BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: PMAB,LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PMAB LLC has acted with malice intent to destroy my credit without making any attempt to contact me in regards to the two accounts they are reporting to all three bureaus for the amount of {$290.00} and {$330.00}. PMAB LLC has violated the FCRA and the FDCPA. I have contacted PMAB LLC by mail on XX/XX/XXXX and a certified letter on XX/XX/XXXX in which PMAB LLC signed for the letter on XX/XX/XXXX @ XXXX. PMAB LLC did not notify the credit bureaus that I was disputing these accounts and they have not contacted me back in regards to either letter that was sent. I have a print out from the original creditor going back to XX/XX/XXXX stating I have a XXXX balance to date. This is not my debt and it needs to be removed immediately. PMAB LLC has acted in a very malicious way by not contacting me to begin with as I am victim of identity theft, by ignoring my letters requesting validation while continuing to verify these debts are mine with the bureaus when in fact they are not mine and this is against state and federal law. Remove these two erroneous accounts immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I got declined 3 times because of experian credit scores its almost 100 points deferent from XXXX credit reports. I dont understand why is the big gab I did file to remove some stuff that shouldnt be there not even a return mail to explain why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019an iquiry appeared on my report. I would simply like it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started to contact loan care back in XX/XX/XXXX. I stopped to make payment in XX/XX/XXXX. I had car accident on XX/XX/XXXX, and after it was struggling for my sickness. I bought the full coverage, and paid off the car loan. But I never thought I did not get paid until today. So I sent the loss modificaiton process, and kept can not reach the person for my case through loan care. So I hired the XXXX XXXX XXXX for helping me as the witness for my case. It kept saying that no documents received. The law firm told me to file the bankruptcy to postphone the sale time, and wait for loan care to give me the new plan. But I got the sale news through flyers again. I hired another Premium legal service to help me. Again they did not do anything just asked me to file bankruptcy again. But the result is nothing done, and my house sold on XX/XX/XXXX. Loan care closed the modification case for no documents filed on the same sale date. I felt this is dual tracking and loan care should not sell on that day. And also I had grandma and grandfather illness and passed away in XXXX. I am the XXXX XXXX for my parents, and I had to go back to XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX Now there is no one can help me to get my house back. I need correction for my process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied and received a capital one platinum secured card in XX/XX/XXXX. I paid a deposit to my credit limit and was told that after six months my card would go under review to be unsecured and the deposit money would either be returned to me or put towards paying the balance on the account. In XX/XX/XXXX I called to find out about getting it unsecured and was told that anyone with 100 % payment history was being reviewed to become unsecured and I would hear from someone soon, and never did. 
Now two years later I have had one smallCredit increase and can not get anyone to talk to me about why or why not my card can be graduated. Today I spoke with a senior account supervisor named XXXX who told me that the secured card Component does not take phone calls or talk to anyone. And she had no answers for me except for Im not sure and Im sorry. I also have a second card with the same company, that was offered to me unsecured, no interest for the first year and a much higher credit limit to start and I have had that card just a few months less than the other one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
I am writing in dispute to the payment history reported from XX/XX/XXXX through XX/XX/XXXX. During XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid as agreed per a Trial  Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. Experian, XXXX, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make  the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements from XX/XX/XXXX-XX/XX/XXXX showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX  representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Have received repeated threatening, and harassing phone calls all day and night from Consumer Collections Management. As well as calling, and hanging up on me and my family. Consumer Collections Management claimed I owe XXXX that I do not owe from any Rental company I never rented with. The rental company that was Stated by Consumer Collections Management Collection agency was the XX/XX/XXXXat the Arboretum. I have no debt with this company. 

I have no connections with or any financial obligations or business regarding any outstanding Debt with anyone or this company. Consumer Collections Management has also continued to threaten me, and my family saying if I don't pay this unknown debt collection amount they will place it in my credit report. This Debt is somehow connected with my name, and personal identity. I will not be paying this unknown debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I received a text message from my mother : " Keep getting phone calls from Victoria Secret for you. '' I do not share a phone number or address with my mother and I have not in over 10 years. She told me that on several occasions they attempted to discuss my account balance with her and she told them to stop calling her. 

On XX/XX/XXXX the credit card company, Comenity Bank charged my personal checking account with a charge reporting that I authorized the charge over the phone. I have never spoken with the company over the phone. I did not authorize any charges. I messaged them over their online messaging system about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled my account with XXXXXXXX in XX/XX/XXXX( at the request of XXXX ) because I was doing long term work in XXXX, Ak. XXXX advised me that they did not service Alaska and the roaming would be too high for them so I complied and canceled my phone service ( 2 lines ). I changed cell phone companies ( at the request of XXXX ) but XXXX continued service and billing on one of the phone lines that I canceled. So, I followed up with a call to XXXX customer service in XX/XX/XXXX to ensure they cancelled both unused lines and I would not be getting billed for them. The representative at the time informed me that 1 line was still active but assured me she would cancel and take care of all lines and charges. In XX/XX/XXXX, I recieved another bill, I called and went through the same process with XXXX customer care. Again, the representative confirmed in my account notes that the lines should have been canceled. The matter was not resolved until XX/XX/XXXX when I recieved another bill for the unused second line of the account that had been closed for over a year. Again I called and spent 1 hour +23 minutes on the phone with XXXX customer service and their manager XXXX while they poured over their notes and finally apologized for the inconvienience and reversed the charges and ensured the account was closed. In XX/XX/XXXX I recieved yet another bill! This time for {$43.00} for an account set up fee. Obviously, I don't have an account so I clearly did not authorize any fees. I contacted XXXX today via live chat to contest the false charges. The online representative XXXX XXXX was unable to help me because she showed the account in fact closed but with a new set up fee. She told me to call customer service so they could help me. I have been extremely diligent in trying to resolve the inacurate billing XXXX has charged me. At this point, I feel like they are intentionally adding fees and continued unauthorized billing in a predatory manner. It is my assertion that XXXX is trying to extract money from customers who don't have to time or resources to contest false billing. Please investigate XXXX 's billing practices. Furthermore, since XX/XX/XXXX XXXX forwarded this nonsense to a collection agency. XXXX XXXX. I went through several step with them as well as the 3 collection agencies and resolved the issue with all parties except Equifax. Equifax continues to report this false charge and their customer service representatives are very difficult to communicate with. Also, 3 of the 5 times I called Equifax  through this nightmare, they couldn't help me because their system was down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, 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 status incorrect

Complaint:
I am writing in dispute to the payment history reported fromXX/XX/2017 throughXX/XX/2017. During XX/XX/2017,XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XX/XX/, Equifax, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements fromXX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX   representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: ERC
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 information incorrect

Complaint:
On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to unfreeze credit report in order to open a new phone plan, but a week later it is still frozen and my cell provider can not process my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
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 status incorrect

Complaint:
I am writing in dispute to the payment history reported fromXX/XX/XXXX through XX/XX/XXXX. During XXXX XXXX XXXX XXXX, and XXXX XXXX. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XXXX, XXXX, and Transunion). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XX/XX/XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements from XX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XX/XX/XXXX representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XX/XX/XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair credit reporting act 12 XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} also XXXX Bank XXXX has violated my rights for the amount of {$970.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX I applied for an online loan with XXXX XXXX  and also a checking account. I was denied and one of the reasons was that the bank was unable to verify my identity. DataX was listed at a reporting agency that gave the bank my info to base their decision. I ordered my report from DataX and all of my personal information was outdated and incorrect. I sent back the dispute letter writing what was incorrect but a few days later I got a letter back stating that they can not fix inquiries. So I called DataX on XX/XX/21 and spoke with a rep. She advised me that I would need to contact the very first lender or bank I ever applied with and have them update my information because dataX can not do it and my information they have on file will be on there for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
I have taken a major drop in my credit score because od this fraudulent account. I have never had an account with this company or agreed to any contractual agreement to repay A debt. On my credit report it says the original creditor was A place called XXXX  XXXX XXXX. When I contact XXXX  XXXX XXXX they inform me this was an online loan taken out back in XXXX and the debt has been sold to this company. This is A FDCPA violation! This company is reporting inaccurate FRAUD information on me report with A open date XX/XX/XXXX! I have informed the original creditor this is A fraudulent account as I have never had a loan taken out with anyone.

Company response to consumer: Closed with explanation