BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
The big XXXX Credit Agencies have no authorization from me to collect, store, and sell my financial information, nor evidence of written authorization of the same. This issue applies to me just as it applies to all people living within the United States. 

Credit information is no different from a personal work profile. The example is XXXX. But, at least LinkedIn participation is a matter of choice. There is a master agreement to participate with XXXX XXXX. But, there is no such agreement with Experian, XXXX, or XXXX. Credit reporting is a forced participation, and its existence and easy access allows for identity theft related crimes to occur. Worse, as an unwilling participant, I am forced to pay a fee to have that information locked.

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 2016-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filled banckruptcy in 2013 and all my accounts were erased but XXXX, XXXX XXXX XXXX. With bankruptcy it should have been disputed but now it is affecting my credit score. Other than this what can i do?

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 2021-04-18
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BBVA ran a {$400.00} cash bonus when a checking account was opened and certain requirements were met. 

I opened an account online on XX/XX/XXXX with promo code XXXX. The promo stated that if I made a direct deposit of at least {$2500.00} by XX/XX/XXXX then I would receive a {$400.00} cash bonus by XX/XX/XXXX. The requirement was met on XX/XX/XXXX but the {$400.00} cash bonus has not been applied to the account. 

I reached out to BBVA in writing on XX/XX/XXXX requesting a status update on the bonus. I received a response dated XX/XX/XXXX informing me that I had not met the requirements for the bonus. I responded in writing on XX/XX/XXXX with supporting evidence showing that the requirements were met. I received a response on XX/XX/XXXX dismissing my supporting evidence without adequate explanation and informed they would no longer review my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They also closed my account without me knowing back in XXXX of 2019 even though I was up to date on my payments. My bill in XXXX of 2019 of {$35.00} dollars did not go through when it was on auto bill. I reached out to the company they said they saw the payment tried to come out but it was rejected. I was never notified that it was rejected. I now cant apartment and the company will not help me with the unfair situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the XXXX data breach. and may have gotten in the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this compay credit collections service have my personal information i do not have any relationship with them nor any paper work how did they obtain it? 
if so ask them to render these original document for the job. if not its fraud they are on some pass the hot potato business model

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The California Service Bureau contacted me XXXX XXXX, 2015 to advise me of an alleged unpaid bill for {$34.00} ( Creditor " XXXX XXXX XXXX XXXX Region '' ). I responded to their XXXX XXXX, 2015 inquiry immediately asking what the charge was for, and who authorized them to attempt the collection. I called CSB and got them to provide contact information and proof of authorization. I 've now received a XXXX letter from CSB, notifying me that I have been charged interest ( {$1.00} ), I contacted the healthcare provider 's office and was given contact information for their Billing Office. The doctor 's billing office was unable to find any unpaid or past due bills relative to my name or account. CSB has not responded to my request that they provide specific information to me concerning the path of this questionable charge. To date, they have not supplied me any proof of this bill, or any proof of their legal assignment to collect alleged monies from me on behalf of their medical client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions 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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXXXXXX XXXX  XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$740.00} XXXX XXXX Inquired on XX/XX/2020 TXXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Regional Management Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Co L and others on behalf of XXXX continually revive and report to CRAs a debt that has defaulted from a completely different account unrelated to me or my bills. Despite being removed prior by the CRA 3 times over a 6 year period, every 12-24 months, the same debt fraudulently appears again, despite having been proved not to be mine multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Harassment, mocking me, nagging, does not record my calls! Does I have tried to pay in the past and the amount is never good enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
Leader Cashnetusa will not stop contacting my employer and have been advised in writing two times that it is prohibited by my employer and to stop calling my work. They have there reason to know in writing that my employer prohibits these calls. It was required by them to provide a work phone number to process my application so I did so. They are contacting my employer XXXX 3 times a day.In addition they contact me non stop several times a day. My work requires the phone to be emergency or non emergency calls and again is prohibited from being used for personal calls. 
I have also told them that if they continue I will file a complainant with FTC and file a suit with FDCPA. I hope this is the start and end of all far it needs to be taken for them to stop contacting my work. Thanks You in advance for trying to resolve the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Home Loan Center, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I responded to an online ad from Lending tree who advertised a debt consolidation loan, low rate, get money as soon as possible. I took out the loan in XX/XX/2015 ( see attachment ). Now almost two years later, I have only paid a little under {$7000.00} ( see statement showing the interest rate and the amount going towards interest with approximately 38 months left to pay. With all of the past issues with the mortgage loans, how on earth can a company be allowed to bait and switch consumers into these type of loans. is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2021, I opened a second dispute of XXXX XXXX withXX/XX/XXXX and Transunion. I submitted proof to XX/XX/XXXX that I sent a verification letter to XXXX XXXX and they did not respond within 30 days. XX/XX/XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of XXXX XXXX remains on 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 2021-03-05
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt in collections directly to the creditor as instructed, however the collection agency as well as the creditor have yet to remove this from my credit report. 
Amount of debt : {$100.00}, paid in full on XX/XX/2021. 
I have contacted both to resolve this matter but both refuse to contact each other to resolve this matter. Dates of contact : XX/XX/2021, XX/XX/2021 & XX/XX/2021. 
The companies involved are XXXX XXXX in XXXX, Florida ( creditor ) and Credit Collection Services in XXXX, MA. 
Contact info : XXXX XXXX, XXXX, FL, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: PHH Mortgage Services Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted PHH mortgage on XX/XX/XXXX requesting an escrow analysis to be done because I was at 78.8 % loan to value. I wanted to start the process of removing the PMI to my monthly mortgage payment. I then recieved my escrow analysis and the company had made an error on the original loan to value ( which was {$170000.00} as of XX/XX/XXXX ), but the company had put the LTV as {$140000.00} as of XX/XX/XXXX, which then affected the overall LTV changing it to 94.10 %. I contacted them about this concern recognized there was an issue, but the customer service person could not just correct the issue without placing a help ticket. After 2 business days I logged into my account and noticed they had changed the LTV from the error of {$140000.00} to {$150000.00}, but again this is incorrect. I contacted them about this concern and still got the run around and was told I had to wait on the original help ticket and they would contact me within 5-10 business days. I still had not received a resolution so on XX/XX/XXXX I contacted the customer service about the concern they finally connected me to a customer rep in New Jersey who then placed another help ticket about the concern. He also pulled my scanned loan docs and could see that the original LTV was {$170000.00} and that a mistake had taken place, but was not authorized to make a change. He would have to wait until the help ticket was resolved. As of today I have sent another email in regards to this concern, I have not been followed up with from Phh Mortgage nor have they corrected the issue. I am very concerned with how to proceed forward. I felt as a consumer I needed to make a formal complaint about this issue. 
Back History : I had a mortgage escrow analysis completed XX/XX/XXXX. I was at 81.20 LTV. I have the documentation that was sent. I knew I was close to being at 78 % LTV in XXXX and that 's why I requested another analysis. On the XX/XX/XXXX payment my PMI would have been automatically removed. I have not refinanced the loan. I only did a rate modification in XXXX. I do n't understand how my LTV can just change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I opened a second dispute of Goldman Sachs with XXXX and XXXX. I submitted proof to XXXX that I sent a verification letter to Goldman Sachs and they did not respond within 30 days. XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of Goldman Sachs remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They called to my cell, and I explain to them that I already paid it. I have all evidence but they keep calling to me. I ask to stop call me, but they call to my work after I ask not to call. 
They never sent me written notice but keep calling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express keeps me calling me to collect a debt which I can not pay at this time due to being unemployed. I have informed them of this repeatedly but they continue to call nearly every day. The people calling are very rude and harass me in order to collect their debt. I explained that I can send partial payments but they tell me that I must send at least the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CL Holdings LLC
State: NY
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had reached out to   XXXX   to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at   XXXX   advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with  the Fraud de partment, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usu al 24-48 hr bit,   knowing that i was just being thrown to the wolves. I am also having this issue with Experian and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.

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 2021-03-05
Company: Bread Financial Holdings, Inc.
State: FL
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 in the final days of refinancing my home and I had a good credit score but now its dropped XXXX points and now the mortgage company wont approve the refinance. After numerous phone conversations with creditor COMENITY Bank speaking with service reps and supervisors starting XX/XX/2021. 
They said the issue was resolved but when our mortgage guy checked my credit score it had dropped XXXX points as a result of COMENITY bank not fixing the problem. I called them back on XX/XX/2021, I was told by the credit rep it would take 60 days to remove the low credit score. As a result of the delay we can not get our refinance and as a result our interest rate has gone up XXXX XXXX %. We only have a few days to keep our locked in interest rate. WE NEED THIS ISSUE RESOLVED IMMEDIATELY!! 
Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation