BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: KY
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: Billing dispute for services

Complaint:
In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a XXXX XXXX for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.

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 2018-07-12
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
Credit 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, XXXX, XXXX, all 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 These are all inquires listed on my XXXX, XXXX and XXXX reports..i have contacted all the companies on numerous occasions also I have contacted all 3 credit bureaus, they are still listed.

Listed below are accounts showing on my reports that SHOULD NOT BE LISTED 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, Caine and weiner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: SECURITY FINANCE CORP
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2018-03-09
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I placed a Security Freeze on my Experian account on XX/XX/2017. I tried to lift the freeze, with my current and correct address and PIN for the freeze. The Experian system will not lift the freeze. I attempted to lift the security freeze through their seconday online system and was denied. The only option to lift the freeze is to mail my information to Experian. 

I am a US military member preparing to transfer from XXXX to California in the next week. I went on the Experian website and signed up for a free account, I was able to view my credit report. I was also able to see that I have a security freeze on my credit report. I am not able to find support for removing my security freeze other than mailing my information to Texas. 

When my family returns to the United States in the coming week we need to purchase cell phones and cars. I am afraid I will have to buy the cell phones because of the security freeze, I will not be able to use the cell phone company credit. I have searched the internet for phone numbers to call Experian, I can only find numbers for automated systems that do not help in my situation. I can not find a means to contact Experian other than by mail. 

I am frustrated with Experian and the non-availability to contact their organization.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX, 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please refer to FTC Report # XXXX Identity Theft regarding Covid19 Unemployment Compensation. 
On XX/XX/2020 I received alerts from Experian, XXXX, XXXX Card, and XXXX XXXX  regarding a hard credit check that had been process using my name and social security number. 
While reviewing my XXXX Credit Report I found an wrong address under my name. The fraud account was placed under : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ. XXXX. A fraudulent telephone number using my name was also on the report. Number XXXX. XXXX said that the fraudulent address belong to a company called XXXX XXXX. 
While reviewing my Experian Credit Report the fraudulent telephone number also appeared in the report under my legal name. XXXX. 
The fraudulent credit card was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX and also from XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, UT, XXXX Telephone XXXX. 
I telephone XXXX XXXX XXXX Fraud line at XXXX and reported the Fraud. They told me that the credit card was not issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
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 status incorrect

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-08-23
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Being that this is my third attempt at requesting this same information and you have failed to provide any substantial information outside of a credit report in an attempt to stall the process, you now have fifteen ( 15 ) business days to reply. 

I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my items for dispute below : XXXX XXXX ACCOUNT # XXXX -EQUIFAX - ACCOUNT # XXXX These two accounts are the same exact account. After disputing the XXXX account, you then listed the same account as EQUIFAX which is double jeopardy and illegal. 

Please delete these accounts from my credit report for failure to accurately list these items. 

I started disputing these items since XX/XX/XXXX and to the current date of XX/XX/XXXX, no response or deletion for reporting inaccurate information and then listing the same account twice under two different names. I have sent a letter disputing these two items every month. So for the last 8 months no change or removal, not even a response. Just simply updated. Updated to what??? Its inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Upon review of my XXXX with Bank of America, with no delinquent payments and excellent credit. My credit score dropped an unimaginable 24 points at once!!!!! The justification stated that the change in score was due to " lack of auto loan and installments, '' I paid off my auto loan with BOA in XX/XX/2020. This is totally unacceptable and not fair. I've been penalized in the past for paying off balances in which my score would drop by 7-8 points. This decline in score puts my rating at XXXX. It's frustrating and totally unfair to be reprimanded for doing the right thing in not accruing any debt. BOA said it's the credit company XX/XX/XXXX, and XX/XX/XXXX sent me back to BOA each pointing the finger at the other. My XX/XX/XXXX level and XXXX XXXX increases at the thought that in doing the right thing by ensuring I don't carry debt I get punished for paying off my bills. In this environment I don't want to worry about owing money especially with me managing my spending I can use savings to assist someone in need. 
Please help in to understand how this continues to happen to me, that my score changes on such a consistent basis and i refuse to take out unwarranted loans or credit cards i don't need. Thank you for any assistance you can provide.

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 2019-08-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent Specialized Loan Servicing LLC a qualified written request ( in the attached file ) because earlier that month I received a late payment notice although I sent in the payment as usual. The QWR was sent using certified mail with return receipt to the address specified on the loan statement ( in the attached file ). The return receipt was signed dated XX/XX/XXXX. I have never received any acknowledgement or response for my QWR. They are in clear violation of 12 U.S.C. 2650 and subject to fine that is due to me. Worse still, they started missing sending me monthly statements. 

I started to send them monthly payments using the payment service of a local XXXX store for fear of the repeat of XXXX payment. Payments through XXXX give me the record of the payments with the date on it. 

