BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today X/XX/2017 at approximately XXXX XXXX I was called by what I was told was the " Bureau of collections of Maryland '' attempting to collect a debt from XXXX XXXX. They notified me that the call was being recorded. They stated that I owed around XXXX to XXXX XXXX and wanted to " update '' my information and get this amount taken care of. At this time I stated that I do not not have the funds available and since I am working right now I requested that they call me back later on in the day. She then asked " why did you answer the phone then if your at work? '' At this point I stated " because I have been being called and harassed regularly by this phone number for the past few days, and the calls ONLY come during my work hours '' at this time I stated again " can you please call me back later today I am at work '' she said " I 'll give you my information so you know exactly who your talking to and what amounts we are talking about '' I said " okay. '' Out of nowhere another RUDE and demanding voice comes on the phone demanding to know why I even answered my phone if I was at work, and I explained AGAIN that I was being harassed by this number. She told me they had called me yesterday X/XX/2017 and that I had answered and said " who is this '' and when I found out it was them I hung up. THIS WAS A LIE!!!! I have never spoken to this company prior to today, and if I had, why would I answer at work KNOWING it was them? Paying ANY debt to this company now concerns me because if they are willing to lie about something so trivial why would I trust them with money/ bank information and any debt resolution? She then stated that " I have no more time on this matter and if I do n't pay half right now they will just report it to the credit bureau. '' I again told her " No I will not being doing that today. '' Her reply was " Fine well just report this to your credit '' and then hung up on me. All I wanted was to not be harassed at work and instead got this rude phone call from a debt collection agency that refused to work with me, demanded money I do n't have, and offered no help in resolving this matter. I refuse to be harassed at work! I will be doing more research on the Fair Debt Collection Practices Act. No one deserves to receive harassing phone calls like this, especially not people who are trying their best to make ends meet for their family and fall short on a bill or two here and there.

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 2022-02-13
Company: Experian Information Solutions Inc.
State: TX
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:
My privacy is severely important to me and these companies are infringing on my right to privacy. They keep sharing my personal information without my consent. I need it to stop immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: TX
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:
My privacy is severely important to me and these companies are infringing on my right to privacy. They keep sharing my personal information without my consent. I need it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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:
I was made aware that an account was opened using my name in XXXX for XXXX XXXX XXXX. This account was opened using a NY address despite the fact that I was living in Arizona, and have the supporting documents to prove it. 

I don't understand why it is so difficult for them to see that a college student at the time could not possibly be paying for services in a state I did not reside. 

Having this inaccuracy on my file is getting in the way of my life, and so I am writing to you today in hopes that you will help me move forward with all of this. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: IL
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 recently pulled a copy of my credit report that that your company publishes, and after reviewing it continue to find a number of items that are reported as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Your company discloses to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to this complaint via mail, or email. Please upload all documentation to the CFPB portal. Your company routinely provides a status of verified for disputed accounts without providing any proof of verification. I have been requesting proof of the below accounts for over 2 years. Upon disputing the below accounts, information on the account is either changed by the furnisher without providing any documented proof, or your company simply responds with the account being verified. 1 specific example of such activity is XXXX XXXX XXXX I submitted a complaint to Experian, and was told by Experian the dispute was frivolous and would not be investigated, as the XXXX XXXX XXXX had verified the account. I only way that I was able to obtain a fair investigation of the account, was by submitting a complaint to the States Attorney Generals office : Which resulted in the removal of the account from my Experian credit report.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 10 days of receipt of this complaint then you must remove these accounts from my credit report. I have reached out the listed companies and was advised they were not able to provide any contractual information, endorsements, or payment history. However, your company is advertising such information on my report. This behavior is a violation of my federal rights. This will be my last attempt to amicably resolve these issues. Please provide verifying documents of endorsement and contractual obligation, and payment history for the below accounts. 

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 explanation
Consumer complaint received 2019-05-25
Company: ECMC GROUP, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-05-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, and I refuse to be held for something that is not my responsibilty

