BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
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:
CITI XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX XXXX am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX  XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX  XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police 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 2019-05-05
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 sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. 

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Equifax stating that XXXX XXXX XXXX did not notify Equifax about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This will be second attempt to try to resolve my matter with XXXX XXXX XXXX. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.

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 2018-06-23
Company: ERC
State: MD
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:
Companie name ERC Account Number XXXX balance {$300.00} Date opened XX/XX/2014 I do not remember opening any account the last 7 years and I am not getting any information about the collection and affecting my scour can you please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: LA
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:
I have disputed unknown inquiries with Equifax several times. I have also, explained to them that these inquiries are unauthorized and not mine. The only things that I have applied for are tied to accounts that I have. They stated that the inquiries will remain on my credit until they fall off, but they never stated how they properly verified these inquiries, therefore they should be removed from my credit report. I have also, contacted XX/XX/XXXX and they removed inquiries from my credit report as I asked. I have also, filed a theft report with the Federal Trade Commission. I demand that the following inquiries be REMOVED from my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a veteran who received prior authorization to go to the XXXX XXXX XXXX on XX/XX/XXXX since I had just had a XXXX and was having further symptoms. I never received a bill from anyone other than the ambulance service in all this time and that is the only reason I knew the VA had not paid yet. The VA informed me that the hospital had not sent them a bill and the only bill they had was the ambulance bill. I had a very hard time getting the hospital to cooperate even though I had given them all the information they needed to bill the VA upon arriving on XX/XX/XXXX. The VA finally received the bill and paid them. On XX/XX/XXXX, I received a notification from XXXX XXXX that a company had reported an account. The original company is XXXXXXXX XXXX   XXXX XXXX but the collection agency listed themselves as I contacted the VA again about this. He and I called the collection agency together and I noticed I was never given the mini Miranda at any point when speaking to this individual. The VA representative informed the collection agency rep, XXXXXXXX XXXX, that it was illegal to double bill the veteran after the VA had paid. XXXXXXXX XXXX lied and said they were collecting on behalf of the hospital. XXXX XXXX went on to say that they would not take it off my credit unless told to by the hospital even though no one ever contacted me about this and I was not worried about it because the VA was paying all the bills. XXXXXXXX XXXX would not listen to either one of us, and when I asked for the phone number to the original creditor, he stated he didn't know it. I then asked to speak to his manager after he was arguing with me in an immature manner, ( I have the call recorded ), and he placed someone on the phone who just repeated himself over and over while refusing to tell me his name. He ultimately hung up on both of us. The VA rep could not understand why this collection agency refused to listen to him and did not know where to go from there. 

XXXXXXXX XXXX  XXXX bills for imaging and is not considered part of the hospital. I verified this after speaking to the billing department at the hospital. XXXXXXXX XXXX  XXXX never once mailed me a letter or called me and the collection agency never sent me a letter or called before placing this on my credit. The VA can not get through to this collection agency as they will not listen and say they are not breaking any laws. The collection agency also stated to the VA that a portion has been paid but they want the full amount. This individual does not understand how government payments work and that I am being double billed. If I am not mistaken, by federal law, they are supposed to be giving the mini Miranda as well. This is not how to collect money.

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 2018-08-07
Company: EQUIFAX, INC.
State: MN
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 have tried on several occasions dispusting the medical collections account on Equifax. My recent results came back on XXXX XX/XX/2018 as verified this item belongs to me. This is the same response Equifax sends without actual validating that the account truly belongs to me. No validating information has ever been sent to me that this is in fact my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan # XXXX SPS Account # XXXX Our current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XX/XX/XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back to XX/XX/XXXX ) on our Non-Agency Securitized Mortgage since originated in XX/XX/XXXX with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed  documents with the SEC in XX/XX/XXXX ). SPS indicated in XX/XX/XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XX/XX/XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the Trustee, XXXX XXXX, XXXX. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per Letter ( attached ) dated XX/XX/20, credit was updated as of XXXX XXXX regarding no deliquencies. My credit has not changed otherwise and my score is down significantly since this happened. I am being reported 60 days late to the credit bureaus still for the month of XXXX, which is after the servicing period and reported after you XXXX letter ( assuming it was reported in XXXX XXXX. Per my most recent credit report, instead of reporting pays_as_agreed, XXXX  is reporting : Account Status NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE XXXX  is reporting me current in XXXX, and 60 Days late in XXXX, which would have been reported after the XX/XX/XXXX letter. XXXX  is reporting & gt ; Account 60 Days Past Due Date & lt ; I don't have access to XXXX, but expect that their information is erroneous as are the others. Transunion credit timed out while I was writing this and unfortunately don't have the report, but the language above was copied from their site and I have printed and marked the other 2 reports.

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 2018-03-18
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: Card was charged for something you did not purchase with the card

Complaint:
Many fraudulent charges through XXXX into one of the cards of my American Express account. The total amount of Unresolved disputed charges exceeds {$900.00}, accumulated over several months. Upon my first detecting and reporting the case, in XX/XX/XXXX, AmEx issued credits although for less than the total amount reported. That card ( of 4 in the account ) was cancelled and replaced by a new one ( with a new number ) but many more fraudulent charges kept arriving at the new card from the same source, without AmEx doing absolutely nothing to protect the account, by blocking them or issuing warnings to us, despite the recent experience from the month before. So, we stopped using that card in XX/XX/XXXX. Since then AmEx kept doing nothing to resolve this situation, i.e. issuing the credits as requested. After half a dozen calls to try and resolve the situation, all unsuccessful, I closed the AmEx account in XX/XX/XXXX after paying all other charges up to that date. Since then, after several more calls to resolve the situation, AmEx still has not even opened a File with a Case Nr. to register this situation, per my last call on XX/XX/XXXX. I have received tree fax numbers -- ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX -- to send documents, none of them work. Furthermore, AmEx doesn't provide addresses to send them the information by either email or postal service. Attached copies of the Statements containing all fraudulent charges credited ( checked ) and still open ( circled ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
According to XXXX, I owe {$78.00} to Centralized Business Solutions. This payment was confirmed ( both by my attorney and the Collector ) that that account was flagged under my Chapter XXXX. 

The account still shows as open and derogatory on my XXXX credit report. According to the collector, I must report this to have it corrected on my credit report. 

Please evaluate and correct this. Below is information that will aid in your investigation : My Name : XXXX XXXX XXXX My Contact Number : XXXX My Attorney Name : XXXX XXXX My Attorney Phone Number : XXXX Collector : Centralized Business ( on behalf of XXXX XXXX ) Collector Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX Collector phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Experian Information Solutions 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 sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. 

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Experian stating that XXXX XXXX XXXX did not notify Experian about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.

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 2018-03-18
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: Account status incorrect

Complaint:
1. XXXX is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016. 2. XXXX is reporting to both XXXX  and Equifax that the account Condition as Derogatory. This is not correct. XXXX  was paid-in-full {$28000.00} and the account condition is PAID. 3. XXXX  is reporting to both XXXX   and Equifax the account Status as in a Payment Plan. This is not  correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX  Bankruptcy. XXXX  must only report the current condition of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

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 2019-05-05
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I requested an investigation on the following account. 

XXXX XXXX XXXX Since you have not responded within the allotted time frame of 30 days, please remove this account from my credit report and remit a payment of {$500.00}. 

This will be a settlement so I won't have to take you to court for this FCRA violation. 

Attached is the original letter and when it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Experian Information Solutions 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:
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES 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 {$950.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2019-09-29
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
American Express notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income

Company response to consumer: Closed with explanation