BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every XXXX weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
As of today, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all three credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian received my dispute about incorrect payment history from XXXX XXXX. The report number was XXXX and was dated XX/XX/20. Upon their reinvestigation, which is attached, Experian refused, or neglected to put that I disputed the results, which by law, must be corrected due to their failure to give the correct information. I demand that my credit report be corrected in seven days. I have been harmed for too long.

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 2020-01-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase announced on XX/XX/XXXX that all Chase Sapphire Reserve card members would be eligible for a complimentary XXXX subscription provided by XXXX. They have been heavily advertising and promoting this, however Ive been unable to access this benefit. I have tried multiple times to follow the provided instructions with my Chase Sapphire Reserve card and have not seen the screen to activate the offer the instructions describe. I contacted Chase both on the phone and also on XXXX, and received a response that simply reiterated the same instructions. The final word from their XXXX support was that there may be a technical issue and that I would simply have to check back from time to time. They offered no timeline for resolution and made it clear that I would not be informed when the issue was resolved. Chase is advertising a service that I am paying for but which they are failing to provide. They have refused even to notify me when the issue is resolved. It would appear that they are making little to no effort to resolve this. I am attaching a screenshot in which Chase Support indicates this is a technical fault and that they will not be providing notification when it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Nelson Cruz & Associates LLC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Company calling on behalf of a law firm XXXX ... or something like that.. but they wont give out their company 's name ... they are stating they are not a collection agency. They have called 3rd party family members multiple times telling them they will put a lien on our house.They say they are n't violating fair debt act because they are not a collection agency. They are harrassing us and our family though.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: MN
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 XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax 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 2020-08-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I did not ask for, nor do I want a fraud alert on my credit file whatsoever. Please remove any and all fraud alerts from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
please remove any and all fraud alerts from my credit file.

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 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On Tuesday, XX/XX/XXXX of 2020, a purchase was made in the amount of {$460.00} using my Capital One Bank credit card information at a XXXX XXXX location in XXXX XXXX XXXX, New York. Let me make this clear ; my card never left my possession. It did not go missing. That being said, I was never alerted of this charge by my bank. The purchase was cleared and went unnoticed. Two weeks later, was when I checked my credit card statement when I noticed the charge. I immediately alerted Capital One Bank. They said, Sometimes we mail out pre-activated replacement cards that can be used. I was shocked that a card was being mailed without prior notice or request and a PRE-ACTIVATED card puts me at risk. An investigation was opened and not long after I was mailed a determination letter stating they have no proof my card information was stolen. I said my card was not stolen, my information was stolen, and your company TOLD ME you mail pre-activated cards to consumers. Ive spoken to 10+ Capital One Bank team members and a majority of them pass me on to the next person and next person. Not only will they not take accountability, but they are inadequate. I reported this matter to XXXX XXXX customer support but seem to have no knowledge on how to handle matters on this level. Its been frustrating and detrimental to my well being dealing with this. I am not working due to COVID-19 nor do I have the funds to shop at XXXX XXXX or cover the bill of {$460.00}. Capital One Bank is unprofessional and have no formal training of reliable customer service. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Security Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a XXXX. My care for the procedure is the responsibility of the recipients insurance. XXXX XXXX XXXX errored in filing the insurance claim against my insurance. They have refused to correct the insurance filing. XXXX XXXX XXXX, XXXX XXXX paid the errant claim. Neither XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX XXXX will / has assisted to get the claim corrected. I have continued to challenge this billing for more than 2 years with no resolution. The account has been referred to XXXX ( bill collection ). I need some assistance mediating the claim. XXXX XXXX XXXX will not intervene or confirm that my XXXX XXXX XXXX care is the responsibility of the XXXX recipient. XXXX XXXX XXXX, XXXX XXXX ca n't know that the claim filed is improper. Visiting Nurse has not acknowledged that my care was part of a living organ donation and asserts the claim was filed appropriately. I am in the middle of XXXX parties who basically are turning their backs on me and not participating in a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Chase Total checking account and used a coupon for a {$300.00} sign up promotion after direct deposit. After several months of waiting Chase is refusing to pay out the promotion even though I received several direct deposits from my tenants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from SPS ( Select Portfolio Servicing ) dated XX/XX/XXXX stated that my property taxes were delinquent. However, I had paid the tax bill that was due on XX/XX/XXXX on time. I sent proof of the paid tax bill provided by the XXXX XXXX County Tax Collector  which they received on XX/XX/XXXX. I also received confirmation that the file I uploaded had been uploaded successfully and thought the matter was resolved. Then I received a second letter stated the taxes were still delinquent and that a lien could be put on our home but to no fault of our own but rather to their dysfunctional service. In light of the difficulties we are facing as a nation it boggles my mind to think a organization whose purpose is to help people who unnecessarily create this hardship for me and my family. It makes me wonder how many other law abiding customers they manage have been treated the same way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. Due to the XXXX 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 2020-08-12
Company: Regional Management Corporation
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with REGIONAL FIN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and REGIONAL FIN with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/2020 with a balance of {$3400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$13000.00} -This is not my 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 2017-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
on XX/XX/XXXX, my score went down about XXXX point without any change in my financial status. I have n't applied for any new credit or loan, all credit card balances are lower then ever. nothing negative basically. I understand what effects my credit and I am always monitoring it. My credit suppose to go higher not go down XXXXpoints. I already disputed issue with XXXX and they were able to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Experian has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Experian continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Experian continues to disregard my dispute and FCRA, FTC and HEA laws set in place then I will be forced to file suit after exhausting all options to rectify this issue. They are bound by these laws set in place so follow the law. This is also through my own due diligence so I do n't need to get a response that questions my intelligence to writing this as this is my own verbiage any stall tactics will be recorded and dully noted.

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 2020-01-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear PHOENIX FINANCIAL SERVIC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

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