BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
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:
I filed a complaint on Select Portfolio Servicing in XXXX of XXXX because I was not receiving my monthly statements on time. In XXXX I received my monthly statement on XX/XX/XXXX and in XXXX I received my monthly statement on XX/XX/XXXX. I called and complained, I did finally receive copies, but the font size was so small it was unreadable. After I filled a complaint my credit score went down 76 points. I did not choose Select Portfolio Servicing Inc., XXXX XXXX sold my loan to Select Portfolio Servicing. The complaints I have have read on this company is a tell, tell sign of what I am experiencing. When I called in XXXX a customer service rep. told me that XXXX XXXX owns my loan. I have not been able to confirm that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Account XXXX XXXX XXXXHas violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2020-01-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My XXXX XXXX gave me a brochure from XXXX XXXX, which offered financing for my procedure. They had a plan where you could spread the cost over 12 months with no interest. I was told I would need to call them directly to apply. I called and began to set up my account with their bank, Comenity Capital Bank. They took the entire application online. Once approved, the credit could only be used for that procedure, with my doctor. The rep told me that for the 1 year financing with zero interest, I would have to let THEM know the total cost of my procedure, and they would calculate the EXACT monthly payment necessary, so that I would pay no interest. 

The rep put me on hold and finally came back and said I would need to pay {$1400.00} every month, in order to have the " zero interest plan. '' I soon got a letter of credit approval in the mail. The letter was dated XXXX. It did NOT state the beginning and end of my 12 month promo period ; only that " once I made a purchase, '' ( my XXXX ), I would get a statement. My XXXX was on XXXX. Once I got my first statement, I set up auto-pay so every payment of {$1400.00} would be on time. The final payment came out to {$1400.00}, also paid on time. 

I then considered my debt paid. The next month I got a bill for {$3100.00} in interest, since I had " exceeded the 12 month promo period. '' NOWHERE did they define the start and end of the promo period. I NEVER go a copy of any credit agreement I signed. I paid the monthly amount THEY calculated. They used the credit APPROVAL date as the start of the promo period ( but never told me ) rather than my XXXX date, which was my " purchase. '' I think all their literature and procedures are Intentionally Misleading, in order to collect interest unfairly. I filed a dispute, but they sent me a letter saying they " need 90 days to investigate. '' Meanwhile they add over $ 100  monthly in interest and late fees. I have attached some supporting documents, with my notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Amsher Collection Services, Inc.
State: NE
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:
on XX/XX/21 I contacted Amsher to ask why they reported on my credit on XX/XX/21 a derogatory account. i was refered to another company and the rep stated she was not at able to discuss the account with me. I advised her that I wanted to dispute their reporting and she told me to call the other company. I made the payment with the other company in XXXX and Amsher should NEVER have reported since they were not reporting prior to me making the payment and now two months later they report, this is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: MO
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive multiple calls a day from different numbers. I have told them to stop calling but they continue to do so. Until they prove I owe this debt, I want the calls to end

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management has agreed to settle {$2100.00} for account ending in XXXX " WHEREAS, Defendant incurred certain debt related to a XXXX XXXX / XXXX account identified by account number XXXX ( the Debt ) and MIDLAND CREDIT MANAGEMENT XXXX INC.s account number XXXX and the Internal Legal Account Number XXXX ( the Plaintiff Account ), '' Midland has agreed to take all negative reporting information off my personal credit report on XX/XX/2021. So far, it still remains - so I ask that Midland take all negative marks off my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: TN
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:
This complaint reference Equifax, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX as CRA. 

All CRA are reporting inaccurate data. As a Consumer I have erronous and inaccurate personal identifiable information concerning my credit reports from CRA 's listed above. 

I have tried on many occassions to correct the legal status of my reports from all CRA 's listed above. 
Needless to say I can not get anyone in authority to physically comply with my written statements sent by certified mail XXXX of XXXX to XXXX. 

There are erronous public records and inquires on my personal credit reports that are inaccurate. I have sent legal documentation with SSA Death Erronous letter dated XX/XX/XXXX and XX/XX/XXXX to prove I am alive and that my personal identifiable information mist be corrected by law. 

The response I get from credit bureaus states " information verified '' or " agency can not find files '' or " records ''. 

As a Consumer I believe the inaccuracy have to do with " false death '' initiated in error by SSA Death Master Files that originated in XXXX. 

This SSA Death Master Files death error originated in XX/XX/XXXX, was corrected by SSA in XX/XX/XXXX. 

I have attempted to correct inaccurate data for approximately 14 years with SSA and CRA 's by certified mail. This involving my personal credit reports by sending a legal court ordered with first name, and last name changed, showing proof of only one current address that should be on file involving all credit reporting agencies that have access to my personal indentifiable information. 

Section 1681s-2 Responsibility of furnishers of information to Consumer 's reporting agencies have been overlooked, and or ignored. 

I AM AWARE THE FCRA STATES THE FOLLOWING ; " A CRA must remove or verify inaccurate or unverified information from its files usually after 30 days when its disputed. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

The OCR and E OSCAR VERIFYING THIS INFORMATION IS NOT RECOGNIZED AS PROPER VALIDATION. 

Consumer complaint in demand for ONLY CERTIFIABLY COMPLIANT REPORTING and physically verified valid personal indentifiable information. As well as requiste reported to be included on any report CRA create, retain, receive, and or release using my personal identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
have contact all 3 major credit bureaus and XXXX  XXXX  in regards to account being invalid reporting late payment I have a letter from company it has been submitted to all 3 bureaus and they still refuse to remove late payments. I have never been late my loan with XXXX XXXX  is current and paid as agreed since I entered contract up to this date of XX/XX/18. would like credit bureaus to remove late payment remarks

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 2021-07-20
Company: Experian Information Solutions Inc.
State: AL
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 mailed Experian a letter disputing XXXX XXXX XXXX XXXX on my credit report. They came back and said this account was verified. I wrote them another letter XX/XX/2021 asking how the debt was verified. They stated it was verified by the company but not how it was verified. I wrote them again on XX/XX/2021 asking how was the debt verified. They wrote back again stating that it was verified but not how it was verified.

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 2023-04-14
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-02-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased Ethereum on XX/XX/XXXX from Coinbase. There was an incentive to convert the Ethereum into Ethereum2 with the promise of a good return on the investment before the year ends. Since it was already the end of XXXX the end of the year was very close I thought why not. I put all my Ethereum into the Ethereum2, it was XXXX $ at the time. Towards the end of XXXX the value of my Ethereum2 had gone down to XXXX XXXX And Im not rich and I wanted my money out because the return was not happening. The initial advert said the Ethereum2 can NOT be transacted until it is transferred back into the original Ethereum. I went to my Ethereum2 wallet on Coinbase and it said my funds were locked and could not be transferred or accessed in anyway BUT will be available shortly. Ok I figured shortly doesnt mean never. So I contacted Coinbase about getting funds out in the end of XX/XX/XXXX and I got a reply saying the funds will be usable before the end of the year. Coinbase kept changing its terms for the Eth2 investment. Well it is now the year XXXX and we are almost in XXXX. The funds are still unavailable. It feels like I got robbed or swindled. Like this is what investment scams do they take your money with promise of big returns and then they keep changing the return on investment date. In this case I have watched the value of my XXXX $ go down to XXXX $ with no way to get out. I have contacted Coinbase multiple times and they will not give me my money back nor do they have a time when i can get it back. Its very frustrating. I would not have agreed to this kind of investment if it was made clear that the money would not be made available indefinitely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11
Company: CITIBANK, N.A.
State: NY
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 have contacted Macys numerous times over the past few years and let them know that I paid my card and closed it, and I no longer have access to that address that was listed there or two that card. I was totally took it off and it hasnt been taken off and its been roughly 2 years I need them to remove it because this is starting to become a nuisance and its messing with my

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 2020-01-17
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt collection validation letter to this company on XX/XX/2019 their response in their letter they sent back to me clearly violates my HIPAA rights because I never signed the HIPAA release form with XXXX XXXX to share my information with professional recovery Consultants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am on a covid relief hardship plan and the mortgage company is charging me XXXX in late fees and I asked them if they would waive these fees due to covid and they tell me they can only waive 2 months worth of late fees, I feel XXXX is a lot for customers trying to come out of a pandemic and they are refusing to work with me and on top of that they are trying to give me a XXXX a month repayment plan when my monthly mortgage payment is XXXX who can afford double while in a pandemic when you can barely afford your original payment, I have talked to every Supervisor I can and nobody wants to help me or eliminate some fees so I can get a head. Please help I need desperate help with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: IL
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:
Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to purchase tickets through XXXX. I am only XXXX and just opened account with Wells Fargo. I have never used XXXX and thought that it should be safe since it is on my Wells Fargo app and the bank must trust them. I did log in and transfered {$70.00} which I had in my account at the time. The app told me that it did NOT go through and to try again later. I went through the process again and it actually took both times. Wells Fargo allowed the transaction to post twice at {$70.00} and charged me an Overdraft charge of {$12.00}. I am out {$140.00} and of course I did not receive tickets and the phone number to the person that I thought would be giving me concert tickets is rejecting my calls. The only information I have on the recipient was a phone number and an email address. On my bank statement it shows the name XXXX XXXX. I went to my bank within 30 minutes and no one was able to help me. I have also sent numerous emails to XXXX complaining about this fraud and what happened to me. Neither XXXX nor Wells Fargo is willing to help me. I just started working this summer and am trying to save money for college. I can not afford to lose this much money. I asked Wells Fargo if they could help me with one of the {$70.00} charges but they said they are not able to help me. I hope you can help me with this situation. I would be happy if Wells Fargo would at the least refund me one charge of {$70.00}. I am really upset and have learned my lesson on not trusting anyone and to especially not deal with online sites that you do not know. I really thought that they would be reputable since Wells Fargo trusts them to be on their website and peoples accounts.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear XXXX XXXX XXXX, I hope this message finds you well. I am writing to express my deep concern regarding a significant discrepancy in the reporting of my tradeline with your organization. My credit report currently reflects a balance of {$0.00}, which is not accurate as my understanding and records indicate there should be a tradeline amount of {$30000.00}. 

This discrepancy is causing a considerable impact on my credit profile, and I am seeking your immediate assistance in rectifying this issue. I understand the importance of accurate credit reporting and its impact on my financial standing. Therefore, I kindly request that you promptly investigate this matter and update the reported tradeline amount to reflect the correct balance of {$30000.00}. 

I have attached supporting documentation, including statements and transaction records, to substantiate the accurate balance. I believe this evidence will aid in expediting the resolution process. 

I appreciate your attention to this matter and expect a prompt and thorough investigation into the reporting error. Please inform me of the steps being taken to rectify the situation and provide a timeline for the correction to be reflected on my credit report. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, 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