BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/XXXX I have written, fax, emailed letter to all credit reporting agencies, companies involved including their CEO 's regarding accounts/information being reported wrong on credit bureaus. I have never worked at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, nor have I ever been retired. Have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I have " NEVER : made late payments to XXXX XXXX ( current onetime no late payments not in forebearance ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Have " Never Applied for credit or authorize obtaining credit report for the following companies : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX please remove all non-account holding inquires. Public Records do not belong to me : Judgments # : XXXX, XXXX, XXXX please delete. Please remove " Promotional OPT-OUT '' would like to be consider for promotional offers that I qualify for. Also have accounts that bureaus are currently blocking that I would like to be reported they are accounts in good standings from the following companies : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Spoke with reps and was advised information was re-inserted in results of system glitches that credit reporting agencies have experienced on numerous occasions XXXX XX/XX/XXXX- XX/XX/XXXX & XX/XX/XXXX ; Experian XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX and that all information submitted would be updated in 10-15 days which was over 30 business days ago.

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 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received letter from Bank of America XXXX XXXX says case XXXX said she was my direct contact except Did not include phone number location Tried calling return address was bounced all over country Last person said XXXX XXXX took over case. Will call me back. NO ONE has ever called me back Including numerous numbers different parts of country Only crooks go to this extreme to cover up forging FHA mortgages.

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 2022-09-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH MORTGAGE Company Loan # XXXX homeowner : XXXX XXXX XXXX  XXXX PHH sent my home insurance company a check # XXXX on XX/XX/XXXX via USPS for & XXXX to XXXX XXXX XXXX PHH waited till XX/XX/XXXX to send the payment when it was due on XX/XX/XXXX. XXXX XXXX has not, as of yet, received the check and are threatening to discontinue my home insurance. I am on autopay with PHH so my mortgage payment is NEVER late! I am concerned that they held the money to make money ( interest ) and will do the same with my real estate taxes which are due no later than XX/XX/XXXX to prevent a higher amount. Spoke with XXXX # XXXX at PHH XX/XX/XXXX at XXXX re escalation of this complaint. Insurance specialist XXXX # XXXX  Why was this payment to the insurance company made late? Stating they called XXXX XXXX with no success but did not contact me! 
Do I have a promise that my real estate taxes will be mailed in on XX/XX/XXXX to prevent additional charges? I want an email from PHH when the real estate taxes are mailed with check #, who they paid to and what date as well as method-i.e. USPS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calls being made repeatedly to my daughter and to an old ( and seriously ill ) family friend threatening to serve me with a complaint for a debt. The company calling us XXXX XXXX. I do not owe XXXX XXXX any money. They claim it is for money ( {$3200.00} ) owed to HSBC. I do not have any collection on any of my 3 credit reporting accounts ( XXXX XXXX or XXXX ) for a debt or past debt owed to HSBC.  XXXX XXXX 's phone number is XXXX and the woman who threatened me with being " served with a complaint '' is XXXX XXXX. I tell them I am going to file a complaint against them and they stop calling for a while, then start calling again. I checked with the Sheriff 's Dept., and with the process servers in NC, and none of them have any complaint to serve on me. I want these threatening calls stopped! The last calls started XXXX/XXXX/17. I checked my 3 credit reports today, and they all show " no collections ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. 

The requests were sent via Certified Mail through the USPS. 

Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. 

Portfolio Recovery Associates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is where the Certified Mail was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection on my credit report coming from  Enhanced Recovery Group  in regards to a  XXXX  account that I have no knowledge of. They are also not able to produce a contract for the supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax is reporting a debt for a company called XXXX XXXX XXXX in the amount of {$53.00} I have tried to resolve this issue by sending 2 letters. One in XX/XX/XXXX and in XX/XX/XXXX trying to get Equifax to validate the debt. I have never done business with this company. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
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:
I am filing this complaint because XXXX | Trans Union | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX I wrote a dispute letter to Experian explaining my credit report indicates I have a charge off with XXXX XXXX XXXX XXXX that was charged off back in XXXX  of XXXX and since then the account has been repeatedly updating as charged off every month and to my understanding charged off accounts should not include a payment history and also manipulates the statue of limitations. I demanded a deletion and Experian completed the dispute by saying update and I reviewed my credit report after the dispute was completed and the monthly charge offs are still be reported on my credit

