BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contact the bureau since XX/XX/2020 requesting the removal of 3 unverifiable bankruptcies reporting on my credit profile. Transunion claimed I need to send them information from the courthouse in order for it be removed. I have sent them a letter from the courthouse stating they don't report the information on my report. I also contacted XXXX in which they could not verify the information and sent it to them as well. Transunion has not removed the 3 bankruptcies even tho I sent them the requested documentation to remove the unverifiable bankruptcies.

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 2016-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently disputed XXXX credit card collections with XXXX to have them removed from my credit report because they came back verified. I requested documentation to prove these debts belong to me but I have not received any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EXPERIAN AND XXXX LOAN NO.XXXX WAS UNLAWFULLY RE-INSERTED ON MY CREDIT REPORT WITH 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A.. I MUST PAY FINE OF {$1500.00} IN DAMAGES.

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 2015-03-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all XXXX credit bureaus XXXX XXXX and Experian with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XXXX of XXXX. This item is over 7 years old and is still being reported on my credit report. XXXX completely deleted the item, XXXX has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XXXX and a last status date of XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian is refusing to give me my free credit report from a " 60 day adverse action ''. I was denied credit with XXXX XXXX on XXXX XXXX 2015. I have tried to request a free credit report from Experian several times online, and each time their website displays " unable to honor your request. '' I want the credit report provided to me in an online format, as I do not trust my credit information being sent through the mail. I am entitled to a free credit report from Experian due to the adverse action, and I would like to see it online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: DISCOVER BANK
State: NJ
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 don't belong to me. please remove accounts : 1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number  : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number  : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XX/XX/XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. 

Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XX/XX/XXXX ; XXXX added this account back on my XXXX credit report on XX/XX/XXXX ; it states it is paid ; but it is still affecting me. Also as of : XX/XX/XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. 

I have contacted XXXX via email on : Twice, disputing their letter written to me on XX/XX/XXXX. Both emails are dated : XX/XX/XXXX I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XX/XX/XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
This is a complaint regarding American Express opening a new account without my permission and not granting me XXXX bonus for that new opened account. 

Around XXXX last year, I called Amex to cancel my American Express Platinum Card, and was offered XXXX bonus points if I downgrade to Premier Rewards Gold Card. I accepted the offer. 

Few months later, I found out that the Platinum Card was still present in my account. I called up Amex. I found out, that instead of downgrading the Platinum to Premier Rewards Gold Card, Amex opened another Premier Rewards Gold Card, in addition to the Amex Platinum. I called up Amex to cancel that Platinum. They said they are going to investigate why this happened. They told me to go ahead and spent $ XXXX so I receive the XXXX bonus on the new Premier Rewards Gold. 

In XXXX, when I had spent $ XXXX, I called Amex to confirm the bonus once again. Instead of confirming, they said I wo n't get XXXX bonus, since I had this card with them ( long time ago ). I told them that was not what was promised to me for my troubles, and was not on the welcome letter I received from them. They refuse to bulge. 

I have been a long time loyal customer of Amex for a long time now, giving them plenty of my business, including having over XXXX accounts open with them. I feed swindled that they opened a new credit card instead of downgrading my existing card, causing my credit score to decline and lots of confusion. I also did n't get my XXXX points promised, even though I was told I would, over the phone and email. 

I have attached the following as proof : 1. Premier Rewards Gold Card offer confirming XXXX points if I spent {$2000.00} in three months 2. Letter confirming the new Premier Rewards Gold Card 3. Chat with Amex rep confirming that my account was opened in error, and not giving me XXXX points as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working with ditech regarding selling my home. The property has lost value and the people that have been occupying the property have stop paying. This has cause a ripple effect in my finances and I have fallen behind on payment.s. The person that I was told to contact, ( XXXX ) has been non responsive, Other accounts reps have informed me that they will tell her, however, I recent receive a notice in the mail that the house would be going to auction. I have tried hard to keep the house, until it can be sold.. I have not be able to reach anyone from ditech. They patch my calls to a line, that rings, and rings. with no answer machine. I recently hired a realtor to help me sell the home faster, since the loss of value it has made it difficult

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Ability Recovery Services, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Medical-Dental-Hospital Bureau of San Antonio
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a child who was covered under his father with XXXX. Because he was considered XXXX the state of tx stepped in and gave his secondary insurance through medicaid. Which covered ALL unpaid expenses XXXX did n't cover. Over the course of about 2 years the Dr 's and hospitals my son was seen at neglected to file with BOTH insurance companies after I repeatedly told them to do so. I provided the information needed and the insurance cards as well. A couple years later, I have now had XXXX collection accounts show up on my credit report. Some for as little as {$30.00} simply because they did file with XXXX but not with the medicaid. XXXX will not pay after 90 days so these companies sent the bill to his father who covers him under XXXX. I never got ANY bill. Yet, all of a sudden I have all these collections. I have disputed and tried to get these companies to understand that he was covered and should have filed with the ins but they say it is not MY responsibility. I feel the debt is not mine because I made sure to give them the information necessary to get paid. The child was fully covered for 100 % of his bills, and simply because they were too lazy to file they want me to pay all of these. How is that fair? These accounts are the ONLY negative accounts on my credit report, and since they broke them up into {$30.00}, {$39.00}, {$43.00}, etc I have XXXX collections accounts. This ruins my credit and my chances at getting good rates with any financing for cars, houses, etc. This needs to be fixed and changed. It't not right that they can pull this and it should be illegal.

Company response to consumer: Closed
Consumer complaint received 2021-06-21
Company: Selene Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Home loan service company was XXXX XXXX  until XX/XX/XXXX. In XXXX they transferred my file to a new servicing company name is Selene Finance. 
XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. 
The Selene Finance has mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX  from XX/XX/XXXX up to XX/XX/XXXX ( The agreement & the extension letter are both attached ) and the loan been paid off before end of the may, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. 
I have called both XXXX & Selene and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. 
Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application.

I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP.

Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-21
Company: R.M. Galicia, Inc.
State: FL
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( PROGRESSIVE, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX collections in regards to XXXX not only called me repeatedly during work hours when I informed them several time not to call due to my work place not allowing that then they took the liberty to call my family member and share my personal information with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Empowerment Ventures, LLC
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To whom it may concern I have been around and around with every service mechanism your company has available and I 'm really very disappointed in everything I 've experienced in the last few days. I did my taxes through XXXX, I have been told by your company Rep " The tax preparer must send it to Rush '' that is not the case. I have contacted the IRS twice and they have verified both times that they have sent my refund to which is your bank. 

The only thing wrong is my account number which the correct number is I have been told by your rep that " my account ca n't be located '', thing is it 's the same account that my payroll check has been deposited to since XX/XX/2008. This is absolutely and totally unacceptable. The refund was sent by the IRS in the amount of {$10000.00}, my personal information is as follows. 

I 've been told by your company representatives that the tax preparer will send the refund to you and that is not the case. The IRS sent it to the account information mentioned above. 

I 'm sending you my contact information in hopes that a human being contact me shortly in hopes to resolved this in a timely manner. My next step is to contact my lawyer and at this point I do n't think I want to be a rush customer anymore. Please contact me A.S.A.P. so that we can get to the bottom of this. Cell phone number, your file email address is. However please contact me using. Again if this is not resolved shortly I and my lawyer will be contacting Rush Card corporate offices first thing in the morning. Your prompt response and assistance with this matter is greatly appreciated. 

Many regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN LOAN SERVICING , LLC . I have fallen behind on my mortgage due to being laid off. Since XX/XX/2016 I have been trying to get a modification. I am given the run around, they request the same info, letters, paperwork over and over. Always say my application is incomplete. They are now sueing me and taking me to court to Foreclose on my home without offering me any kind of payment plan or any kind of modification options. I have already written my Attorney General 's Office and I am awaiting their response. This company has been repetedly sued, they have an F rating with the XXXX with a negative score of XXXX %. They have taken so many people 's homes using unfair and fraudulent practices. Someone please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: ACS Education Services
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Dear ACS Education Services, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
XX/XX/XXXX, it was reported that I was 60 days late on my ACS account. This was reported to all XXXX credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page XXXX ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX University during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called ACS Education Services and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : ACS Education Services XXXX ... 
Sincerely,

Company response to consumer: Closed with explanation