BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-28
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Calvary Portfolio Services was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a Calvary Portfolio collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I am attempting to remove a security freeze from my consumer account. I have my pin in hand however the XXXX systems do not accept my basic information and no other means to resolve the issues are apparent. I have contacted the company and was given a bogus number for the 'freeze department '. I have submitted a letter as well.

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 2016-10-08
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 I requested proof of debt, under FDCPA, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested. 

What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof. 

See attached leeter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX petition. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., Experian, XXXX respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
There is grave discrepancy on my Experian credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Experian credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Experian, I need a " credit report number '' from them. However, each attempt to access it through Experian or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Experian, there is no reason Experian itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Experian, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Experian without it. 

Thank you.

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 2016-08-26
Company: V and H Portfolio
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against Vance and Huffman and XXXX XXXX XXXX. Once bureaus investigation was completed it came back the information disputed with Vance & Huffman was verified, no change and XXXX XXXX XXXX as new information. In receipt of this information I sent Vance and Huffman a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
Vance and Huffman than replied with a letter saying they received my dispute for verification and to be advised that Vance and Huffman confirmed the name and address listed on the account as well as the amount due. XXXX XXXX XXXX has not responded to my request.

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 2016-07-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a letter dated XXXX XXXX, 2016 from Citizens Bank in regards to a deposit discrepancy. The letter stated that Citizens Bank credited my account {$49.00} to correct the discrepancy, however, no details, date, or specific information was provided as an explanation. In fact, the letter was very elusive as to why, when and how the discrepancy was caused or detected at an unnamed later date. I called the number on the letter XXXX asking for an accounting or date and reason for the discrepancy - the issue was escaladed to a supervisor, but no one had any specifics as to why, when or how the discrepancy occurred. I would ask that the CFPB inquire and investigate this discrepancy at Citizens Bank to see if any additional discrepancies are in need of crediting to my and other account and / or other account holders at Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to clear the " cloud '' on my title to a lot purchased by us in a foreclosure XXXX years ago which now shows a lien ( equity line of credit ) perhaps owed to Beneficial Finance and dating from a stated fraudulent document created in 1997 to a former man ( who also states under affidavit that he never owned lot nor signed line of credit documents ). The title company handling the escrow, my attorney, and myself can get no response of either Beneficial Finance Co. Payoff Dept., or Household Finance Co ( their successor? ) and have requested a Reconveyance XXXX times since XX/XX/XXXX. We have no other information regarding the proported lien. We suspect it was some sort of scheme to keep Beneficial Finance from having to pay the Homeowners ' Dues. But I never received any notification of anything at all from Beneficial Finance -- and it 's been XXXX years. To date they have ignored all requests for Reconveyance so that the property can complete its sale with a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.

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 2016-03-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The public records in dispute were deleted years ago from my file because they are not mine. As recent as a few months ago they have reappeared. I have contacted the bureaus several times and they have refused to provide any proof they are mine nor will they remove them again. At this time, short of legal action, the only resolution I will accept is deletion and suppression of the public records so they ca n't be reinserted at another time. 
I have come to the conclusion that the credit bureaus are violating my rights under section 1681and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I am going to have to resort to suing the credit bureaus.

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 2015-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Around XXXX XXXX, 2015, I received a letter in the XXXX Mail from " Experian '' Credit Bureau. Under the " Previous Addresses '' on my " Experian '' credit file it incorrectly stated that I lived at : " XXXX. XXXX XXXX ; XXXX, Ca ; XXXX '' as of " XXXX. '' I have never lived in " XXXX, California. '' In fact, I do n't even where " XXXX, California '' is located at. I am the victim of " Identity Theft. '' When I called " Experian '' to ask them to " Delete '' this false, " Identity Theft '' address, they kept me on " hold '' for over 30 minutes and then " Experian '' just hung up on me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site

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 2016-05-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to fix my credit reports. In Wisconsin, after 6 years adverse items should be deleted. I settled with XXXX in 2013 and it 's still on there, etc.etc. Experian has NOT followed up in proper manner. While the too big to Fail banks XXXX, XXXX, XXXX have sold to debt buyers, and paid the feds XXXX in fines, these credit bureau 's have not deleted adverse accounts, and, followed individual state statutes. I originally asked, pleaded to take to consumer settlements and have not been responded to.

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 2016-05-18
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage company Fay servicing LLc, has neglected to send us any mortgage statements in over the 2 years after our mortgage was sold to them, although several requests were made, we fell past due and since we never had information showing we were late we never realized the late payments or payments that said were missed and made. Fay servicing also takes a very long time to process payments and charges late fees. no contact from the mortgage company to try to rectify,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Webster Bank in their Marketing Brochure offered a 1.25 % rate to open a new Premier Savings account. With a XXXX deposit by XX/XX/XXXX. I would earn this rate up to balances of XXXX until XX/XX/XXXX. They refused to open this account for me saying that I already have and account ( s ) with their bank which I did but closed all them. 
Under Premier Savings 1.25 % offer paragraph on the back of the Marketing Brochure it says nothing about having to be a brand new customer to take advantage of this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The office of Charles G McCarthy collections agency representative XXXX XXXX has called on numerous occasions advising I owe a debt to XXXX XXXX. I sent a letter of cancellation 30 days notice by mail as advised by contract to the gym but he said if it was not signed for it is not legal. He has threaten me on several occasions with saying it was an attorney. He called my daughters phone and when she called the number back and said she was not me he call her a lair and she advised that she would called the police. I am going to send a certified letter to the company and advised them to stop contacting me. I have the voice mail and taped conversations where he tried to intimidate me on the phone. This I feel is unfair practices on the debt collections agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have closed accounts still on my report hard inquiries on my report that I did not approve. I want them removed immediately I have contacted all XXXX credit places no responses from any of them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My name is XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from TransUnion, XXXX and XXXX Credit Reports. However, two weeks ago it reappeared on my TransUnion and XXXX reports. I never received any notification with TransUnion or XXXX that they were adding a State Tax Lien. I 've attached a copy of my paid state tax lien and a copy of my Experian credit report showing no Public Records on XX/XX/XXXX. I 'm requesting TransUnion remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.

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 2017-01-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was involved in a real estate investment over 10 years ago. I lost XXXX propertis to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a XXXX late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!

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