company: Paypal Holdings, Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today XX/XX/2021, I received a notice from XXXX XXXX XXXX that I owe {$940.00}, reference XXXX. It indicates the original creditor is " PayPal/PayPal ''. I only charge {$78.00} for payment by PayPal, and have automatic payment on balance due. XXXX XXXX XXXX is trying to scam from me, a senior citizen ( XXXX years old ) out of the {$940.00}. I have contacted PayPal. I have been unable to make contact with XXXX XXXX XXXX. I have file complaint with Nebraska Attorney General. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: NC
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CCS Collections is trying to collect on a debt that isn't owed and is reporting false information to the credit bureaus and will not remove. There is no balance due to XXXX XXXX policy # XXXX. The CCS Collections account # XXXX needs removed from credit file immediately or I will seek legal action in excess of the {$360.00} balance they said is owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I took the proper steps to get these accounts deleted. 

XX/XX/XXXX {$9200.00} XX/XX/XXXX {$30000.00} XX/XX/XXXX{$440.00} XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation