BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up for Experian 's {$1.00} credit report for a week cancelled and they still billed me for services after. I only knew about it because I called my bank back in XXXX about it. They charged me {$1.00} in XXXX then {$24.00} on XX/XX/XXXX, {$24.00} on XXXX, then {$24.00} on XX/XX/XXXX and another one on XX/XX/XXXX. I asked my bank to cancel it on XXXX they charged me again on XX/XX/XXXX. I called the Experian Rep and they did  confimr that the only access on the account was on XXXX. I only used experian because of the {$1.00} promo last XXXX when I needed to buy a car. I have not used it since and have cancelled the account. There is no other time the account was accessed and the access on the account last XXXX wasn't even me accessing the account. It was them accessing my account, because I have entirely forgotten that I have an existing experian account. I do not have money that I need to check my credit score. I only needed Experian because of the {$1.00} dollar deal they have. I want to get back the money that they took out of the account because I didnt use their services beyond that week as proof of my access on the account. Please help 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 2021-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Debt originally owned by XXXXXXXX XXXX was collected by Portfolio Recovery. Portfolio Recovery engaged an outside attorney firm to collect the debt. The debt has been paid in full via the attorney and Portfolio Recovery refuses to provide a letter stating it has been paid because it was paid to the attorney. They also say they have to wait until the attorney let 's them know the account has been paid and that could take 30 days. The credit reporting agency won't accept the attorney 's letter to show the debt is paid because the letter needs to come from the creditor or Portfolio Recovery. 

This is going to impact my ability to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: TN
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/XXXX19 filed complaints about information being in my credit like several bankruptcies that are not mines.

XX/XX/XXXX19 filed dispute again XX/XX/XXXX19 Called Equifax nothing was resolved XX/XX/XXXX19 sent in copy of ID and SSN with letter stating the inaccurate information nothing has happened XX/XX/XXXX19 called and sent letter again XX/XX/XXXX19 Went to purchase my 1st car and bankruptcies showed on my credit I've never filed bankruptcy. They mixed up my information with someone else. I call them again only to be told to send ID & Ssn with letter to dispute. Now I can't purchase a car under my name until this issue is resolved and the bankruptcies are off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I need some help, several times I have disputed with Equifax to remove some inaccurate information and update my current accounts, payments not being updated like XXXX and XXXX  and spot on, balances not being updated by Equifax. Equifax not only doesn't update they do not respond. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: FL
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:
The Chase Slate card and the Chase Saphire card in the middle of the Cobid -19 crisis without ever having had a late payment and with low use of the card and without having used it in the middle of the pandemic crisis. They have decided to lower my line of credit. The Slate card with a line of credit of {$6800.00} and only having spent {$2200.00} lowered the credit to {$2600.00} and the Saffire card of {$6000.00} with an expense of {$3900.00} under & XXXX. I think that in this moment of crisis the credit cards are abusing the client because this affects my credit score. I live in Florida, I am still in mandatory quarantine and they have acted abusively and disrespectfully towards me as a client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: Pendleton Capital Management
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My received my first phone call on XX/XX/2019, a voicemail, which I called back to. A customer service rep named XXXX ( possible misspelling ) with Pendleton Capital pre-legal department. She explained I had a XXXX dollar debt with XXXX, to which I asked for a validation of the debt, meaning a copy of a credit card statement, etc. She refused to give me any more information of regarding the debt and immediately hung up on me. I never received any correspondence via email or physical mail from Pendleton Capital regarding the debt. 

I received another phone call on XX/XX/2019 from a XXXX from Pendleton Capital. I, again, asked for the debt to validated to which he became verbally abusive, threatened to take me to court and pay XXXX verse the XXXX hes attempting to collect. I kept repeating for the debt to validated, he said it was against the law to send me anything and the debt was already validated to the company. He refused to send me any information or invoices of the receipts. I asked for it to be emailed to sent via my physical address. He became irate and hung up with me. He called back a few minutes later saying we got disconnected ( we didnt, I was downtown with full bars and I can tell when Im hung up on and when I hit a dead spot ). He again started threatening with my wages being garnished and I would have to pay thousands over the XXXX debt. I repeated constantly for my debt to be validated. He refused to send me anything, but said he would send a demand letter via email. I never received anything. 

On XX/XX/2019, I received another phone call from the same gentleman, XXXX. He again started with the same tactics and said I sent him a bad email address ( I didnt ). I told him all information needs to be mailed to me including information in my request to validate the debt. He said I was not cooperating and hung up. I do not believe they can validate the debt, or else they would have easily just sent me the information to look over. This gentleman was very abrasive, threatening, and he would not let me speak. Again, he refused to send me anything about this debt and when I started to say, you can not call me at this number. He spoke over me and hung up. Please look into this, its ridiculous and I believe a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I had concerns because I was impacted by XXXX data breach, I'm positive this is a violation of my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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: Information belongs to someone else

Complaint:
Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was 19 years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much to worry about. We recently parted ways due to abuse both verbal and physical. 
There are Collections, inquiries, and addresses listed on all 3 of report that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts 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 2018-02-09
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:
This is not my address nor do I have any debt located at this address. 

XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief
Consumer complaint received 2021-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
on XX/XX/2019 my bill did not go thru company saw the payment tryin go out but never got notify so I can not get a mortgage because of that and the company wouldn't help me get these fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I pulled all three credit reports. I noticed an account from XXXX XXXX XXXX, XXXX. In XX/XX/XXXX I  disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX. ( Letter enclosed ) Prior to this XXXX XXXX XXXX, XXXX did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have an erroneous collection reported to XXXX XXXX by transunion. The collection is not on my credit file but XXXX XXXX will not remove it from their site. Trying with both companies several times has had no resolution. I have taken screen shots of this just today and it's still there with XXXX XXXX telling me they woyld correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am fully disputing theValidity of this debt My loan has been Securitized and placed in Loan trust. XXXX XXXX XXXX XXXX XXXX XXXX is serving as trustee for a XXXX XXXX.asset-backed certificate XXXX XXXX in section XXXX of this trust it clearly defined that all mortgages have to be transferred prior to the cut off date of this trust they are using a fraudulent assignment to foreclose on my property. I received a three month trial to get modification for XX/XX/XXXX XX/XX/XXXXand XX/XX/2020 I am concerned about the the back payment being applied to the end of my loan. I have asked for the gap accounting in a qualified written request which has not been responded to. This Loan trust has taken it losses and I am asking for a principal reduction with a complete restructured mortgage and all foreclosures to be canceled until all of my concerns ands dispute Ive been addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE Financial Services , Inc has committed multiple violations and mistakes in my credit reports. CMRE has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Accounts information : 1. Account number : XXXX, date opened : XX/XX/2018, original balance : {$2700.00}. 
2. Account number : XXXX, date opened : XX/XX/2018, original balance : {$260.00}. 

CMRE is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill Medicare insurance. 
There were unnecessary procedures that I was put through that were not necessary. 
Hospital overbilled and made me agree to take more expensive procedures than needed. 
I was grossly overbilled for what was one hour visit. 
Unfair business practices and negligence. 

I just want a fair solution and get these accounts removed from all 3 credit bureaus asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report from XXXX and Trans Union and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to XXXX and Trans Union on four different occasions requesting an investigation for state public record listed to my report. I requested XXXX and Trans Union Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. XXXX  and Trans Union   is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.

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 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
sent ftc violation and police report and still has not removed all items

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 2021-09-22
Company: Rent Recovery Solutions
State: MN
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:
The management company XXXX XXXX XXXX XXXX evicted me from my rental and told me I'd be charged with trespassing if I came back on the property. At the time my rent was paid and the account was closed. 

A year later they sent me a bill for {$8000.00} for 8 months of rent on a unit I didn't even live in. This is fraud and These are Frodulant charges!! the account was closed! 
rent Recovery Solutions has been made aware of this and a XXXX complaint was made and excepted the acount as Fraudulant. Even after being contacted they still haven't taken it off my account and it's cost me horrible problems and it's Againsed The law! FRAUD!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: NV
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:
Experian In opt out by letter and CFPB and on my Report # XXXX for XX/XX/2021 shows Clarity Services INC/XXXX/XXXX/XXXX XXXX shows XXXX has all these soft inquires. I opt out with Experian. I did not request or ask Clarity for n.o services by phone internet or contract or ask for any credit of any form. 
I have also filed with the US Attorney office and file a police report for fraud on Experian/Clarity If Experian opt out all this fraud would not be going on

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 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. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation