BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: MD
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:
I called XXXX to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few hundred bucks ( from the high 700 to the high 600 at the time, low 700 these days ). 
The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size.

From a logical point of view, this would push the cost of ( fewer ) large sums unpaid, on the ( larger number of ) small sums unpaid.

Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: FIFTH THIRD FINANCIAL CORPORATION
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 information incorrect

Complaint:
I called and tried speaking with a guy who answered the phone on credit card from 5/ 3 bank. I tried to explain to him that the lady I spoke with the night I called and told her I had my balance transfered to another account and I paid XXXX which was what the phone amount stated when I called for balance on credit card. But when I had the XXXX transfered over. The valance it quoted me was wrong I only owed XXXX?? But didn't remember change amount. So I called the bank and the lady told me two different amounts. One was XXXX and the other was XXXX? So I finally got her to tell me the correct amount and I even rd her several tines I had the valance transfered all except the smaller amount left. Which was XXXX? So I asked her to take that amount out i of my checking account and that the guy lied to me on high charges ud be having to pay which Id even ask interest ea month or charges just to use the credit card etc. He stated no. But when I used the card I seen they were charging my almost XXXX ea month just to use that card. So that's when I transfered main amount to another card and I paid the rest XXXX? And I even told her I was then cutting up the credit card due to I refuse to pay close to XXXX ea month just to boost my credit score. 
So a month or so later I seen that XXXX was taken out if my checking account. Shed took not only the XXXX? I still owed on the card but also took XXXX out of my checking account also. This was what I was trying to tell the guy I spoke with. That now because the lady messed up and XXXX XXXX instead of just the XXXX?. I told him I'm not paying two different charges on same amount when she messed up. So he put the XXXX back into my checking account like I asked. Which I thought this straightened it all out. But I now see he turned right around and put it to were I was having to pay the valance twice again. So I'm fighting this due to I transfered the XXXX dollars from XXXX credit card to my XXXX XXXX credit card which gas been paid off already. But you refuse to acknowledged my explanation on what I did and how I refuse to pay again for there mistake. Which this will be the third mess up this checking account gas done since 2012. 
I told them one more ness up to were I'm being charged for amounts that your receptionist mess up. That I'll close my checking account and bank from some where else. So this is what I'm going to do next month right after I get paid so I have time to contact the open accounts and give them my new account Number from a new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had sent CMRE financial a debt validation letter, because my insurance company had assured me this bill was paid, and CMRE was looking to collect this debt. CMRE returned to me a one page letter, with my name, account number, and a balance. I tried to contact the hospital to get some closure on this, and they said, since it was in collection, I had to deal with CMRE. This letter from CMRE obviously offers no help in finding out the details of this bill ( debt ). Not getting any satisfaction from CMRE, I filed a complaint with CFPB. 
Low and behold after I complained to CFPB, CMRE sent me some sort of billing statement. This bill was like no bill I had ever seen. It had not mention or logo of the hospital on it. It looked like it was typed up by any kid on a computer. From what I can decipher, there were charges, payments, payment reversals, but no where on there was the word totals or a total amount due. No past due amount-NOTHING! There is no way this can be considered a valid verification of the debt. On my last complaint I did not check for the CFPB to publish my complaint, because I was hoping the company would remove this from my credit report, and that would be the end of it. But not this time. I want the company to understand that I will continue to complain until this gets resolved. Please note that in 2014 I was diagnosed with stage 4 XXXX XXXX and have generated tens of thousands of dollars in medicals bills which my insurance company has paid. Please check my credit report. I do n't understand why this one out of hundreds of bills is haunting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit system is the debt collector over the account and has been contacted twice about the matter and failed to remove the item even though it showed in the rental application that rep XXXX looked at that it is in fact another social used on the application. There was also another collection for the same ssn XXXX in there for another apartment that was applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
I was looking into a chargeoff from XXXX XXXX  on my credit report. I contacted merrick band who forwarded me to a collection company XXXX XXXX That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX who stated they had sold the debt and no longer owned it. When I contacted the collection company ( XXXX, XXXX ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the  consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX XXXX   XXXX not mine XXXX/XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2022-12-01
Company: EQUIFAX, INC.
State: CO
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:
Someone else information/account has been added to my credit report. The account balance is XXXX opened on XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: FL
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:
I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery continues to call and always uses a different phone number. The reps sit on the phone and don't speak. I want the harassing and scarey calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
Company: CITIBANK, N.A.
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:
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.18, but to my surprise these company failed to block/update these fraudulent  account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31
Company: BANK OF THE WEST
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
my account is constantly locked my debt card was canceled and with the current times i cant go in the bank to resolve these problems i call they say to go to my local branch i cant thers a corona virus epidemic going on

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 2020-05-26
Company: Experian Information Solutions Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020 - submitted online credit application to XXXX  XXXX  XXXX   XX/XX/2020 - received emailed letter from XXXX XXXX XXXX stating denied for " history of delinquent credit obligation ( s ) '' XX/XX/2020 - contacted Experian for copy of credit report and after receiving that about a week or so later called XXXX  XXXX  office who told me to contact Experian who told me to contact XXXX  XXXX  who told me again to contact Experian - I've talked to them 3 times now with no resolution other than to tell me to call XXXX XXXX back XX/XX/2020 - I called XXXX directly based on info under Hard Inquiry on my credit report who also informed me they are not a credit reporting agency and that I have to talk to Experian XX/XX/2020 - called Experian again and was told there's nothing wrong with my credit report and to call XXXX XXXX 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 explanation
Consumer complaint received 2020-07-07
Company: STATE FARM BANK, FSB
State: NV
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:
I was lock down overseas due to Convid-19. my StateFarm account was charge with unauthorized amount {$50.00} by merchant company called XXXX a merchant account that is closed. The {$50.00} debit from close XXXX return to State Farm account and State Farm close my account checking account saying - {$25.00} owned and reported the account to XXXX. 

New ( XX/XX/2020 Tried to dispute XXXX charges but StateFarm agent XX/XX/2020 couldnt see any transactions in the closed account tried to get a specialists tried but couldnt get hold of one I wish to have XXXX account to be reopened and XXXX reporting information removed entirely from XXXX  database

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX XXXX XXXX, and I am dispute to dispute the fraudulent items listed on my credit report. I recently received and reviewed a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} AXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account on my credit, XXXX XXXX, that is the result of identity theft. I have requested the credit bureaus block the item from my credit report, but they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I submitted my first dispute on XX/XX/XXXX and never received a response of any contact in regards to that dispute which involved Chex system reporting an unauthorized account on my report from XXXX XXXX XXXX XXXX. They ignored my first dispute so I submitted another one online as well a complaint with the CFPB in regards to this matter. I am a victim of identity theft which I explain to the company already and well submitted a FTC report. this company is cause me tremendous stress due to the fact their letting a unauthorized account that is fraudulent report to my report after explaining and taken the proper procedures to let them know I am a victim of identity theft. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX company data breach. I also lost my wallet with all my person information in it. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will also seek litigation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if this this account is not deleted immediately off 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 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Account XXXX ss XXXX XXXX   ATM dispute. 
At XXXX, on XX/XX/2020, I attempted to deposit {$730.00}, cash, into ATM number XXXX on XXXX  XXXX XXXX and XXXX XXXX XXXX 

The machine immediately started making a lot of noises prompting me to immediately push the button to return my cash. However, instead of my money, it spit out a reciept that stated " we are unable to process your request and can not return your items. '' I instantly contacted the number ( XXXX ) listed on the receipt and I was able to pull of the machine XXXX dollarsof my money now I stand falsely assured that my money would be credited to my account. 

I am horrified and dismayed that after more than 2 months, I am now being notified that I stand to lose {$400.00}, because of a machine error. The cameras should reflect that no money was ever returned to me. Furthermore, if this is a common occurrence, a notice should be posted " deposits made at your own risk. '' It is imperative that the {$400.00} be IMMEDIATELY credited to my account, as I need it to pay for my mother 's XXXX home and as of right now, the account is in the red because of the error. I have call the company many times and they stand on their decision. This money is needed to paid for my mother 's XXXX home. 

I expect a call as soon as possible to rectify this situation. 

Respectively, 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