BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

XXXX and Transunion are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report.

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.

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 2017-08-04
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem 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 2020-11-02
Company: Bread Financial Holdings, Inc.
State: FL
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:
Approximately a month ago I received a call from XXXX XXXX XXXX XXXX. I advised that I had moved an not received a validation notice. In the same call I advised that I could receive calls at work - several times I told them this. 

Today I received a call from a XXXX XXXX at XXXX XXXX. I again told him that I can not receive calls at work. He would not let me get off the phone after telling him that I had already advised them of this and that this was an FDCPA violation. He continued to become harassing. 

He also did not verify who I was. He only asked for my name and calling my work. 

He would not listen after telling him over and over I can not talk at work. He continued to attempt to collect after repeatedly telling him that he can not call me at work as it is an inconvenient place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mortgage and security fraud. Since 2008 I have been in a legal fight with XXXX XXXX XXXXXXXX XXXX XXXX Select Portfolio services and XXXX XXXX XXXX. This 3 entity 's and other known and unknown have tripled the note of my paid off property and negotiated then with XXXX XXXX XXXX XXXX... number trust. It has been impossible to get authorities to review the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Paypal Holdings, Inc
State: DE
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:
REceived prepaid mastercard I did not apply for from PAYPAL, issued by the XXXX XXXX, Arrived in US mail. I have frozen all credit and signed up for OPTOUT on credit card offers. I called Paypal several times and was only directed to other numbers that have recorded lines. I called XXXX  XXXX, got a ticket number XXXX. When i called back they said I had to call PAYPAL but were unable to provide a number. they only said call paypal. I do not have a paypal account. I do not want a new account. I do not to give any information out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: Supreme Lending
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a loan and got approved with down payment assistance. Then the day before closing the lender states I cant get down payment assistance and I needed to pay XXXX to close. I already paid the appraisal fee, inspection fee, and XXXX earnest money. You cant take people that far in to the loan process just to change things. So I want to be reimbursed for the money I put into the process. I have emailed, called, and left voicemails with that company and no one will respond to me. You cant give someone an approval letter with down payment assistance then the day before closing tell me I cant do down payment assistance after paying all those costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I never received any type of debt notice. I only found out once the current tenants in my old residence saw me and gave me information from lawyers that said a lawsuit had been filed. I also made multiple attempts to contact them and have received nothing in return from them. 
I only found the website from receiving those correspondences, and per the legal documents they are trying to take triple the amount that is owed. They are stating I owe {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.

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 2020-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$1600.00} In Collection since XX/XX/XXXX Collection put on my name U don't owe or done business with the apartment complex! Similar name to my name without social security and different date of birth. 
I have called the Collection agency too many times without any luck and I have filed complaint with Fcpb and I asked for the documents has my name or I signed on it! I received a copy and name very similar to my name. 
I was able to rech the Guy and I asked him for a copy of his passport. 
So I'm going to send a copy of the lease with a copy of his passport. 
I'm US Citizen and have Amercian passport and Social security number and no one of those was written on the lease! 
Please compare names spelling and others papers. 
I have send a copy of my driver license and the other Guy passport and visa.

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 2020-11-02
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/20 - attempted to use my CareCredit card issued by Synchrony Bank to purchase medical equipment online through XXXX, one of their partners. The item is not sold in stores, but Online only. I have a XXXX condition which also limits my ability to being out and about shopping during this pandemic. I called the bank and asked why the cards have not been expanded to online using during the Covid-19 pandemic. Why do they still expect the most vulnerable to go inside stores and shop? This needs to change immediately! They did not have an answer. CareCredit should be concerned with people shopping in stores. They should expand card use to online immediately!

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 2020-06-02
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: Personal information incorrect

Complaint:
*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our business. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : & & & & & & & & & & & & & & & & & & & & & *XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Today 's Date is XX/XX/XXXX We paid-off a Conventional mortgage loan on XX/XX/XXXX. There is a XXXX balance but the lien against our property has not been removed since XX/XX/XXXX. We can not sell or get a HELOC loan due to this ongoing problem with LoanCare. My husband and I have called LoanCare for the past 3 months trying to get them to remove the lien against our property. They acknowledge they need to correct a document ( for some reason they don't know details to explain to me ) and resubmit it to XXXX County Register of Deeds. This has yet to be resolved Since XX/XX/XXXX. We get the same exact excuse every time we call LoanCare. 
I have logged onto XXXX County Register of Deeds every day and there is no Cancelation, so the lien is still against our property as of XX/XX/XXXX. 
We will take legal action against LoanCare soon because we have given them more than enough time to resolve this problem. A lien against our property for a paid-off loan is very serious and requires immediate attention and legal action.

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 2020-06-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-04-01
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Okay, so short story is, I was in a XXXX XXXX on XX/XX/2017. My car insurance ( XXXX XXXX ) was supposed to pay the hospital and emergency ambulance bill. They paid neither. I found out when my credit score took a 60 point hit when XXXX XXXX XXXX popped up with the ambulance debt to XXXX. This is when I discovered they paid neither bill. I had to pay the hospital bill, and I contacted XXXX XXXX to explain that I was promised all of this was taken care of by the insurance company I had been with for three years. 


The rep, on a recorded line, refused my insistence that this either needed to be sent to my insurance, or my health insurance applied to it. He said it was " 100 % my fault, and I was the only one who would be paying it. '' I refused and told them to contact my health insurance or car insurance, both of which were furnished to XXXX at the time of the accident. I've been called several times since then and they still refuse to accept that I'm not paying the full amount. My health insurance has a deductible for ambulance rides of {$120.00}. If my insurance company lied to me and is refusing to cover the bills I paid extra for them to cover, then my health insurance should have been applied. XXXX XXXX is refusing either and insisting I pay the full amount. My phone line is recorded. I have these conversations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The problem I am having is that I contacted XXXX and I spoke to XXXX from this company and I had informed him that the only address that should be showing on my credit report I also disputed a lot of information that wasnt correct on my report I said to XXXX do you guys keep mistakes on people credit report because you guys get paid this way and he said I am correct this is not fair to me and there are violating.

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 2021-02-22
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection statement from " Radious Global Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX '' dated XX/XX/2021. 
They are stating in the statement that they intend to collect on behalf of Creditor " XXXX '' for an amount of {$420.00} I never have requested or opened a credit account from this company, XXXX, and it is a case of fraud. For this reason I have not paid any amount to Radius global solutions and am reporting this to your attention. 

I also sent a written notice today to Radius Global Solutions that I intend to dispute this debt.

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 2017-08-08
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Solutions is reporting a debt that was charged off by a credit union more than 5 years ago. It is past the statute of limitations on the debt. To cause me pain in an attempt to force me to pay it they have re-aged the debt to make it look recent thus impacting my credit scores and causing me to be declined for a home loan. The original debt charged off back in XX/XX/XXXX. Credit Solutions is reporting that the debt opened in XX/XX/XXXX which was past the statute of limitations at the time they opened it and they knew it. They have never attempted to contact me to verify this debt. NO attempt at all has been done to validate the debt which is a direct violation of the FDCPA 809 ( b ) FTC XXXX XXXX. The reporting is completely inaccurate and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi! 

I keep getting phone calls regarding a company/ bank called Barclay . I have no idea what that bank is. So, I tried to reach out to them a few years ago, but they keep transferring me to different places. I dont know if they know what they are doing. I first notice my credit card score was declining and I have no idea why since I almost always pay my bills on time. Then, I notice a weird name on one of my credit card report Barclay. Thus, I believe my identify must have been stolen. How do I go about on resolving this issue since the company has not done anything about it and I keep getting bombarded with callers for debt collection? Thank you! 

-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 2017-08-10
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: Information belongs to someone else

Complaint:
violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

Equifax and XXXX are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report. 

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.

Company response to consumer: Closed with explanation