BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: BSI Financial Holdings, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am out of work and my mortgage is currently being paid by a charity on my behalf they require a bill or a remittance page each month for every person company that they pay I have been in contact with BSI at least 10 times a month for the last 5 months and has not been able to acquire but one printed bill I must have a monthly billing statement mailed to me so that I may fax it to the charity that's paying my bills. I feel that there is a systemic issue with the company to increase revenues by forcing people like me to have late fees. I also feel that they're inability or incompetence with complying with my simple request for a printed bill each month mail to my home in a timely manner that I may continue to make my payments on time is a tactic to keep customers like myself with in a low credit rating status and late fees and other fees associated with creating revenues for their company. I have spoken with them on multiple occasions I have emailed them and I still can not get a printed bill so that I can have my bills paid on time by the charities of XXXX XXXX XXXX. I hope that you all will help me by looking into this matter. I have unreliable access to Internet because my phone and internet may be terminated at any moment I therefore require written correspondence which they have refused to send. Also in the past few months I have received only one electronically generated remittance page I need your help thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Information belongs to someone else

Complaint:
Experian is will fully in-complaint to my request to remove items being reported on my credit report due to identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: CITIBANK, N.A.
State: NY
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, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Went to XXXX XXXX XXXX, notified them that treating doctor referred me to another XXXX, they put it on my Credit Report XXXX, notified my attorney who sent the attach letter below. Now it is on XXXX and XXXX. Went to apply for an apartment and my Security Deposit was increased by {$500.00} this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: JPMORGAN CHASE & CO.
State: GA
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:
Greetings XXXX is XX/XX/2019. 
I just attempted to have Chase Manhattan Bank address and resolve this issue and i am givin the runaround. This is about the 4th time Chase has done this. 
Inaddition, Chase was notified not to allow anyone to access my account and they did exactly the opposite. Not only did they allow someone to access the account. They also allowed someone to over draw a account that only had a {$1000.00} line of credit. So now the account is over drawn. So now that they have made this error due to incompetence, and disorganization. They refuse to remove this charge. 
In my best interest the account is being paid the minimum monthly because closing the account only benefits then to beable to charge this account off and sell it to a collection agency. Which is another headache. I appreciate your assistance. Please don't hesitate to contact me for further details. I have all of my notes, dates and representatives i spoke to. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX XXXX I received a phone call from my husband threatening me, and letting me know he was gon na destroy me, hours after, all my devices were hacked, my passwords were changed and my private information was deleted, I called the police several times but as today Im still being hacked, I lost my job And I have no incomes to pay the credit cards, I called the phones companies ( XXXX , XXXX XXXX, XXXX  ) in order to get some kind of help, but unfortunately I didnt get it. I have called the different companies to let them now about my situation, but the option that they provide are no really helpful according with my situation. They keep charging fees and interests, plus I still dont have access to my personal account, and every time I try to create a new one is been hacked again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a added as a authorized signer to a existing XXXX XXXX XXXX credit card, I never signed anything in writing, electronically, or by any other method agreeing to be responsible or to pay and debts. The card holder later filed bankruptcy to which I was not a party too, and the credit card default was added to my credit file. I disputed the reporting with the credit bureau and explained that I had to signed anything or agreed to anything with the credit card company, I received a answer just stating the account was found to be valid. I mailed a letter requesting to be provided proof of my liability which went unanswered. I dont have any files to upload simply because I never applied for the card, received a statement for the card, or had any dealings of any kind with XXXX XXXX XXXX concerning the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
i never recived a letter or a debit card from yall when i first filled for unemployment so now i have noway to claim my weekly benefits .... what do i do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2020 for 30 days. 


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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$25.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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: Account information incorrect

Complaint:
My credit is lower than expected. I have paid all my bills on time and for my credit score to be in the 500s is ridiculous How much credit i have should not impact my score that significantly when i pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently in the care acts forbearance and was current on my loan when I entered in the forbearance. ( They are not reporting current it is being reported as deferred ) I have requested multiple times to to remove my escrow to make my payments like {$1400.00} cheaper during this pandemic. I was told that I have a 5 years seasoning period and that XXXX XXXX was the one that put the seasoning period. I spoke to XXXX at XXXX XXXX he has confirmed that I do not have a seasoning period on my loan. Now XXXX is saying that I have a high price loan and that CFPB is the one with that in place. I called the CFPB today and requested to speak to someone to get an exception for my loan as I am doing what I can to lower my monthly obligations so I do not go broke during this pandemic. Nobody is there to make a call about their guidelines! I need to have my escrow removed. This will make my mortgage more affordable and in short there is no risk to the investor or lender or servicer as the insurance will send a copy of the new policy each year to the servicer and tax office will send out statements to the servicer if taxes are not paid. Also, escrow can be placed back if I do not comply with my obligations as a homeowner. So, in short I need help. Please call me at 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 2022-08-06
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 at XXXX a.m. eastern time. I had called the customer service support center at XXXX and spoke to a representative named XXXX. I inquired about the status of my current Aspire credit card and asked him on why did the company decided to close my credit card account? I also told him that I had also received an e-mail from Aspire on XX/XX/2022 at XXXX regarding to the closure of my account, due to the fact that I did not use my card regularly even though my balance is absolutely at {$0.00} and I had always made monthly and annual payments for the fees they had charged me in full and early but never been late or short in payments. He told me that I was right and correct but he said what he is seeing on his computer is the one and only reason why it was closed because of non-use of the credit card regularly. I immediately requested to see if I can speak to a different department who is authorized to review and reopen my account or someone who is higher in rank that is authorized to do the same but the representative became defiant so he refused and ignored my request. He told me I have to reapply again or wait for an invitation. He wanted to end the call quick and not provide outstanding customer service like he is supposed to as I am a valued consumer. The representative is very poorly trained and clearly ignorant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, Portfolio Recovery Associates, who is all violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ).

Portfolio Recovery Associates are falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which also resulted in my FICO score taking a major plunge because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this debt collection agency was removed back in XX/XX/2017, only to learn they are still falsely reporting to all 3 major credit reporting agencies. I am still trying to understand how they were able to just report the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies.

I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding previous complaint number # XXXX. Collection Consultants of California offered a pay for delete to resolve medical collections as a remedy for disputed collections. I believed this issue was resolved, but there are still 2 collections from Collection Consultants of California that remain on my credit report. One account is being listed on XXXX, and the other is being listed with XXXX. I contacted Collection Consultants of California and spoke to XXXX. She advised me that there was an error made, and that the amount of {$1300.00} was additional and should have been included in the previous complaint. I expressed to her that I thought this was totally unfair and that I thought the previous complaint resolved any open collections. She apologized and stated she could make an additional offer to delete. I did not want to comply because I felt that I was being mistreated. I recently contacted Collection Consultants of California again to speak to XXXX, on XX/XX/XXXX and XX/XX/XXXX and was told she was not available. Both times I was advised that a message would be taken and given to her. I still have not received a return call from her. These medical accounts have affected me negatively for a really long time and I don't feel I deserve this, especially since I did have insurance at the time of the billing. I would like to get this issue resolved once and for all without any accounts showing back up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
Experian stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts 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 2021-01-30
Company: Experian Information Solutions Inc.
State: AL
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 account is not mine. The contract had me as a primary and I never attend the school. Im a XXXX XXXX  and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a XXXX, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.

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