In an effort to clear up the issues of missing statements and make sure that all the payments and charges are accurate, I sent another qualified written request via certified mail to Specialized Loan Servicing LLC on XX/XX/XXXX ( in the attached file ). The return receipt was signed on XX/XX/XXXX. Again it fell on deaf ear. They completely ignored my request. I have not so much as received a letter of acknowledgment. 

I started to send in payment using certified mail since XX/XX/XXXX using copies of my old payment stub ( in the attached file ). On the copies of old payment stub included with the payments, I have asked them to send me monthly statement and send it to the address that has been in use. Again, I have received no statements. 

Specialized Loan Servicing LLC seems to be an especially bad example of a loan servicer. I pay the loan and did not get the service I deserve and not to mention required by law. I do not even know where my money went at this point.

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 2019-08-23
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
already have a complaint but i didnt know what to do, under XXXX i received a letter saying there is not enough time before sheriffs sale and wrote sayng the sales date is XX/XX/XXXX and under 12 C.F.G. 102.41 REGULATIONS OF XXXX XXXX THAT if it is withing 37 days before sale and although their letter is dated XX/XX/XXXX i sent it over XXXX and have proof giving it enough time i am scared i dont want to lose my home and they are doing nothing to help me i dont care what they say, i wrote XXXX XXXX XXXX a few faxes that is the guy who replied to my first complaint with you and he sent a letter dated XX/XX/XXXX saying they are there to help but they arent i need you please have a XXXX husband and nowhere to go

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: PA
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 PAID AN ACCOUNT ON XX/XX/2017 IN THE AMOUNT OF {$510.00} WITH XXXX XXXX XXXX THAT WAS LISTED ON MY CREDIT REPORT ALTHOUGH I NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX XXXX. I NOTICED THAT THE ORIGINAL CREDITOR IS NOT LISTED SO I HAVE BEEN DISPUTING THIS ACCOUNT MONTHLY TO HAVE THE ORIGINAL CREDITOR ADDED SO THAT THE ACCOUNT CAN REPORT CORRECTLY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. HOWEVER EQUIFAX ALWAYS REPORT BACK THAT THIS ACCOUNT HAS BEEN VERIFIED WHICH LETS ME KNOW THAT THIS ACCOUNT HAS NOT BEEN VERIFIED BECAUSE IF IT WAS, THE ORIGINAL CREDITOR WOULD BE LISTED. I DO NOT HAVE ANY SIGNED DOCUMENTS WITH XXXX XXXX XXXX AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting  that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
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: Account information incorrect

Complaint:
This is regarding creditor XXXX XXXX XXXX account # XXXX. Previously, the creditor claimed a charge of amount of {$6300.00}. As of XXXX-17 per email and phone conversation with an account representative with XXXX XXXX XXXX, the account balance has been updated to {$0.00} from the incorrect charge off amount of {$6300.00}.

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 2019-08-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Been calling for about a week now.. I was trying to get National Credit System policy in write they refused to apply.. We have call about the debt we ask could we make a payment plan and XXXX XXXX said that all we have to do is make a payment and it would put us in a payment plan but to be honest the debt will be dropping off the credit in XXXX .. But we was try to still pay on it to show good faith about the account.. Well long story short we have talked to several people even the caseworker he was rude and very loud with us. Several of the worker was rude and always went back to its their policy that they dont not accept payment plan.. And when ask can you show me in your policy where this says that in a email they refused and when ask for a printout of the recording for each conversation we had with each employee about this debt the phone was hung up.. Tried call back the same thing we called like 20 times to get a response nothing and sent several email no response. So I need to know my next step..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
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: Account status incorrect

Complaint:
I RECENTLY SETTLED A OLD CHARGE OFF ACCOUNT WITH XXXX THAT WAS DUE TO FALL OFF MY CREDIT DUE TO IT WAS AN OLD DEBT FROM 7 YEARS AGO I AM IN THE PROCESS OF PURCHASING A HOUSE AND WAS ADVISED BY MY LENDER THAT THIS ACCOUNT WOULD NEED TO BE TAKEN CARE OF I CALLED AND SETTLED THE ACCOUNT WITH XXXX. I PAID AND SETTLED THIS ACCOUNT IN FULL AND FORWARDED THE LETTER TO ALL CREDIT BUREAUS TO REFLECT THE ACCOUNT IS SETTLED AND TO REMOVE THE ACCOUNT FROM CREDIT, I KEEP GETTING THE RUN AROUND THE CREDIT BUREAUS HAVE UPDATED WITH A BALANCE ON THE ACCOUNT WHEN IN THERE IS NOTHING OWED. THE ACCOUNT NEEDS TO BE DELETED.

Company response to consumer: Closed with explanation