BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: ALLY FINANCIAL INC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 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 check 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 2017-05-30
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On or around  XXXX   XXXX ,    2017, I cal led  an American Express customer service representative to ask whether I could upgrade my Amex Everyday card to the Amex Everyday Preferred card. I was interested in finding out if there were any promotional offers associated with upgrading my card. I specifically used the word " upgrade, '' and it was clear from the context of my request that I was requesting a product change from the lower version of the card ( Everyday ) to the higher version ( Everyday Preferred ). At no time did I ask for a new card account.      The representative appeared to understand my question and told me that there was an offer that would allow me to upgrade the card and receive  XXXX  membership rewards points if I spent {$1000.00} on the card within the fir st three months of us ing it. I agreed, and I made sure with the rep that this upgrade would not result in a hard pull on  my credit score. The rep  said that she was n't sure, but she thought it would be a soft inquiry rather than a hard one. Again, this led me to believe that she was in fact processing my application as an upgrade ( i.e., product change ) and not as an application for a new card account.     When I opened m y Everyday Preferred ca rd on Monday,  XXXX   XXXX ,    2017, I real ized that the representative had in fact processed my application as an application for a new card account, and  not as a product change. American Express had done a hard pull on my  XXXX  credit report. This hard pull, in combination with the new card account, caused my credit score to fall at least  XXXX  points with all   XXXX   credit reporting agencies.      Making matters worse, the email the representative sent me after our c all ( atta ched ) included the la st five digits  of the Everyday card account that I was attempting to upgrade (  XXXX  ) instead of the las t five digit s of the new card account that was apparently opened later (  XXXX  ).      On  XX/XX/XXXX   and  XXXX ,  2017, I  call ed American Express to as k what they could do about this, but the representatives I reached diverted me from department to department until a representative diverted me to an automated line, which then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amcol Systems , Inc is fraudulently reporting a Collection Account to my credit file and I am not liable for any debt to them. I have requested multiple times for them to discontinue reporting this fraudulent collection account to my report and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My ex wife and I owned a home together before our divorce. We were told to sell the home through our divorce and we tried to do just that with Bayview to no prevail. I decided then before allowing a foreclosure to move back into the family home. I moved in and was given a modification but was NOT told that I had forced placed insurance on my home. Bayview Loan paid a local company to install a sump pump in this home which ultimately failed causing my and my family {$10000.00} in damages we were unaware were covered by this so called forced placed insurance. If I were notified in advance about this insurance by my company I would have never moved my family into this home. My loan specialist even admitted in email to having the sump pump installed in this home. Now, they are not fixing the mold issue and or replacement of the damaged areas in the home causing my family to be subjected to mold all over again which is a health risk for me and my newborn child. I have a total of XXXX children in this home and they are refusing to repair the home and cover the belongings in this home we moved into this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im writing you today to challenge the below reference account that have been placed on my credit report in erroneous, after looking over my credit report profile I noticed a few personal details about this account that doesnt appear as accurate on my credit profile, at your earliest convenience Im requesting that you delete this information and remove it off my credit profile for which its been holding me back from reaching my goals and also causing denial for credit opportunity imposing a harsh image on my credit profile, below I listed the personal identifiers thats associated with this erreronusly account under the FCRA Law I have a right as a consumer to delete any information that doesnt appear to be 100 % accurate and I have found inaccuracy in this reporting, I have reached out to the direct furnisher Multiple times since XXXX XXXX up until now XXXX I have USPS receipts as well ( see proof of receipts attached ) trying to get the best satisfactory resolution for this matter unfortunately I havent been successful, I under circumstances I have even got told this information can no longer be reinvestigated which is disturbing as a customer I feel my rights have been violated not only by PNC Bank, but also the XXXX who allowed this furnisher to continue reporting this inaccuracy. Every time I file a dispute to the XXXX  they allow them to modify the information listed on the loan which is insane! This account had been deleted from my equifax report ( see proof attached to this complaint ) recently in the past so Im confused as to why the other Reporting bureaus continue to allow this erroneous account to be reported, unfortunately it stills appear on XXXX of my Report, so how can you say this information is valid if it doesnt appear on all 3 Credit Bureau reports, not only is that jeopardizing the integrity of my credit but its also putting my credit at great risk I want to know who this account belong to. this is VIOLATING MY RIGHT AS A CONSUMER AND IM ASKING THAT YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT Thanks. 


Acctn : XXXX Name of account holder - XXXX XXXX/ please remove Address of account holder- XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX. Never been affiliated with this residence -please remove Phone number associated with the account XXXX never been associated with this phone number /please remove The above referenced information is what is affiliated with the account I have no acknowledgment of nor do any of the information reflect on my credit report as accurate, as a consumer I'm asking at your earliest convenience to remove this account off my report and send me an updated status of the removal thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Home Depot dropped my credit limit from {$25000.00} to {$500.00} and then demanded I pay the balance that was now over the limit ( which was approx {$4000.00} ). I have spent hundreds of thousands of dollars with their company and have never been late on a payment during the 10 years that I have been a customer. Two days before this happened, I paid off {$17000.00} I spent on a new kitchen just before the 0 % interest promotion ended. I believe that they did this as punishment for not exceeding the promotional period and accruing around {$7000.00} in interest. I tried to resolve this with their company XXXX times and after being transferred around from person to person over and over, they finally just left me on perpetual hold and never answered again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act EASTERNACCOS XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had not received my replacement Bloomindales credit cards. I am signed up for automatic balance notifications from Bloomingdales credit card and on Monday XX/XX/XXXX received an email from Bloomingdales credit card that I had a balance of {$710.00}. I immediately called and reported that I had not received the card and reported fraudulent charges. On XX/XX/XXXX another fraudulent charge in the amount of {$580.00} was posted to my account despite having reported the card missing and the XXXX fraud. Bloomindales Credit Card sent me a letter today XX/XX/XXXX stating they completed their investigation and found that an authorized user on my account ( XXXX XXXX ) authorized the charges which were made at a XXXX store on XXXX XXXX in XXXX. XXXX XXXX did not make the charges since I had not received the replacement cards. I will not pay Bloomingdales for fraudulent charges and requested that they send me 1 ) proof that they validated the ID for the alledged XXXX XXXX, which if did occur had to be fake ID and 2 ) signature proof that XXXX XXXX signed for the purchases. Again I will not pay for these fraudulent charges and would like the balances removed from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family. I have medical insurance through my provider of 7 years and never visited this 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 2016-03-21
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Kings Credit Services send a collection latters to my soon to be ex husband with his name using false pretense. my ex calls the company to dispute the charges they gave him out all my info and continued to call him everyday threaten him by telling him they will mark he 's credit if he does n't pay my medial bill. ..ex calls me and says will sew me if company marks his credit and continues to call him. I call company and requested they only call me they refuse to do so. I explain the only reason I stop making payments was because I lost my job and told them im not refusing to speek with them I tried to negotiate and settle the account and they refuse to they said they can only take full amount no payment options. ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted National Credit Systems and XXXX XXXX on several occasions, Spoke with XXXX and XXXX at NCS told me my debt was sent to a Law office of XXXX XXXX, and they had to handle it. Although they have continually reported this debt on my credit. I contacted XXXX XXXX they verified they had the deb.t Well I contacted the original creditor which the debt was reduced and told to pay National Credit Systems. NCS refused to take payment saying they no longer had. it. Spoke with XXXX XXXX, and paid XXXX XXXX because I wanted this to be over. To my knowledge it is illegal to continue to report a debt when you no longer have it. I am trying to rent again, and they will not accept the documentation/receipt because National Credit Systems reported and not XXXX XXXX. I have contacted them both and they keep giving me the runarounds. I have paid the debt and I want it removed immediately as it has harmed and was reported inaccurately. They need be held accountable for sharing information and not giving knowledge to the consumer until after. They need to follow the law and report the information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had my mortgage sold to Bayview Financial Services in Florida by XXXX in XXXX XXXX. I have been sending over double the payment every month since then. They