BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Re : Experian follow up on Close Dispute reference # XXXX Confirming to cfpb ( Consumer Financial Protection Burea ) on XX/XX/XXXX the Deletion of the Hard Inquiry done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ( XXXX ) XXXX.Done on XX/XX/XXXX.On my credit report. 

*** Based on the response provided to cfpb from Experian states and reads : The disputed inquiry that was found displayed on your Experian credit report are in the process of being Removed from your Experian credit report. We are in the process of mailing the result summary to you XXXX XXXX for review and confirmation. 

I XXXX XXXX have already reviewed confirmed, all information. Addressed it to All parties involved.I do not need to wait 15 days for mail to be deliver. 

I need to know Experian : 1 ) On What date? Is my credit report going to be updated with the Deletion of the Hard Inquiry in question above. 

2 ) When I'am going to be Confirmed and Notified after this changes have occurred? 

3 ) On What date are you going to credit my Experian Fico score? Due to the fact of this update being completed. 

***I do not want to wait 15 days for mail to be delivered to me.Just the same way you Experian contacted " cfpb " by email and Updated them about the Deletion of the item.You Experian can email me at : XXXX. Or call me at ( XXXX ) XXXX for verbal notification of updates, Ok to leave a voice mail confirming the action .You can also log into my credit report with Experian reference report number # XXXX. And update directly the Deletion of item and updates.It takes a couple of minutes.Not 15 to 60 days. 

Thank you, 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 2018-02-18
Company: Federated Law Group
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2018I am calling in reference to a resolution payment for a credit card of XXXX XXXX the debt was for {$4000.00} and change. I made an offer of {$2000.00} and they did not want accept my offer. I tried several times to fix the problem spoke with two different collectors and a supervisor at the end I had to pay {$3600.00}. I had the offer of {$2600.00} before but to bad advice from my friend I lost the offer and due to that I was penalized.the company is Federated Law Group,XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our business received an e-mail from PayPal today, XX/XX/18, stating that after investigation our account has been limited permanently and all funds will be held for 180 days. We are not to do business with them and we are to remove paypal from all of our selling sources. The reason given in the email was that we violated the acceptable use policy. In reading the acceptable use policy again we found that we did not violate any policy as all of our sales come from XXXX and XXXX does not authorize any illegal activity. We called PayPal and spoke with a representative that could not give us a reason as he stated it was above his pay grade as well as his managers pay grade and the people I need to speak with do not answer phone calls but I needed to email XXXX to which I did. I have yet to receive a response as to the reason or the violation we did. Our funds are now being held and we have no reason from PayPal as to why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy ofmy credit report when the above deletion has been 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 2023-01-10
Company: California Business Bureau, 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: Account information incorrect

Complaint:
I incurred a medical debt in an amount less than XXXX in XXXX ( which I have tried to resolve for XXXX years with no success. ) According to the CFPB 's XXXX 2022 analysis, this should no longer be reporting to my credit record, yet it still remains.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XXXX XXXX I posted a cheque for a XXXX Card in the amount of XXXX XXXX Dollars in the mail box at XXXX XXXX XXXX in XXXX N.Y ( cheque # XXXX ). On XX/XX/XXXX, I discovered an unauthorized withdrawal from my account in the amount of {$9800.00}. I contacted my bank, XXXX and they said " The cheque # XXXX in the amount of XXXX was deposited in The Bank of America. The cheque # XXXX was altered and was payable to one XXXX XXXX for a car purchase. It is three months now and XXXX can not recover my money. I would like to know how Bank of America can cash a forged cheque. I want my money back. 
I already sent you a complaint about XXXX. I need to know from Bank of America when I will get my money back. 
Why cant XXXX XXXX  and Bank of America N.A settle their dispute and refund me my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sold my house at XXXX XXXX XXXX, XXXX NC XXXX and requested my power be transferred to the new buyers ( end of XX/XX/2019 ). I have never had a late bill and always received emails and paid online ( was a customer for more than two years ). In XX/XX/2019, I was unable to log in to my account to pay the final bill so I called XXXX XXXX XXXX and they said a final bill would be mailed to me. I never receive it. I call XXXX XXXX XXXX again ( end of XXXX ) and they tell my account is closed and everything is good to go. 

A year later I have a credit check and my score of XXXX is dropped to a XXXX. I find out XXXX XXXX XXXX has submitted my final bill to a collection agency called Helvey and Associates. In XXXX I call XXXX XXXX XXXX and pay this bill immediately and discuss how this is absolutely their fault. They deleted my account online so it could not be paid and when I called they told me everything was closed out and good to go. Now they are saying they sent the bill in the mail which I have never received and they don't have record of my calls ( I tried to pull these records from XXXX XXXX but I can only go back 6 months ). I have had several calls to both XXXX XXXX XXXX and Helvey and Associates and spent hours with no resolution to having this fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: ARVEST BANK GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Central Mortgage Company of XXXX XXXX, Arkansas, bought my mortgage from original lender. Despite industry practice and what they specifically state on their website, they have reviewed and changed monthly payment, purportedly resulting from a change in either tax or insurance escrow. They failed to correspond with my husband who had been given authority to do so with Central Mortgage, in writing. They have failed to provide the requested backup as documented evidence of so called reported changes. 
Additionally, a previous complaint was made by my husband. SeeXXXX. This was dismissed because XXXX stated a response that they were unable to respond to the complaint without authorization from the consumer, FALSE AND UNTRUE IN EVERY RESPECT. CFPB erroneously fell for that and apparently can do no further. I have attached a letter stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 received XXXX Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with XXXX for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is related to the XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt. 
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
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 fraud alerts or security freezes

Complaint:
I called Experian to ask them to remove a fraud alert that I did not place on my report. When the rep ask me a question he did not read the question correcty and therefore i answered the question wrong. After asking to speak with a supervisor and explaing to her that her rep was having trouble reading the question to me and it seem as if he did not speak english the supervisor then hung up the phone on me. Now I can not get through to customer service and I am being blocked from uploading my docements to prove my identity so I can remove the fraud alert. Hard working people should not be allowed to be treated this way by a credit reporting company. Please help 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
Consumer complaint received 2023-05-11
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 appreciate your assistance in removing some of the fraudulently obtained data from my credit report, but there is still information that has been passed along that has to be deleted or blocked. Credit Bureaus are required to delete any records listed on an ID THEFT REPORT in accordance with FCRA segment 605 of the law. I am including this report again because I proactively remembered it from a previous correspondence. My attorney is eager to hold you accountable for your obstinate rebelliousness now that they are aware of my intentions and what I intend to accomplish. 
XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: ID
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 would like to file a complaint against Experian XXXX for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from XXXX  on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter to XXXX XXXX ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with Experian on XX/XX/2018 ; which was opened on XX/XX/2018 by Experian, after sending the request for validation. I sent all correspondence between XXXX, XXXX and I to Experian, regarding this debt. I also explained in my dispute that I had not received any documentation regarding this debt from XXXX XXXX XXXX, that the debt should be removed from my report based on the Fair Debt Collection Practices Act. 
To my dismay I was notified on XX/XX/2018 I received notice from Experian that my dispute had been processed ; however, there was no change. I then called and spoke Experian regarding this dispute ; the girl who answered told me that XXXX said it was valid so there was nothing she could do. 
My original intent was to file only a complaint with XXXX, but then I was informed Experian had violated my rights as well. It is for this reason I am filing a separate complaint against 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
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: MA
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:
To whom it may concern, On XX/XX/20 I received the following deletion letter from XXXX XXXX requesting the deletion of collection item via all credit bureaus. Please note that as of XX/XX/20, the collection item is still on my credit report regardless of the multiple disputes and after providing Experian with the deletion letter. 

The Compliance Supervisor from XXXX XXXX sent the me the following email stating the following : " I wanted to reach out and let you know that we are still working towards resolution on this matter. Experian has advised that our deletion request had been rejected. We were informed that they would be looking into this matter. We will be following up with them today to see if they were able to resolve the issue on their end and delete our information. '' It is important to note that this collection item was removed from XXXX and XXXX earlier this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: Consolidated Information Services Solutions, LLC
State: NJ
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 sent the below letter to this company on XX/XX/18 asking the evidence that I allow them to pull my credit report but they never responded.

" Dear Sir/Madam, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX mortgage Made on : XX/XX/2018 Made with : XXXX, XXXX  and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests to my above mailing address. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to the pandemic, I was laid off from my job in XX/XX/2020. I called BMO Harris Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, I was reported 30 days late to the credit bureaus. I am still currently in the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by BMO Harris Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be 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 non-monetary relief