BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: EQUIFAX, 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:
I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. XXXX   shows that I have a balance on my XXXX XXXX for {$7200.00}. This car was paid in full by the insurance and I have a XXXX balance- account closed, I have notified them twice and they continue to report as accurate of {$7200.00} which is incorrect-this account needs to show as closed. The account for the XXXX does show closed and XXXX balance on my Equifax report. These should match. 
Now, Equifax has 4 collections showing open accurate from XXXX XXXX   for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. XXXX  has these same 4 accounts as closed. I think these should also be closed on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I know that I am in good standing with the collection agencies and they are not properly submitting the amount on my credit report. Prior to this as well I tried on several occasions just to pay it off and offer an amount and they refused that as well. I believe this needs to be taken off now and I should not have to pay this back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Asset Management Outsourcing, Inc.
State: AL
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/2019 Nationwide Recovery Services from the original creditor XXXX XXXX XXXX per XXXX XXXX added a derogatory mark on my credit report. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also there was no form of written communication, contract, signature, for this accused debt at all. A bill without a signature does not validate the debt, and anyone could send a bill and say its mine. According to FCRA the above collection agency has violated my rights as a consumer and I am requesting legal action to remove this from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Are you kidding me? the last time the spoke to me was XXXX2018? I have been contacting them through the CFPB. Are they really that lame? I was told it takes 30 days for this to be removed and we are now into the 90 day time frame and it is still on the XXXX report. So again Credit World has been in contact with me through this portal please get the facts straight. I was getting absolutely no where when dealing with these people directly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
This is a response to Experian 's response to my CFPB complaint summitted on XX/XX/2020. Experian explicitly stated that in their opinion the CFPB complaint was not submitted by me. I will assure Experian that in fact I XXXX XXXX am capable of submitting a complaint, despite your perception of me. I will once again attach a copy of my ID and Social security number with a utility bill as proof of my identity.

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 2020-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company name is Portfolio Recovery, I answered the call many times and spend hours explaining the problem I had with the original creditor. 
The accounts they purchased from my original creditors were reported as identity theft, and also a police report was provided multiple times. For years this company is calling me for this accounts. The accounts had fraudulent charges but the original creditors sold the accounts without farther investigation. They stated at the time that I did not send the information in time, but I have proof that I sent all the paperwork needed. All this information was explained to this collection company but they keep sending me the same information, ( this account was yours ). Yes the account was my but the charges were not. They just keep trying to get pay for a debts that were reported as Fraudulent. 
I did everything at the time, reported to the banks that holder my accounts, reported to the credit Bureaus and to the police, and I even put a credit alert on my Social Security. 
This company is filling me for years and years, every time I block the number they called from a different one. I have over 50 numbers already in my contact list that are blocked. I dont know what else I can do to stop this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So I get this debt that XXXX XXXX XXXX XXXX claims I owe them {$210.00}. Thats funny cause I spoke to their CEO on this situation, they claimed they would make it right. I mean how man times does a hospital misdiagnose people, I mean lets take example here when I come down sick they walk in take my XXXX listen to my XXXX and say I have an XXXX XXXX  XXXX how do you diagnose that, so at this point I get a 2nd opinion from another medical facility that took the time to run the tests, they examined my XXXX even doing an XXXX of my XXXX. They found nothing wrong within my XXXX but they did find out that I had XXXX XXXX and an XXXX XXXX. 

So after speaking with the Parent Company of XXXX  XXXX XXXX XXXX  and their CEO and their Director of Emergency Care they both claimed they would make this right but apparently that must have been a lie right to my face cause they wan na charge me for WHAT misdiagnosing me, maybe I need file a complaint with the TEXAS MEDICAL BOARD cause this hospital constantly misdiagnose people, nothing against the company its the staff the needs to be overhauled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: ID Analytics, Inc.
State: NJ
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:
On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XX/XX/XXXX -XX/XX/2019I have left numerous voice messages in regards to the matter but still no confirmation. 

I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i went to a hospital in emergency after an accident on, i was charged over $ {$6000.00} by the XXXX XXXX XXXX XXXX XXXX hospital which my health insurance paid, there was no delectable after complete payment left, after a 2 months i have received debt collector letter to pay amount of {$19.00} or they have written in big bold letter that it would be sent to all 3 credit beuro, i disputed this charge but they are not even bothering to listen or respond and keep sending robo calls on my phone nos harassing me to pay or it would be sent to credit beuro

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Bread Financial Holdings, Inc.
State: CT
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 contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by XXXX  that the XXXX XXXX XXXX  Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP XXXX POINTS!!! 

I immediately contacted XXXX and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My husband and I consolidated our student loans, and in 15 years, we have never had a late payment, or struggled to make our payments. Sallie Mae sold our student loans to Navient, and after making a late payment one time, in XX/XX/2018, because I believed I made a payment, but forgot, Navient increased our interest rate an entire percentage point. I paid the student loan payment as soon as I was notified by Navient that the payment was late, and they still raised our interest rate. I called, and spoke to a representative who informed me she would submit a request to have the interest rate hike removed from the account, but it was not removed, though our conversation led me to believe it would be. When I called Navient back to question, they said our lower interest rate was a borrower incentive that had been removed, and that the 'processing department ' denied the request to add the incentive, and they would leave our interest rate higher by a full percentage point as a result of one late payment. It saddens me that after 15 years of almost always paying our payment early, one late payment would result in an interest rate hike of 1 %, with no grace on the part of the company. This is why Americans have so little faith in banks and lending companies like Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion continues to report 2 accounts on my consumer report that have already been removed from the other two major consumer reporting agencies. The accounts are both under the company name XXXX. These accounts were removed from XXXX as of my XX/XX/22 report, and removed from XXXX as of my XX/XX/22 report. Pursuant to Title 15 USC 1682e ( b ), consumer reporting agencies should follow reasonable procedures to ensure that the information that is being reported is accurate. Continuing to report accounts that have been removed from other consumer reporting agencies is a violation.

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 2020-02-02
Company: APEX Asset Management, LLC
State: NJ
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:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for.

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Now all they did was send me a copy of what I sent them and a letter for me to give my personal information nothing else. With that being said my dispute letter was direct, concise and to the point with account number and reasoning. They are stalling and not following law of the Fair credit reporting act and can be found in violation in fact. You had 30 to 45 days and you sending me a copy of what I sent you is not going to cut it. You have nothing to prove this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have sent documentation to your department, however the problem was misconstrued. I am not having trouble paying the mortgage. I am having trouble with obtaining a partial release in order to sell one property with the proceeds being used to pay down the principle balance. The property to be retained more than supports the balance of the current mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: KY
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 tried to apply for a credit card and received many inquiries. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 
Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
in accordance with Fair Credit Reporting 609, the list of account below has violated XXXX XXXX ACCOUNT NUMBER # XXXX it a charge-off but they reported it as a collection. 
XXXX XXXX XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX it's a collection but they reported it as a charge-off to. 

Also the credit bureau took more than 30 days to complete my investigation.

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 2022-11-20
Company: Experian Information Solutions Inc.
State: CT
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:
XXXXXXXX XXXX XXXXXXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.

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 2021-11-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my credit report i have a Sears CC since XXXX ( see information below ), but i don't recall ever opening a cc for this store. I don't really shop at Sears. However, the CC still shows in my report. 

SEARS/CBNA Account # XXXX Balance : {$0.00} Opened : 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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
i did not consent to authorize the following inquiries nor do i have an account with the listed persons.

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 2018-09-28
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
This account was paid in full of XX/XX/2017. I called the representative to verify and they stated that i was never delinquent or missed payments. The account is in good standings. The representative said they will have all credit bureaus remove negative items but nothing has happened

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 2018-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX and XXXX XXXX which sold the account to XXXX and ALL are reporting.

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 2018-09-28
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I consolidated all my student loans in XX/XX/2017 I was with XXXX XXXX and the company I thought I was consolidating with ( XXXX XXXX XXXX XXXX ) charge me {$190.00} for 3 months they were some kind of clearing house for the government in student loans and my payments would be {$98.00} a month for 12 months then it would go up because I was on the Income Driven Repayment Plan now I had to re-certify and because according my income forms I made {$5000.00}. more than last year because I retired and went back to work my payments are now 5 times more than I was paying, they want over {$500.00}. a month and my husband does not help me with any bills, but we file jointly my husbands income only benefits me with food and car insurance that's all he pays in house hold bills. Perhaps if I filed married filing separate would help me I don't know I will have to check into that. For now, where do I stand. Let me back up here, the company I am dealing with is Nelnet with the U. S. Department of Education logo on it, their address is XXXX XXXX XXXXXXXX XXXX, XXXX, Ga XXXX. I can send you any information you need via US Postal.

I hope something good comes out of this for me, because I could be drowning in debt if I paid what they are asking. P. S. I never got a degree for all the student loans I have, but an education with a XXXX grade average, at test time left too many blanks airgo did not pass and no degree or certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I owned a house at XXXX XXXX XXXX, XXXX XXXX XXXX, WV. through Bank of America. ( Account # XXXX ). My ex-wife and I divorced in XX/XX/XXXX and house awarded to me with the stipulation that it be sold. Ex-wife had not made payments during marriage and I got a HUD loan to catch up on payments. Was unable to sell house and county court reversed decision and awarded house to ex-wife, XXXX XXXX XXXX XXXX in XXXX. In XX/XX/XXXX, flood took the house. Had flood insurance and Flood Insurance Settlement BANA paid mortgage off in XX/XX/XXXX. HUD loan was attached to mortgage in refinance. Since that time, I have been paying the US Dept of Treasury for what I thought was a school loan, but after contacting them found out that it was for a HUD loan on the house. I told them that the mortgage was paid off from flood insurance, but they did not get paid off. This should have been paid off by flood insurance. The Flood Insurance Settlement ( BANA ) claim number that should have paid off this debt is XXXX. Please help me settle this. I have to pay {$180.00} dollars monthly to HUD and my wife and I live on a fixed income.

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