BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I understand my account is under review for membership rewards with American Express. I am deeply angered by the lack of transparency as to why my account is under review when I have been a customer for 10+ years and have never had any difficulty in redeeming or transferring points before. This has been a huge inconvenience for my family and me. Please conduct a swift investigation so I can resume my immediate points transfer needs. Again, I am deeply angered at the moment by the lack of transparency with my American Express membership rewards review. American Express is currently holding over a XXXX points in my account with no apparent end to the investigation. 

I contacted them earlier in the month, they said it'll take only 5-7 more business days. It's well beyond that now and I still have not heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX CHAPTER XXXX BANKRUPTY DISMISSED XXXX US DEPED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} US DEP ED XXXX {$1700.00}

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 2020-11-21
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:
I SENT ALL NESSASARY DOCUMENTS EXPERIAN REMOVED ALL THESS INACCURATE ITEMS OFF REPORT EQUIFAX AND XXXX  STILL SHOWING THESSE ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX P.O. Box XXXX, XXXX XXXX. MO XXXX on XX/XX/XXXX I was sent notice from the above for an amount of {$190.00} for a bill from XXXX XXXX from XX/XX/XXXX. I immediately sent XXXX documentation from Social Security/Medicare stating I did not owe this. XXXX is refusing to resolve this issue

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 2019-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ran into financial difficult after a lengthy battle with XXXX XXXX. Lender said they would modify and never did. They filed for foreclosure and wont talk to me. Ive sent in completed loan modification applications without any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive never received any mail for this bill and it been on my since 2018 All I received is a call from a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.

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 2019-03-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is attempting to discount Consumer Protection that is available to me from complaint XXXX. I have requested that they communicate with my attorney only, yet they refuse and have not contacted. I have provided his information again in this complaint and I want them to contact him ASAP. 

1. HRRG had multiple contacts with this consumer, took updated health insurance information and attempted to bill for the patient. 

I verbally told XXXX to stop calling me yet they called me anyways it was only later that I had put it into writing. Regardless of multiple contact info they have the revocation is a global request to cease and desist. 




2. She never asked for phone calls to cease until receipt of the letter from her attorney was processed on XX/XX/2019. 

This is false! I verbally told them to stop yet they continued to harass and threaten me. 


3. HRRG has not violated the TCPA and the consumer provided the number at the time of service. 

False - The use of pre-recorded messages to solicit payment and for non-emergcy purposes is a violation of TCPA. Please call my attorney as previously requested. 

I dont know why I must spend so many countless hours trying to correct he mistakes of this comapny. They have broken the law. I am asking that they contact my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a Student Loan Discharged, by : Nelnet, in : XX/XX/2020, for almost {$74000.00} and I haven't received XXXX XXXX of it, in my Mailbox, here in : XXXX, CA Why is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: DC
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 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 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 2019-03-05
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a XX/XX/2018 payment, when in fact i made it on XX/XX/2018.

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 2019-03-05
Company: Experian Information Solutions 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:
Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC XXXX XXXX. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from credit file.

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 2022-11-07
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 I realized my account at PNC bank was in a negative balance. I went to their branch in XXXX XXXX, to inquire what the problem was. There was maybe XXXX XXXX dollars taken out my account from places I never been to. XXXX eats deliveries and rides to places I don't go to. I complain to the bank they gave me credit but soon took the credits back. I went to the XXXX Police office to file a police report ( case number XXXX ). Bank statement along with the police report were submitted to PNC. which denied my complaint and refused to give me my money back. I contacted your office and submitted bank statements to confirm my complaint. It appears someone was able to get the numbers off of my atm card and order food and rides without my permission. There are over 80 fraudulent charges filed and PNC refuses to give me my money back. It has left me with several negative consequences and hardship. My bank statements have been submitted to your office along with the XXXX XXXX. police department report. My complaint # is XXXX with your bureau. I am hoping your office can help to resolve these matters and get me my money back. This is a easy fine XXXX eats pick up someone with address and delivered food to a address that is not mine. Whoever did this should not be able to get away with fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a home equity note with People 's United Bank, it was paid in full, closed and reported accordingly to the credit bureaus. M & T Bank purchased Peoples Unite Bank and then informed me that the note was still open, after further inquiries ( emails, phone calls ) I was the informed the note was closed, and then I was informed I had to pay {$100.00}, for a mortgage discharge fee. M & T Bank has since notified the credit bureaus that I have a closed equity note with them and I owe {$100.00}. My credit reports clearly shows I had a note with Peoples United Bank, it was paid in full and it is closed. I would appreciate your help, they have reduced my credit scores, and at age XXXX, you would think they would be reasonable. Thank you in advance, 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 monetary relief
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
Spoke to XXXX XXXX XXXX About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments. 

I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX. 

Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency. 
In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened. 

Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck. 

The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Peter Roberts & Associates, Inc.
State: MA
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:
Peter Roberts & Associates has placed a fraudulent account on my credit reports.

XXXX  2021 I sent PRA a 93A Demand Notice informing them of : 1 ) their illegal reporting under their own name in violation of MA General Laws 209 CMR 18.17 : Unfair Practices ( 11 ) and 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices ( 15 ) and ( 21 ).

2 ) Requesting validation of debt as I had no knowledge of this account 3 ) Requesting proof of ownership of the account as I have never heard of this company before PRA Failed to reply to my 93A Demand within the mandatory 30 day period. 

I sent a second 93A Demand notice XX/XX/2021 informing them of their multiple state and federal violations including attempt to collect upon a debt not validated, failure to inform me of my rights as a Massachusetts Consumer and failure to inform me of the debt in general before placing it on my credit report. 

PRA replied XX/XX/2021 with a three sentence statement claiming the alleged debt was " valid ''. They failed to provide any proof of their claim, they failed to provide proof of ownership of the account. They removed the account from my XXXX  and XXXX  reports however they continued in their reporting to XXXX  and continued to attempt to collect upon the account. 

XX/XX/2021 I sent a 3rd and final 93A Demand Notice cc'ing the Attorney General 's Office of their federal and state violations. PRA replied to this notice with a refusal to investigate or provide any validation. 

To date : no validation of the alleged account has been provided, PRA continues to report under their own name on the credit bureaus, they have continued to attempt to collect upon a fraudulent account and they have refused to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}

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 2019-03-05
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I bought a XXXX XXXX from google store on XX/XX/2018 for a total of XXXX dollars. I bought the XXXX from my google account where I accidentally had old shipping address. After calling google several times I was able to return the phone to the warehouse directly through XXXX. A month had passed since the phone was returned and received ( I ordered on XX/XX/XXXX, phone got returned on XX/XX/XXXX, I had not received my refund. So, I opened a dispute with my credit card company. But I got an email from google pay to take back the dispute otherwise my account would be locked and they promised they would refund the money. 



So, I took back the dispute, and I got an email from google XXXX  on XX/XX/XXXX saying refund processed. However, I didn't receive money in my bank account. I followed up with a specialist and she confirmed me that money was released on XX/XX/XXXX and I should be getting it in my bank. She asked me to follow up with my bank. I followed up with my bank but they said they hadn't received the refund. I got the same response from google when I followed up on XX/XX/XXXX. 

So, I waited till XX/XX/XXXX, and I still hadn't received the refund. I called google XXXX and talked with an agent for about 45 minutes and he said he would email me with a refund ID so that I can show it to my bank. I waited till XX/XX/XXXX and since I didn't receive any information I sent an email asking for the refund ID, but I got an email saying there is dispute ( which I had already retracted ). 

I finally sent them my last 3 months of statement showing I haven't received any refund from them in my bank. My bank has repeatedly said they haven't received a refund and talk to the merchant. My google pay account also shows refund, but the money is not in my bank account yet. Please help, I have been stressed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my Experian.

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