BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Bridgecrest Acceptance Corporation
State: FL
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:
BRIDGECREST FORMERLY DRI Last reported XX/XX/2022 Reported 30 Days Late on XX/XX/2022 In Florida, in a county/area in which I am residing ( XXXX XXXX XXXX ) XXXX was declared a disaster area by the Federal Government, as well as a State of Emergency Declaration by the State of Florida. Despite knowledge of this, the company refused to work with me and still reported me anyway. I have paid 100 % of my payments on-time, and this was the only month Ive ever missed an actual payment reported to the Credit Bureau XXXX 

Throughout the entire COVID-19 pandemic, I legally could have declared hardship, and never did. They were ALWAYS paid, even if late - I never crossed the reporting threshold of 30-60 days. Instead of acknowledging this, they tanked my credit. I asked XXXX to investigate and they IGNORED the disaster plea I made due to Hurricane Ian. 

As companies that have been investigated by the Government for FRAUD, they are quick to punish hard-working Americans who still have tried to pay their bills - despite two simultaneous disaster qualifications by the State and Federal Government. This needs to be resolved because of the storm declarations and such as, they have no legal right to do what they are doing.

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 2023-05-03
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: Old information reappears or never goes away

Complaint:
I have multiple accounts that should not longer be reporting to the credit bureaus because they have been " charged off as bad debt '' and I have already received 1099-C Cancellation of Debt forms from each and every single creditor reporting that I owe money on the closed accounts. 

I believe it is against the spirit of the law, and possible the US Code itself, to have a debt that is no longer legally enforceable ( due to passing the Statute of limitations ), have the debt cancelled, reported to the IRS, and taxed to me, and then continue to report it monthly as an open debt, or in collections. 

Reporting that the debt was cancelled and booking the loss, yet continuing to try to collect the debt is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-11
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Previously advised agency that I was in dispute with the original creditor regarding fees associated with move out.. carpet replacement fee, Agency refused to allow me time to negotiate with original creditor regarding this. They reported to XXXX after I adivised several times I wanted to discuss with original creditor.. within 1 30 day period they reported same account 3 times to XXXX in hopes of decreasing my score ... 
I am still in dispute of my liability of replacing carpet at apartment I paid apartment over XXXX dollars all I owed minus disputed items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CITIBANK, N.A.
State: FL
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX  XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : Us Bankruptcy Ct., ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND 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 2019-01-10
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I received a call from XXXX XXXX from Phoenix Financial stating they were trying to collect on a medical bill from XXXX. XXXX explained the bill was from the ER. I explained to XXXX that I had not been seen in the ER in XXXX, which he was referring to, and that debt was not my debt. XXXX proceeded to ask me, if I would like him to inform me of what the hospital visit was for. When he asked that, I realized that is not only a HIPPA violation, but also a violation of the FCRA. More so a HIPPA violation rather because I informed XXXX that that medical bill did not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$13000.00}

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 2022-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX and XXXX have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at XXXX and XXXX on XX/XX/20. They refused to remove the inaccurate and incorrect information.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-03-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was asked for an upfront {$20000.00} deposit by a XXXX  who uphold me a lot of XXXX  work. He gave me a total estimate of {$42000.00} as it was to include all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The first page of his estimate totals {$68000.00} and the second page says {$42000.00}. 
Anyone looking at it could see it does not add up, I asked for a detailed billing gir the {$42000.00} but he never gave me one. 
He did XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
I cancelled as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had to fit home for 20 days as he cancelled 2 appts. 
I told Amex to give him {$3000.00} which they did which was much more than he should have gotten. 
XXXX  is trying to keep my deposit snd he billed me {$16000.00}. 
He has services snd s mould that was not made The prices on this bill are unheard of. 
I told Amex and disputed it. 
Then they charged me back I then had to go to 2 more dentist who did XXXX and reports and that cost me over {$1000.00} The new XXXX confirmed thework was not done. 
It took me some time to find 2 new reputable XXXX. Im XXXX with s XXXX XXXX and Amex is refusing to give me my money back {$13000.00}. This has been ongoing since XXXX XXXXwhen I cancelled .This is a fraudulent dentist .Amex is ignoring it and Ive talked to 30 people but because the dispute dept is outsourced I go from one person to the next and nothing gets solved.

On top of it They refused to dispute one of the charge on my bill of {$7000.00} and in their terms it says I have the right. 
Its easier to explain via the phone. 
They refuse to send me their dispute terms. 
Today they told me I would be recharged $ XXXXand that it is a tort claim. 
Its not a tort claim. 
Ive been billed for services I never received and they have the evidence. 
Its very simple. 
My credit score is XXXX and Ive had Amex 30 years. 
They are really bad now. 
Ive called in over 25 times and it gets worse with each call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Submitted 3 written requests and 7 phone calls to have my credit report corrected. Transunion incorrectly combined my account with someone else. I was able to have the incorrect name, address, place of employment removed. Then called to have incorrect accounts removed which were. The second and third letters were regarding two bankruptcies that do not belong to me. They did not remove on the second letter but did not change information. The third letter included the court dockets to show the other persons name and SS # and rather than removing the bankruptcies, they readded the other persons information back to my report. All other credit bureaus are not including this information.

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 2019-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX XXXX in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating XXXX-XXXX  medical hardship, which resulted in her being in the hospital and XXXX for 34 days. I communicated this in XX/XX/XXXX, along with numerous calls to XXXX XXXX regarding each account that we had associate with XXXX XXXX. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's XXXX-XXXX medical condition. In turn, I continued to receive calls regarding the account. At this point. I have been receiving over 100 multiple calls from this credit collection agency and others regarding this account, which has caused undue XXXX XXXX and XXXX along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both US military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored me!

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are medical debts from XXXX XXXX XXXX XXXX showing on all of my credit reports such as with XXXX XXXX, Equifax, and XXXX. This medical debt does not belong to me. I have tried in vain to get this corrected with the credit reporting agencies via proper disputes, but no appropriate action was taken. As per the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws it is in violation of my rights to have inaccurate and medical information appearing on my credit file such as debt that is alleged from a hospital. This is also, in violation of my medical privacy as per the XXXX XXXX XXXX XXXX as this debt is not mine and I have not given consent for any establishment to share medical data pertaining to me. Furthermore, this is a third-party collection that I have no contract or relationship with and is not obligated to them. I seek expeditious removal of these erroneous items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: SLM CORPORATION
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Daily phone calls from Sallie Mae asking if I know someone called XXXX or similar name. Every time I tell them I have never heard of this person and please take me off their calling list. They tell me they will remove me and then call again and again and again. Non stop for the last couple of months. 
They are not calling about any debt that I owe. I have never owed this company money and I dont know the people they are looking for.

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 2018-08-08
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
From approximately XX/XX/XXXX, to XX/XX/XXXX, I submitted HAMP loan modification paperwork again and again-wrongfully denied the HAMP loan modification each time! The loan was given to XXXX XXXX   which was taken over by the notorious foreclosure king ( XXXX XXXX, CEO, " Foreclosure King '' ), OneWest Bank! OneWest Bank   continued to pretend that they are really interested in modifying my mortgage under HAMP guidelines but cheated me out of the HAMP modification over and over again! XXXX XXXX, a loan modification agent of XXXX/OneWest Bank, denied me, once again, the HAMP loan modification on XX/XX/XXXX! He stated that the property was not " owner occupied! '' He said that OneWest/XXXX XXXX came to this conclusion and is denying my loan modification because the " sent somebody to knock on the d oor and nobody answered! '' How is that fair!!?? OneWest/XXXX XXXX made no appontment with me, dropped by whenever they felt like it, knocked on the door, and then left. OneWest/XXXX XXXX said that nobody answered the door and therefore the home is not owner occupied!! Do you see the blatant deceipt and lie that Onewest/XXXX XXXX  used on me??!! They kept playing these horribly fraudulent tricks on me because they never wanted to give me a HAMP loan modification at all. They were deceitful liars all the way through! I was in loan modification with them on XX/XX/XXXX. They dis not care. They foreclosed on my home on XX/XX/XXXX,  forcing me to find another place to live! They stole my property from under my nose without paying any attention to the HAMP loan modification that was sent to them and because they were pretending and lying all the way through. Again, they had no intention of giving me a HAMP loan modification. They wanted to foreclose from the very beginning of the process and steal the property from me! I am very upset, as a hard-working, XXXX American citizen, and I am outraged that OneWest? XXXX XXXX were able to abuse me in grand theft property and home! I did everyhthing properly to modify my loan under HAMP guidelines and both XXXX XXXX and Onewest Banks did  everything improperly to frustrate me, pray for me to go away and give up the HAMP process, and ultimately steal and foreclose on my home, my property. This is why OneWest Bank is known as the " Foreclosure King! '' Please, for the love of justice and America, please bring me justice from this extremely crooked bank!

Company response to consumer: Closed with explanation