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, 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:
I have recently disputed an account that is not mine on Equifax I would like them to resolve the dispute in a timely manner. I have filed a ftc report to support my claim so there shouldn't be any problem when removing this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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 am a victim of identity theft. See the attached report for list of reported accounts. Please remove these violations from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint became the servicer of my loan on or about XXXX XXXX. On XX/XX/XXXX at XXXX a.m., I called Shellpoint to ask for a copy of my Note and I was told by XXXX of Shellpoint that they did not have my Note and that I had to get a copy of my Note from the previous servicing company. When I said, " what do you mean, that makes no sense. Shellpoint sent me a letter informing me that it would be taking over my loan servicing in XXXX XXXX and it wants me to pay it but it doesn't have my Note and will not provide a copy to me ''. XXXX replied, " You can call serving ''. To which I responded, " I did. You work there, submit the request! ". Then she said, " I am not going to request it for you. ". Also, I asked to be told what number payment I was on and XXXX told me XXXX. This loan originated in XX/XX/XXXX, it has to be more than XXXX. XXXX also lied to me. She said that I had to show proof of my hazard insurance. That the Note said I had to but yet, she told me that Shellpoint didn't have my Note. I asked to speak to a supervisor and XXXX put XXXX XXXX on the line. He was not a supervisor. I asked him to allow me to speak to a supervisor and after telling me three times that he was still waiting for a Supervisor and then sent my call to an out going message that said Shellpoint was closed. It wasn't closed. It was XXXX a.m. and Shellpoint is open until XXXX p.m. on XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Bread Financial Holdings, Inc.
State: CA
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:
This account was paid and closed. According to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately due to age.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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 am a victim of identity theft. See the attached report for list of reported accounts. Please remove these violations from my credit profile.

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 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. See the attached report for list of reported accounts. Please remove these violations from my credit profile.

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 2017-07-12
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: Public record information inaccurate

Complaint:
My credit reports are showing a {$1600.00} balance from XXXX Magistrate Court owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. XXXX lists the filing date asXX/XX/XXXX while Transunion lists the filing date asXX/XX/XXXX.
<P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are 3 bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.

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 2017-07-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested validation of a debt listed on my credit report from University of XXXX also listing their information as XXXX. I have never borrowed any sum of money from the University and I have asked them numerous times to prove the loan source. None of this information is listed with the Department of Education which is the actual lender for school settings.

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 2022-02-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Thursday XX/XX/XXXX, sometime around noon, I noticed a couple texts on my phone from my bank Huntington Bank, that there was attempted use of XXXX on my account, before I was able to respond I received a phone call from Huntington Bank, the man said he was from the fraud Dept and needed to verify it was me on the phone and asked for my username and he said he needed it to verify it was indeed me on the phone, then he said he had to text me a code and I would have to repeat it back, he texted me the code, I repeated it. He put me on hold, for a few minutes and then returned and said he had stopped the fraud, but had to close my account for me to log in for 24 hrs, and when asked if I could use my debit card he said yes, because that is my only way of purchasing anything. I thanked him for his help. I have an Autistic son I care for daily, and I left to go buy him some food and my debit card didn't work, so I called Huntington bank and said, I thought you gave me permission to use my debit card my son needs groceries and the woman said, we did not call you. And then I was informed the only money I have to my name at XXXX years old was taken out of my account by XXXX XXXX transactions {$500.00} plus dollars, including {$170.00} of my XXXX sons money, his account is linked with mine. I am also on XXXX and that is all I have and a debit card. Huntington closed my account, stopped my debit card, and told me I most likely will not see my money returned. I have no gas, no food and can't pick up my prescriptions, I have cried for three days, I am devastated. Huntington bank, within a matter of maybe ten minutes allowed a password change, an internet transferring put my sons money into my account, and XXXX XXXX transactions. I noticed much later that Huntington Bank did email me about password change and that someone asked for a code? I was with my son, not checking emails. They should have stopped this activity, I trusted them to protect me. Is there anything you can do, I also have many bills due, but no money no account no charge cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-31
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Phoenix Financial Services LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account appeared on my XXXX Report suddenly. I 've never received any documents from this company nor have knowledge of what this account is or if this account is mine. I have no knowledge of this account or this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: CITIBANK, N.A.
State: CO
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:
On the date of XXXX, Citibank suddenly closed all my credit cards without any warning or notice. When I called, the agent refused to reopen the account or disclose any related information. This is very arrogant as a general credit card issuer.

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 2017-07-12
Company: EQUIFAX, INC.
State: NV
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:
4 loans from XX/XX/XXXX-XX/XX/XXXXhave been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX/XXXX/2017 -- I tried making my payment of {$610.00} and found out that they had a new process of adding fees to payments such as One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} My payment with my previous lender was on the XXXX of the month because I am on social security and only get paid the XXXX  Wednesday of the month. When the mortgage was sold to this lender my first payment was last month and I paid {$610.00} on XXXX/XXXX/2017 without penalty and I also talked to representative at that time and he stated that I had 15 days to pay without penalty. They are not calling this a late fee but it really is. They changed my payment date and are charging for being late -- I believe as a XXXX Veteran on Social Security they are scamming me. The name of the company is Loancare in XXXX XXXX, VA XXXX -- watch out for these crooks.
<P/>
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Indiana XXXX XXXX

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