BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute on XXXX XXXX for {$1000.00} with a big wheel XXXX XXXX using a American Express Serve debit card. No services was performed or received but this merchant charged my card and is refusing to give me a refund. Amex is saying no charge was unauthorized which is not true this merchant got a free {$1000.00} from my card and i demand a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have 21 different accounts with DEPT OF ED/XXXX and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.

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 2021-08-25
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: Old information reappears or never goes away

Complaint:
I have 21 different accounts with DEPT OF ED/XXXX  and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have 21 different accounts with DEPT OF ED/XXXX XXXXnd it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.

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 2015-06-25
Company: ADR ARBITRATION SERVICES (Closed)
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My Chapter XXXX Bankruptcy was discharged in XX/XX/XXXX and most all debts have been removed from my credit reports, e.g., XXXX and XXXX. Revenue Recovery Services is still showing negative remarks regarding this debt from XXXX XXXX XXXX in XXXX XXXX, TN XXXX occurring XX/XX/XXXX. This negative remark has lowered my credit rating considerably and has resulted in me being denied certain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, someone took XXXX from BOFA checking account. My debit and phone are with me. I didn't get any text or email alert. Transaction description is as shown below. 

XXXX XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXXXXXX XXXX ID : XXXX XXXX XXXX I don't know who that person is. 

Bofa created a claim and transfer my money to a new Checking account, froze the previous Checking account. 

Shockingly they stole XXXX more from old checking account even though there's XXXX balance in it.

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 2018-01-09
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I requested debt validation with this company in my letter to them Dated XXXX XXXX, 2017. I have not received anything from them ever since. I am a victim of ID theft and this account was fraudulently opened by my ex-wife by forging my signature and using my personal information. I did not benefit in any way from this account. I already filed a police report and had a notarized FTC affidavit sent to this company today. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2021-08-25
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them. This account was created by a fraudster under my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Capital One mislead me and had me under the assumption that my account was protected under their payment protection plan if I ever became unemployed and could not make my payments. I was unemployed and could not make my payments for three consecutive months. I was never notified by Capital One that the payment protection plan was no longer existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
My mother, XXXX XXXX, opened a Capital One secured credit card with a credit limit of {$200.00}. My mother accidentally added me to her account as an authorized user. I called Capital One to remove me as an authorized user and to not report anything to any major credit bureau. The customer service agent and his supervisor assured me since the account was just opened and a first billing statement had not been generated that nothing would be reported to my credit. The other day I receive a credit alert informing me Capital One reported information on my mothers account that I 'm no longer an authorized user for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX my social security number is XXXX I have a mortgage loan with bayview loan servicing my loan account number is XXXX the customer service number is XXXX XXXX XXXX their address is XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX .my complaint is that I'm two payment s behind I asked them to go on a repayment plan. They told me that I have to make a payment for XXXX .in which I did then allow sudden they tell me that I have to put more money down like XXXX dollars. I ask them can they accept the payment I made recently for XXXX. I only now owe XXXX and XXXX payment.. Can you please talk to bayview loan Serpvicing to see if they will process my repayment plan with the payment I made recently. I'm trying to work with them. But they won't more money down I'm only two payment s behind since I made XXXX payment. I'm trying to prevent any foreclosure from happening. I'm not in any danger now. Just two payment s behind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Southwest Collection Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called XXXX XXXX XXXX 's billing service to set up the amount " payments in lieu of reporting ''. In late XX/XX/2018. I agreed to this with the lady at thXXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX She said the account had just been forwarded to Southwest Collections. So I called them, Southwest Collections didn't even have the paperwork yet. I asked for a payment plan of $ XXXX month in lieu of reporting. They THANKED ME with 19 Derogatory reports, all dated XX/XX/2018. I was not given the thing I bargained for and for this reason I feel I should not have to pay the amount. They are in the wrong because I said over and over I'd pay in lieu of being reported. I feel I've paid enough under the circumstances.

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 2023-02-27
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Amsher Collection Services, Inc.
State: TX
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: TX
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:
PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. SANS RECOURSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I opened a credit card with capital one XX/XX/XXXX. For some reason, they blocked my card before I could use siting fraud/possible identify theft reasons. I submitted everything they needed to prove my identify including my social, drives license and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent in my police report and my FTC affidavit to the three credit bureaus I called last month and talked to XXXX  and Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after i sent in my police report and filing a police report. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them I spoke to XXXX who said he was from the fraud department integrity team and stated that and she didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Block the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department they keep reporting a fraudulent account from XXXX XXXX Account Number XXXX and XXXX XXXX XXXX account number XXXX this is completely fraudulent and they are knowing and willing causing me damages, embarrassment and emotional distress

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 2020-03-06
Company: KLS Financial Services, Inc
State: TX
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:
Recently I was shocked to see this account reporting on my credit by KLS Financial Services. I disputed with XXXX, XXXX  and XXXX  in which they verified the account as accurate. 

I requested verification from KLS Financial and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, XXXX  and XXXX  and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX XXXX   : XX/XX/XXXX XXXX  : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Hello I am requesting the removal of a bankruptcy from my XXXX report, and Trans Union report. Per tge FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original Creditor, they must remove said information from the consumer credit file ''. 

Bankruptcy Case number # XXXX The County Recorder of Deed and Bankruptcy Courts have mailed me letter which stated thaty do NOT provide any nformation to credit reporting agencies, nor do they ever validate and/or confirm pubic records. Public records information is NEVER valiated by the Recorder of Dees nor the US COurt system due to the Fair Credit Reporting Agency Privacy Law. 

Per the Federal Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are require by federal law to verify through physical verfication of the original signed consumer contract and or judgemnt all accounts public information that you post on anyon 's credit report. As such, if this unauthorized pubic recored information is not deleted from my credit report within the next 30 days.

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 2015-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I need all the statements on this account since its inception in XX/XX/XXXX, and the signed and dated original credit card application which shows all my pertinant personal information and signature. This has been requested since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: First Advantage LNS Inc.
State: TX
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:
PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 

SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I checked my credit reports online. I found that USBank had done a soft inquiry on XX/XX/XXXX and XX/XX/XXXX. I have reason to believe that a  specific branch manager has checked into my accounts to see our " assets '' value. After speaking with my local branch manager, I called the XXXX number as advised. After an hour of being passed from one department to another I was told that they had no way of checking this or any way to see if my information was checked. I then contacted XXXX XXXX XXXX, Execuitve Director of credit disputes, by mail on XX/XX/XXXX about these inquiries. XX/XX/XXXX I received a letter regarding an inquiry on XX/XX/XXXX, which I was not concerned with, but nothing about the XX/XX/XXXX dates.

XX/XX/XXXX I sent a letter to USBANK Bureau Inquiry requesting the reasons for the XX/XX/XXXX inquiries and have had no response. I included copies of my credit reports in these mailings. 
I do understand that a soft inquiry does not effect my credit score. This would be a case of security and privacy breaches. Please advise.

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