BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: OH
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 am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x XXXX, XXXX, XXXX XXXX # XXXX x XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : VSP, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I applied for and was approved for the American Express Business Gold card. The public offer available on the website stated that I could earn XXXX rewards points if I spend {$5000.00} in the next 3 months for my business. I did that. From multiple chats and complaints to the company, I still have not received my award. They say there was no award available at the time. That is false. I have a screen shot of the award I applied for. Now, XX/XX/XXXX, they say I'm not eligible for having this card in the past. I've never had this card in the past. They are now saying I failed to meet the offer of the terms, but I have read the terms and met all of them. They won't tell me which terms were supposedly not met, yet their representatives all agree I completed the spending requirement. Chat rep supervisor XXXX on XX/XX/XXXX says he can have someone contact me to tell me why I didn't get the bonus, and I requested this be sent to me in writing with a citation of the exact term in the requirements and an exact explanation of how I didn't meet this term. Reference for Amex is XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
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: Account information incorrect

Complaint:
I have been disputing an account listed on my report by XXXX XXXX XXXX with Transunion, XXXX and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.

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 2020-05-14
Company: EQUIFAX, INC.
State: OH
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 am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x XXXX, XXXX, XXXX XXXX # XXXX x XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: WELLS FARGO & COMPANY
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-12-02
Company: Experian Information Solutions Inc.
State: NC
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:
Use of alias names. Not used by me. Someone's error in using my name. 
Repeated information about one account using multiple account numbers. 
Repeated soft inquiries by Auto sales personnel resulting in lowered scores to adversely affect opportunity for purchase at lower cost. Illegal increasing costs.

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 2020-12-02
Company: Specialized Management Services, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not provide me with a copy of my rights Requested itemized statement of debt from company several times and was not provided with one within 5 days per my rights. 
Screamed at me on the phone and would not put me in contact with a supervisor. 
Continues to call me after I have requested them not to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Experian Information Solutions Inc.
State: WI
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:
My name is XXXX XXXX, my name social is XXXX and my date of birth XXXX. I have not recieved any update per my recent disputes to Experian and XXXX. I have been waiting beyond 30 days with no repsonse. I am requesting all of the erroneus, obsoletm and inaccurate items on my credit reports with both Experain and XXXX  be deleted 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 2020-08-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had fraud on my debit card in mid XXXX. I filed a claim with Chase and Chase is still refusing to refund my account for the fraudulent charge. The charge was for XXXX XXXX XXXX {$86.00}. IChase denied my claim. I filed a complaint with cfpb and they still with will not refund the charge. I DID NOT MAKE THIS CHARGE. I have not idea what XXXX XXXX XXXX is and I never done business with this company before. Please let Chase know I emailed a complaint regarding Chase to my local senator XXXX XXXX. I also emailed my local TV station 's tip line XXXX news XXXX regarding Chase 's misconduct. I did not make these charges and Chase is required by law to refund me. If Chase does not refund me my next step is too sue via small claims court. I also plan on continually filing cfpb complaints until my money is refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I did not sign up for a capital one card which is now on my credit and I cant dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: PMAB,LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
PMAB LLC is calling me multiple time prior starting at XXXX XXXX. I live in CA. They are calling to contact my daughter who lives in SC as a XXXX XXXX about a {$65.00} bill which we have never received a statement for. I have told them 3 times that they are in violation of the FDCPA by doing this but their snarky attitudes prevent them from admitting to this. After my last communication with them about this on XX/XX/18 I called back and they claim they do not have an account associated with my phone number, very convenient. They also claim they have not called me prior to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent in letters regarding inaccurate reporting of misleading items and information on my credit report. I'm feel like I'm being ignored of my disputes. It's been 90 days since my first dispute. These are deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I applied to my credit union for a home refinance. At that time I was asked to unfreeze the " big three '' credit reports as I keep them frozen. I did this successfully with XXXX and XXXX without any problems. When attempting to unfreeze the transunion report online it could not locate my report and told me to call customer service. I called customer service on XXXX at their customer service number. They said I would need to call " the United States dept '' the following day during business hours via the same customer service number. I called them on XXXX during business hours. They told me they unfroze the report. I have repeatedly attempted to access my report through their online service to no avail. I called customer service a third time today XX/XX/XXXX at around XXXX XXXX. I was again told the credit report was unfrozen and that I needed to call the online service as that seemed to be the problem. My bank attempted to pull the report yet again and I received an email saying it was denied because my credit report was frozen. I was then told by the online service that they could not locate my credit report and to call customer service. This would be the FOURTH call to customer service with fingers being pointed from one dept to another.

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 2019-03-11
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Home is passed on and had to go through probate, I obtained full authority to sell the home. On XX/XX/XXXX letter of intent with probate documents was sent over to the bank. I was told by a representative this is all I needed to submit. I spent money on making repairs to the home to make it available to sell. I listed the home on XX/XX/XXXX. I authorized my realtor to keep in touch with the bank and she was advised that their was no sale date on the property and that if that came about I would be granted an extension. I now have a sale date of XX/XX/XXXX, I have asked for an extension and have been told that I'm not able to be granted and extension due to timelines and not providing proper documentation. Of which I followed everything they asked for but now state I didn't submit it on time??? 

Please help I'm beyond stressed and have tried everything on my end to abide by their timelines and process. My mothers death was very hard on me and I'm trying to tie up all these loose ends. I just need a bit more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

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 2018-03-05
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I received a notice from Professional Bureau of Collections of Maryland , Inc. claiming that they had purchased my student loan debt and offered me a chance to settle the debt for a lower amount. This is not possible as 4 years ago I consolidated my student loan debt through XXXX  and have been paying it off ever since.

I sent them a letter requesting validation of the debt and never got a response. Since I have no outstanding debts and since they were unable to verify my request I can only assume that this is either fraudulent or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been 30days and I have not received a response from credit bureau about items I have reported that are not mine please remove items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
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:
I have written letters to the EXPERIAN requesting verification of an account being reported by XXXX XXXX XXXX. Each time, the account is coming back as " verified ''. I have requested information on how the information was verified and have received no response. The credit bureaus in question are not following the law. They are solely relying on E-oscar to " verify '' accounts. They are also not adhering to XXXX XXXX compliance protocol. Instead of doing their own independent investigation, they are going solely off of the incorrect information that is being supplied by XXXX XXXX XXXX. I have tried for MONTHS to get documentation from XXXX XXXX XXXX to justify their reporting and they have not been able to provide me with documentation. If they can not supply ME with documentation, then how are they able to report this information to the credit bureaus? That is a huge problem.

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 2019-06-30
Company: ACS Education Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Website has been shutdown for the past couple days without any notice. I am unable to submit my loan payment in time because the website is down. I am unable to contact their customer service because the website is down. This has happened a couple of times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to remove the PMI payment off of our mortgage and called to confirm the amount over & above the mortgage payment that would bring our loan to value to below the required 78 % on XX/XX/XXXX I was told it was {$12000.00} and we qualified as we have had the mortgage over 5 years and never missed a payment! I transferred the monies and it was in our mortgage account on XX/XX/XXXX I have the confirmation from XXXX XXXX, I have emailed 5 times and called 5 times and now spoken to a Supervisor called XXXX  ID Number XXXX and they are telling me I now have to wait until XX/XX/XXXX! to get my refund back when they are still charging me for the PMI when I have contacted them numerous times to have it removed and refunded. Please can you help me.

They ignore my emails, they ignored my written correspondence, they have never returned any of my calls, yet they have charged me {$230.00} x 2 PMI and still continue to charge when my LTV is lower, I did not pluck that amount out of the sky to reduce my mortgage they told me the amount, they record all their calls so they need to listen to them and refund me the money they are charging me, I have wasted hours and days on this, I pay my mortgage I have never missed a payment and yet they penalize me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation