BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have disputed wrong information on my experian credit report I keep getting emails the results are ready to view I put in the report number XXXX ( 1 ) I answered for my social security number dob and tried to view the results this is not the first time this has happened. I ca n't review the results from the investigation I keep getting a message that they ca n't allow me to view the results of the investigation and I need to call the XXXX number they provide. Like I mentioned earlier this is not the first time this has happened. How am I suppose to find out what the outcome is when they wo n't allow me to view I feel games are being played here because I have sought legal advise to this existing 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 non-monetary relief
Consumer complaint received 2021-02-23
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I disputed a claim for debt and requested validation of alleged debt with Steven 's Business Service located in XXXX Massachusetts. I requested they prove the statue of limitations has not expired on the account. I requested proof that Steven 's Business Service is authorized to collect in my state. I requested license numbers and registered agent contact information as they are incorporated. I requested copies of verifications that show I agreed to pay the alleged amount of debt. I requested 30 days to validate any information the Respondent should supply. I requested a cease and desist of reporting any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
On XX/XX/2021 Steven 's Business Service responded with copies of medical billing statements. I did not ask for simple verification of the alleged debt, I asked for validation. I was not supplied with proper documents. I was not supplied with proof that the above respondent can collect in my state. I was not supplied with license numbers or registered Agent information. I was not supplied with proof that the statue of limitations has not expired. I was not supplied with verification of an agreement with any party to pay the alleged debt. Steven 's Business Service continues to verify and report invalidated information to the credit reporting repositories. 
I have proof that Steven 's Business Service is attempting to collect and reporting debt that is time barred according to Massachusetts General Laws on the statue of limitations. Furthermore the above Respondent is in violation of the Fair Debt Collections Practices Act. The alleged debt occured when my employer changed the employee benefits group insurance company. I was fully insured through my employer, however the medical office had incorrect billing information due to the employers change in carrier. I do not owe this alleged debt. The correct carrier was billed for this. This is duplicate and time barred alleged debt. I request that the incorrect information be removed from all credit reporting repositories, as it has no validation and is inaccurate. This is detrimental to my credit report. Please assist me in rectifying the inaccurate information and providing me with any proof of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I want the fraud accounts removed ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately Chase is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Transunion, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

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 2020-07-16
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was sent an empty debit card that was supposed to be my unemployment funds, that has been over a month ago and no updates, no money transfer, no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: CA
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 would like to put in place security freezes with the three reporting agencies. This is particularly important given my information was breached by Equifax in XXXX. I had no problems placing freezes with XXXX  and XXXX. 

I tried to place a freeze with Equifax ( the subject of this complaint ). I created an online account successfully, but their system rejected the start of a freeze. 

After several phone long phone calls, Equifax refused to place a credit freeze on my account, despite providing significant personal information online and over the phone. Equifax insisted that I send them additional sensitive personal information. When I asked what security protocols were in place to prevent new breaches, their representative was unable to provide meaningful answers nor was able to to connect me with a supervise to escalate the complaint. 

The requirement to provide copies of identification is unnecessarily invasive, given there is no consumer choice. I do not want to send Equifax any more personal information. 

Equifax seems again to be a stand out from the two other agencies in a complete lack of respect for consumers who have no choice but to interact with this reprehensible company. 

Date of online account setup : XX/XX/XXXX Second attempt to place freeze online was XX/XX/XXXX. I then tried to call, spending a very long time ( close to an hour ) on the phone, waiting for a supervisor with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
To Whom It May Concern : I am writing to request that you waive the fees and allow me to skip a month of payment and move it to my last payment. Its true that I am late, but there were extenuating circumstances. 

However, on XX/XX/XXXX, a tornado hit the city in which I reside in. As you can imagine, my priorities instantly shifted. 

I will promptly resumed payments in XX/XX/XXXX, but by then it will be too late to avoid being assessed the late fee. Im also concerned that this will cause my interest rate to rise, or that it will otherwise affect my credit. 

Please consider reversing the fee in light of these unusual, one-time circumstances. I wish to remain in good standing with your company/agency. 

Appreciatively, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I made an accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX (proof attached in XX/XX/XXXX letter).  In XX/XX/XXXX, I made another accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX  (proof attached in XX/XX/XXXX letter). Total of accelerated payments = $XXXX.  SPS (Select Portfolio Servicing, Inc.) is my current loan service provider.  In the past year, I've tried multiple times via phone calls to SPS Customer Service to evaluate how these accelerated payments will affect my ultimate payoff date (not maturity date).  SPS not once acknowledged that these accelerated payments had been made, gave me no guidance, and simply stated that the maturity date remains XX/XX/XXXX.  Therefore, I wrote a formal letter on XX/XX/XXXX (attached) of this year asking for assistance with my situation.  SPS wrote back on XX/XX/XXXX (attached) saying in part, that they could not give an "exact" payoff date due to the Adjustable Rate on my loan.  Please note, I did not ask SPS for an exact date in my XX/XX/XXXX correspondence.  On XX/XX/XXXX, I again responded (attached) asking SPS to acknowledge the accelerated payments and account for them, as well.  In addition, I requested assistance in estimating a reasonable payoff date.  On XX/XX/XXXX and XX/XX/XXXX, SPS responded (attached) in part, saying that they had already addressed my issues and considered the matter closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I used XXXX to access my annual XXXX XXXX. As I attempted to access my Transunion Credit Report, I encountered an error. While I was answering the required questions, it appeared that the Credit Report began to download. At that moment the webpage closed. When I attempted to re-download my Credit Report by re-entering the XXXX information, I received the following message from XXXX : " We are unable to complete your request. 
What happened : Our records show that TransUnion has provided you with the Personal Credit Report XXXX XXXX XXXX you were eligible to receive free of charge within the past 12 month period. ".

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 2020-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notice in the mail that Bank of America was closing my credit card They said from lack of use, which is fine, but I received NO notification? So they cancel a card in good standing without telling me. When I received the letter about my card being canceled, they said the matter was closed and they were unable to change it. They said I could re-apply, but Bank of America would have to make a credit check, which hurts my credit. Bank of America closing of my account also hurts my credit.

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 2018-09-20
Company: BRite Financial Services, Inc.
State: WI
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:
THIS IS A NEW COMPLAINT NOT A DUPLICATE!!!!!!! 


Brite Financial reported fraudulent information to all three credit bureaus. Advised that I missed 3 payments in XX/XX/XXXX XX/XX/XXXX as of  XX/XX/18. Payment was made to Brite financial on XX/XX/2018. No further payments were due at this time. Copy of receipt shows payment made. 30 days BEFORE report made to credit bureau. 

Furthermore there is still no working phone number to reach ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: Account information incorrect

Complaint:
account was paid off XXXXmy credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at XXXX ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance

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 2020-05-22
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: Account status incorrect

Complaint:
In XXXX, XXXX I noticed that Experian was showing that I had late payments on 2 accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ). AlsoXXXX my street name was incorrect ( they show a non existent street ). I mailed my first dispute using their form on XX/XX/XXXX. A second dispute was submitted online on XX/XX/XXXX. After receiving notice that corrections had been made I found the credit report was still wrong and I submitted a third dispute by email on XX/XX/XXXX. I was informed I could not dispute by email and sent a dispute letter on XX/XX/XXXX with supporting documentation for the incorrect street name as I had been instructed to do. ( See attachments # 1 ). I received an updated partial report dated XXXX ( see attachment # 2 ) which shows all information has been corrected. I then received a full report dated XX/XX/XXXX in which the late payments and wrong street name reappeared ( see attachment # 3 ). XXXX XXXX does not show any late payments and has provided a payment history ( see attachment # 4 ). I am not able to obtain info from XXXX XXXX XXXX on the credit card as the card in no longer active. I can only state that I have never been late on any payments even during the bankruptcy filing. In addition, I was denied a credit card from XXXX XXXX XXXX as a direct result of the inaccurate and negative information provided by Experian ( see attachment # 5 ). I believe that Experian is deliberately, willfully, intentionally and fraudulently posting harmful negative information on my credit report with the intent to negatively impact my credit rating. I further believe that Experian is deliberately, willfully, intentionally and fraudulently posting the incorrect address on my credit report with the intent to negatively impact my ability to obtain additional credit. I also believe that Experian is deliberately, willfully, intentionally and fraudulently refusing to correct the errors on a permanent basis with the intent to negatively impact my credit rating and to negatively impact my ability to obtain additional credit. It is important to note that both XXXX and XXXX have no late payments on their reports and have my street name correct. It is only Experian that is posting the inaccurate information and refuses to make the necessary corrections to my credit report with them. Another point of information, Experian also has the incorrect street name on my wife 's credit report. In response to her multiple disputes, Experian changed the city and state on her report to a city and state that she does not and never has lived in ( see attachment # 6 ). Experian has a known and documented history of falsifying credit reports for myself and my wife.

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 2020-09-06
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:
There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have XXXX and XXXX and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is

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 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have Medicaid and Medicare and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is

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 2020-01-23
Company: Experian Information Solutions Inc.
State: AZ
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 purpose of this complaint is to let whoever is concerned know that I am a victim of identity theft. I have been disputing the account listed on this report for a couple of months now. The first time I sent in paperwork was around XX/XX/2019, and all the accounts that resulted from my identity being compromised were removed. However, as of recently, the XXXX-Card and XXXX XXXX XXXX mortgage listed in my doucuments have began to report on my Experian and XXXX  report once again. I noticed this in XXXX and once again I sent in documents to prove that the account does not relate to any transactions I have made. I had no gain of goods or services from these accounts. Yet, they continue to report on my Experian and XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX The above called me before XXXX CST. This occurred in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief