BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
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: Information belongs to someone else

Complaint:
this report is to let you know about the situation I have with my credit file some one took al my documents from my car and open fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Harvard Collections, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The name of the debt collection company is Harvard. Today I received a call from XXXX XXXX XXXX XXXX. Caller ID showed XXXX XXXX. When I answered a person who barely spoke English and spoke with a heave accent, either XXXX or XXXX, asked for me by name and identified as being with Harvard Collection. I believe they are using this caller ID scam as a ruse to trick people into answering their phones. This is deceptive and they need to stop! I do not even know what type of debt they are trying to collect and I have been a victim of identity theft so it may not even be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019, Pioneer Credit Recovery called cell phone numbers that are under my name ( XXXX, XXXX and XXXX ) looking for a XXXX XXXX XXXX. After speaking with the person that called, XXXX, I asked for a supervisor and spoke with XXXX XXXX. Ms. XXXX explained that they go on the internet and pull phone numbers for anyone with the same last name and call them to try to locate the person they are looking for. They should not be calling any of my phone numbers since I am not the person they were looking for.

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 2019-02-26
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: Information belongs to someone else

Complaint:
I have disputed this account, filed a police report, and also submitted a FTC complaint. 
Upon reviewing my credit report in XX/XX/XXXX I noticed six separate fraudulent accounts ranging from credits cards to loans. I have been successful in removing some items but I continue to see an item show even after my repair attempts. Account in question : XXXX XXXX XXXX XXXX Account # : XXXX, opened on XX/XX/XXXX, with a credit limit of {$15000.00}. The account showed closed XX/XX/XXXX with a high balance of {$15000.00}. I have not nor have I ever gave anyone permission to use my information to open any lines off credit, credit cards, or open any loans. 
I also seen 3 inquiries that I have not authorized on my XXXX report. 
1. XXXX XXXX XXXX date : XX/XX/XXXX 2. XXXX XXXX XXXX date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX I have not applied for credit with any of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage was recently sold to AmeriHome Mortgage Company , LLC ( " AmeriHome '' ). We remit payment for our homeowners insurance through our monthly mortgage payment which is held in escrow and then used to pay our annual insurance premium. Our insurance company XXXX XXXX XXXX has sent multiple bills to AmeriHome and AmeriHome has failed to remit payment on our behalf for the annual insurance premium. 

Both we and our insurance provider have called AmeriHome nearly a dozen times to try to resolve the problem without success. Nearly each time we place a call to AmeriHome, the wait time is greater than an hour to speak with a representative.

On at least two occasions, the AmeriHome representative has assured that payment would be remitted to XXXX with overnight delivery, however, AmeriHome has yet to remit the payment from our escrow account to date. This issue has persisted for greater than 2 months.

On three occasions, we have requested to speak to a supervisor and the respective AmeriHome representative states they are unable to transfer the call, but assure a supervisor will call back ; no supervisor has ever returned a call. 

Ironically, AmeriHome has sent at least 2 letters to us notifying that our homeowners insurance policy is at risk for lapsing, which has been entirely caused by their incompetence and failure to remit payment.

We have timely made mortgage and escrow payments each month, even paying greater than the minimum amount each month. AmeriHome has willfully failed to remit payment from our escrow account for our annual insurance premium. They have had written notice from the insurance company, and both we and the insurance company have put them on notice via phone communication on multiple occasions. AmeriHome has failed to take any action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$1400.00} XXXX XXXX {$590.00} XXXX XXXX {$9500.00} USDEPTED XXXX {$3500.00}

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 2018-12-04
Company: EQUIFAX, INC.
State: MI
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 sent the 3 credit reporting agencies ( XXXX, Equifax XXXX ) 4 letters disputing the items below on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I want to see Verifiable Proof ( an original Consumer Contract with my  Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  and Equifax has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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 status incorrect

Complaint:
This account has been paid off in full information is not correct I have returned the equipment and made payment in full this information needs to be updated should not be showing delinquent on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: IN
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:
The following inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ON XXXX, XXXX XXXX  were not authorized..I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit 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 explanation
Consumer complaint received 2023-05-16
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:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I open and received a new credit card : CITI CUSTOM CASH. I applied for it in advance anticipating a purchase I wanted to make. I have a summer home, and used it as my credit card address. 
I received a notification that I have to call a number because they detected a " suspicious activity ''. I called, and the only way to unlock my account is CITI to send a letter to my home address which I can't obtain because I'm NOT at my summer home right now. It would also take a long time not appropriate for my purchase. I asked to close my account which is also impossible according to CITI. I never heard of anything like that which is very concerning. 
CITI Customer Service is HORRIBLE with hours holding. They use off-shore representatives, speaking to the XXXX customer service is impossible due to wait time. All representatives are rude, especially ones in the " XXXX XXXX '' ( name : XXXX- a supervisor ).