have misapplied my funds very regularly and not applying my payment as instructed on the form to interest and extra to curtailment of principal. They are not permitted to call me. I have to call weekly to make sure they are applying the funds properly. In my statement of XXXX XXXX, XXXX it said I owed {$2100.00} and showed many misapplication reversals and suspense of my funds. I have no idea what they are doing as I received a certified letter in the mail about foreclosure because of three month non payment of the mortgage. I have all the bank statements and copies of all the checks showing that I have been paying {$1000.00} a month for two years. Now they are telling me that I should disregard this foreclosure notice and are applying the funds correctly but I am very worried something bad will happen to my property. Can you help?? I am scared and want my payments applied correctly on the date I mail them my payment and extra principal. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
An impostor faked to a company that fixed my computer remotely. He told me that I was overcharged and that the company moved to XXXX. He wanted to send me a refund into my check card but the security chip on it hampered the move. He asked for my account number to wire the money and I did. I wired {$900.00} instead of XXXX I had paid to the company ( XXXX computer repairs ). He called me to say that he send {$900.00} into my account and that I could send in {$500.00}. I went to Western Union XXXX and sent it. ( Tracking number XXXX. 
Sender -- -XXXX . XXXX XXXX of transaction XXXX Receiver XXXX XXXX Pay out Location -- Western Union XXXX XXXX fees {$14.00} XXXX ) I will like western Union to regain and refund my money. They should verify this impostor and call XXXX law on him. I was excited to get back some holiday money but instead got exacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
My concern is XX/XX/XXXX through XX/XX/XXXX. The transactions for these months do not add up. My XXXX XXXX XXXX statement does not show nor match my Bank of America statement. I have audited my XXXX statement versus my Bank Of America business account statements and see there are clearly additional charges to my bank account that are fraudulently charged. Please review these transactions and help me with rectifying this process. We first discovered these charges in XX/XX/XXXX and immediately requested the debit card used which ends in XXXX be deactivated and have since received a new debit card and have stopped using XXXX XXXX. Additionally, I filed disputes with Bank Of America only to be denied and told to dispute with XXXX directly as Bank of America stated the reason for the denial is I had a window of 48 hours to dispute any and all transactions to be considered. Of course this is frustrating as these transactions are small amounts which totaled a lot over time. Lastly, the representative with your company only listed one transaction in this dispute which looks like it is a valid charge of mine and not a fraudulent charge ie : The XXXX XXXX  statement for XX/XX/XXXX only shows four ( 4 ) correct charges but when compared to my XX/XX/XXXX Bank Of America statement is shows eleven ( 11 ) debits from my account which equals seven fraudulent transactions. Please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: Coinbase, Inc.
State: MS
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:
Throughout the months of XXXX and XXXX of 2022, Coinbase shut off my XXXX card and told me that I can no longer use it to make transactions because I alledgedly violated their Card Holder Agreement. I asked them to explain to me how I violated this Agreement, but they never actaully provided evidence that I violated anything. Instead, they just cancelled my card which prevented me from using it. I caused severe hardship for me and I was stranded while traveling because I needed to use it to put gas in my vehicle while I was traveling in XXXX, but they didn't care. I have several case numbers they provided me, but rather than resolving any of them, they just closed the cases. 

Here are a few case numbers : Case # XXXX, Case # XXXX, Case # XXXX, case # XXXX, case # XXXX, case # XXXX, and case # XXXX. 

The transaction amounts varied ranging from {$100.00} to {$2500.00} which they denied me access to my funds. This is a Coinbase XXXX card and I had more than enough funds on the card, but they still denied me access to my funds during the months of XXXX and XXXX. This put me into a deep state of XXXX and XXXX because I needed to use my XXXX card to run my business so my business suffered because I couldn't buy supplies or use it for marketing. I am still XXXX  over this ordeal and despite numerous attempts to get my card reinstated, they simply deactivated it on me. 

My XXXX XXXX has sky rocketed over this and I put on more than 30 pounds over the past several months because I have turned to food to comfort my nerves and emotions dealing with Coinbase.

Company response to consumer: Closed with explanation