BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Financial Data Systems
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 have filed several disputes on what I believe to be inaccurate information on my XXXX  credit report. I can't get into the XXXX  dispute system because they are constantly having problems with their website. I only have one of the dispute results readily available. 
There is a derogatory remark on my credit file for XXXX XXXX XXXX XXXX from XXXX XXXX XXXX for a collection of {$70.00}. I called XXXX XXXX for a copy of a bill as I have never received one. They tell me that they can't get a copy because it has been turned over for collection and I need to call XXXX XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX  to see if they can help me figure out what this is for. I get NO HELP from them. I am not going to pay something if I can't get a copy of a bill for it. 
This was on both on XXXX  AND XXXX. I file a dispute with both. XXXX  cleared it off of 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 2021-09-09
Company: Global Lending Services LLC
State: NJ
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 have know knowledge of this account and that you did not authorize the reporting of this account on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX which is a major cable company has reported that I owe them a debt of {$340.00} which I have no knowledge of never never had any cable with this company, XXXX XXXX  appeared on my credit report 2 yrs ago as I owe them this same {$340.00} I DISPUTE and it was removed now XXXX XXXX  sold this account to ICS SYSTEM INC which this company now reporting on the behalf of XXXX XXXX for the same of {$340.00} I contacted this collections about this and they stated that XXXX said that I had XXXX and I was unable to pay this. Well once I looked on my XXXX  credit reported ICS SYSTEM stated in comments that I had XXXX XXXXXXXX when i contaced them they acted like they had no knowledge of this, this statement this BLASPHEMY and I'm reporting they have brought my credit score down 60 pts because of this

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 2021-04-30
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from PayPal for months but I just remembered I could file a report on here as I feel like they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I recently was made aware of my credit report through XXXX XXXX that I was delinquent in two payments to CapitalOne. However, it wasnt my lack in not paying it was purely a misunderstanding. My account was normally being withdrawn each month with my set payment of {$100.00} as my minimum balance due previously was around $ XXXX {$30.00} per month. 
I have been trying to improve my credit score ( which was XXXX ) further by having better revolving credit use however my min balance had risen over the excess of what I was additionally paying. I've never, ever in my life had something like this happen and I also have never ever missed a payment. This is why I was unaware of any issues and CapitalOne was accepting and processing my {$100.00} payments each month even during my " delinquency. '' They have reported to credit bureaus that I missed 2 payments but they did in fact accept and process my monthly auto payments so that information is incorrect. I have since paid the remaining money and also paid the card off in its entirety. 

I wrote CapitalOne with this information, printed evidence, etc. and I received a response letter from them on XX/XX/22 that states they are required to report the account history accurately and they are unable to change their reporting on a courtesy basis. I completely understand that however, they still accepted and processed my payments so that information is not correct that I completely missed or was delinquent on paying. 

My credit score due to this has dropped over 140+ points and its detrimental to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: American Recovery Service Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the XXXX XXXX statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in 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 2018-03-25
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
XXXX credit card - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
USBANK - Business account illegally opened without my presence, had a party unrelated to the company on the account who was in fact the one who had opened the account. A total of XXXX in fraudulent charges to this account. Only recently discovered this when an investor was looking into purchasing my business and began questioning all of the non business related expenses. Have reported to local law enforcement, company fraud division, FTC. 
XXXX XXXX XXXX  - unauthorized signer wrote XXXX check to a friend. Have reported to the bank, local law enforcement and federal reserve.

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 2021-04-12
Company: EQUIFAX, INC.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted several times to dispute collection accounts from Professional Credit Management of XXXX Arkansas  for medical collections on my credit report that are not mine. This is also a HIPPA Violation. I have requested that they send me a copy of the HIPPA form showing proof that i signed it and they failed to do so. This needs to be removed from my XXXX report immediately! There are 4 accounts on my report from this company that are in violation of the HIPPA Law.

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 2021-02-13
Company: EQUIFAX, INC.
State: VA
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 was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: STATE FARM BANK, FSB
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:
These fraudulent accounts need to be deleted immediately : 1.STATE FARM BANK Acct # : XXXX 2. XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am writing now in wish to receive your help. Presently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX   and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have reported a high balance along with the payment history even after the account was closed. This is a violation of my FCRA 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 2018-04-12
Company: EQUIFAX, INC.
State: NY
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:
I am submitting this complaint about XXXX credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach XXXX as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: VA
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:
ON MY EXPERIAN CREDIT REPORT THE ACCOUNT FOR XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT WAS OPEN INXX/XX/XXXX AND I STOPPED MAKING MY CABLE PAYMENT TO THEM IN XX/XX/ DUE TO THE FACT THAT I HAVE MOVED AND I WAS UNABLE TO GET XXXX ON WERE I LIVED. THIS ACCOUNT IS REPORTING UNDER MY BANKRUPTCY AND DISCHARGE ON MY EXPERIAN CREDIT REPORT. THE ISSUE I AM HAVING IS IT REPORTING THE WRONG DATE AND YEAR WHEN I BECAME LATE. IT SHOWING XX/XX/ IT SHOULD SHOW XX/XX/XXXXON MY EXPERIAN CREDIT REPORT IS SHOW SHOW FIRST REPORT XX/XX/ NOT XX/XX/

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 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Spoke to a female representative at Bank of America, who explained to me that my check for {$260.00} would be taken care of to pay for my rent. The reason why I called is because I was checking to make sure that I still had overdraft. A week later, I receive a notice from the landlord that the funds were returned and to check with the bank. I called today and spoke with a supervisor named XXXX. XXXX explained that the previous person that I spoke with should have looked at the next screen and that I should have known that I did not have overdraft. He stated that my overdraft was taken away XXXX months ago.

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 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX Countrywide Home Loans , INC. initiated a securities instrument under the guise of America 's Wholesale Lender as a corporation organized, and existing under the laws of New York. AWL was never a registered Domestic or Foreign in NY State at the time of issuance. T he Assignment of Mortgage unto Bank of America N.A., successor by merger to XXXX XXXX XXXX XXXX XXXX XXXX Countrywide Home Loans Servicing XXXX. When BOA was assigned this note on XX/XX/XXXX they went into the NY Corporate Division to register AWL on XX/XX/XXXX fulfilling the deception that Countrywide admitted int eh lawsuits that were carried out in the Great Recession of XXXX ' the Biggest Scam in American Real Estate. This is " Securities Fraud ''. The Note and Mortgage are void because the alleged Lender America 's Wholesale Lender stated to be a New York Corporation, was not in fact incorporated in the year XXXX or subsequently, at anytime, by either Countrywide Home Loans, or BOA, or any of their related corporate entities or agents. America 's Wholesale Lender, and its predecessors in interest had no right to receive payment on the mortgage loan because the loan was invalid and therefore void because the corporate mortgagee named therein, was non-existent, and no valid mortgage loan was ever held by America 's Wholesale Lender or its predecessors in interest. The alleged assignment of Mortgage which purported to transfer interest in this mortgage to XXXX XXXX XXXX XXXX XXXX XXXX Countrywide Home Loans Servicing, LP as assignee was invalid because Mortgage Electronic Registrations Systems Inc. XXXX MERS XXXX, as nominee for America 's Wholesale Lender had no Authority to assign the ownership interest of said mortgage because XXXX was not the owner of the subject mortgage and was only a nominee for America 's Wholesale Lender, an alleged New York Corporation which was non-existent Corporation. Said purported assignment was without authority, and therefore invalid.

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 2021-02-09
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted, via XXXX XXXX, to receive a Validation of Debt. Midland Credit Management has NOT provided the Validation Letter in which they are trying to collect. Now they have sent me a 1099C for a debt they refused to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}, A WEEK AND HALF AFTER I REFINANCED, AND PAID THIS CARD OFF IN FULL. THIS ACTION HAS DRASTICLTLY EFFECTED MY CREDIT SCORE, AND ABILITY TO GAIN ADDITIONAL CREDIT. 

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts, and did over 1 mil in biz, all A rated, paid on time. 
In XX/XX/XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 
In XX/XX/XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, with comp values {$2.00} - 2.4. So my financial and credit situation improved with these transactions. In addition, I my credit was good enough to have qualified for an FHA loan. There were no derogatory information on my credit reports, and all in good standing. 
I completely paid off this BOA account, wanted to retain this account to use, for medical, etc. only when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
Directly after pay off, in XX/XX/XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. I tried to deal with BOA, but they offered no help. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.

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 2021-01-20
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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Company response to consumer: Closed with explanation