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 sent transunion numerous certified letters since XX/XX/2020 about inaccurate credit inquiries on my credit report. The most recent letter dating XX/XX/2020 was returned already by a letter by them stating that they could that my two forms of ID i sent them were unacceptable which is a stalling tactic once again by TransUnion. They were sent my Drivers License and Social security card which are two acceptable forms of ID with the certified letter that was mailed to them.

They have failed for the past 5 months to validate any of the disputed items on my credit report and they are still continuing to illegally report inaccurate info on my credit report. TransUnion has sent me no proof that I initiated any such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2019-08-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
sent Citibank two letters to close my XXXX XXXX, {$500.00} master card account and they have thus refused to close and return my Ernest deposit. 
there for asking the government to force them to comply. 
they already failed, to open a checking account based up on discrimination they deny, so I want nothing to do with this lousy discrimi tort bank. 
XXXX, opened a {$1200.00} credit card with no problem or security and a new checking account no problem, so I have no need for Citibank and never will.

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 monetary relief
Consumer complaint received 2020-09-03
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased flight ticket with American Express travel in XXXX. My flights were canceled in XXXX and I was entitled to full refund of {$3400.00}. However, after 5 months I have not been able to get a refund. 

Through out the process I called in XXXX, XXXX, XXXX, XXXX and I was told to wait for 30-45 days. However, on XX/XX/XXXX I was still not able to get a refund. The airline company confirmed refunds have been processed. However, American Express travel still told me they were waiting for airline company after five months. 

I was also told deceptive information throughout the process. In XXXX, I was first told I was entitled to full refund yet without any confirmation email. In XXXX, I was told some agent did something wrong and I was not entitled to refund. I asked to be escalated to a supervisor and they explained to me the previous agent was wrong and I was entitled to a refund with email confirmations. In XXXX and XXXX I called twice to confirm everything was going well and got email response. 

On XX/XX/XXXX, XX/XX/XXXX, I called again since XXXX announced they have given back all refund. I dealt with in total of 1 agent and 3 supervisors who told me completely different things. The first agent first told me someone had taken my refund out of queue ( even with my constant confirmation during the process ). Since it did not make sense, I asked to told to a supervisor. The supervisor on  XX/XX/XXXX told me I will be refunded in 5-7 days and an email will be sent. Yet I did not receive confirmation email. Thus, I decided to call on XX/XX/XXXX, the first supervisor send me an email saying it will be refunded in 30-45 days and up to the airline company, which is totally inconsistent with what the other supervisor has said. I called again and the third supervisor told me they are still waiting for airline which was contradicting to the other supervisors. 

The time frame they have promised have been long passed. I was also misled with inconsistent information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14
Company: CITIBANK, N.A.
State: NY
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:
My bill is supposed to be available on my account. The website has been down for at least a week. I have tried to use the app to make a payment but it locks me out. I will be attempting to call and make a payment over the phone. At this time I don't know how much my payment is. I have been attempting to get online and make the payment for for a week.

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 2020-11-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank/Victoria Secret closed my account due to a false fraud claim that was never disputed with the credit reporting agency. I contacted all 3 credit bureaus and they stated they never submitted a fraud dispute for my Comenity Bank/Victoria Secret card. 

I have never had any fraud related issues or fraudulent transactions with the Comenity Bank/Victoria Secret card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX should not be reporting to Transunion a collection in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance and not as a collection. I have attached a copy of the letter dated XX/XX/2020 wherein the letter confirms this account has been paid-in-full. This false reporting of a collection is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This line item needs to be removed and/or updated to report correct information. I have contacted the bureau to fix this however, I have not been successful.

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 2020-09-03
Company: General Motors Financial Company, Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is reporting two 30 day late payments on my account.Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments.As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: NJ
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 wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Outsource Receivables is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.

Company response to consumer: Closed with explanation