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 2017-06-21
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 'm trying to obtain my Escrow Refund for XXXX XXXX XXXX ). I refinanced XXXX XXXX now nobody associated with my refinance has no Loan Number of the refinanced transaction. I called XXXX XXXX and was told it was in some kind of evaluation, which the Escrow was evaluated in XXXX also.I was told in XXXX that I would receive it the end of XXXX now no one has heard of me or the refinanced transaction. I was never able to speak to a supervisor or manager. I 've tried to contact everyone involved with the refinance transaction even the Title Loan Office. I was contacted in XXXX XXXX for {$100.00} for tax increase then XXXX XXXX my mortgage was increased for {$580.00} to {$590.00} with no explanation for the increase. I 'm afraid next year they may say they 've not received my mortgage payments which is an automatic withdrawal. I need help in dealing with these companies. Thank You. SUPPORTING DOCUMENT IS FORTHCOMING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America recently closed my credit card accounts on XX/XX/XXXX, would not refund my annual fee, explain the reason for the closure and they confiscated my accumulated rewards. 

The reason I was given was " irregular authorized user activity '' however they failed to tell me what that exactly was. This baffled me as I haven't added an authorized user since XXXX, I had only added three in the 12 months ( XXXX, XXXX and XXXX ) all of these users were added by me and work with my small business and there are no instances of fraud or irregular account usage. They said no reconsideration no ability to explain despite my legitimate business/corporation. 

This does not make sense as I have $ XXXX in investment assets with them, a checking account, three personal credit cards that they closed ( $ XXXX limit opened in XXXX of this year, $ XXXX limit opened in XXXX of XXXX, and $ XXXX opened in XXXX ) and a business card. I always pay in full every month. 


My credit score is around XXXX now ( refinancing so it's been higher before ) and in any other way I'd appear an ideal client ( high income etc )

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 2017-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX XXXX the above aforementioned accounts have been requested for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
XXXX charged a regular monthly charge of {$8.00} on my credit card. I had never had any communication with XXXX and never authorized any payment to them. I believe the payment was charged due to my wife 's card expiring ( she had an account with XXXX ). However, I view with great surprise that XXXX will allow a husband 's account to be debited where a wife is not paying, especially with a digital good where the most sensible resolution is simply to stop the subscription. I already spoke with XXXX ( customer service ) and XXXX ( Fraud dept ) but they did not offer a satisfactory resolution and could not explain how this had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
This company failed to provide proof of debt I asked them to cease collection activities until proof of debt is received.. They have failed to provide the requested information which caused my credit score to drop 35 on XXXX XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone is using my name to get medical help in state of texas. Letters from collection agency from XXXX XXXX XXXX XXXX XXXX, XXXX attorney at law. There is also another from XXXX -ran emergency physicians. These debts were not me cause I live in California n not in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - FRANKLIN COLL . - Account type- COLLECTIONS. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX to FRANKLIN COLL, did not hear back from them on both occasions. XXXX is reporting negatively on my Credit files and they all need to remove them immediately. FRANKLIN COLL information is fraudulent and inaccurate and that they need to remove FRANKLIN COLL IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX or FRANKLIN COLL. As of XXXX/XXXX/XXXX, FRANKLIN COLL is still reporting negatively on my all three credit files. I want this deleted immediately from XXXX credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.

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 2018-04-29
Company: Diversified Consultants, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand Diversied Consultant Open date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29
Company: ERC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : ERC 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXXs XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand XXXX XXXX   Open date XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XXXX/XXXX/XXXX at approximately XXXX, a call was placed to my employer from Comenity Bank regarding a XXXX XXXX XXXX. They asked several people in my office if I worked for them, and stated they are " chasing him for a XXXX debt. '' I finally got them on the line and instructed them to reach me in writing and that it was simply not right to share my debt information with everyone in my office. Is n't calling and reporting about my debt to my employer illegal!?! please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My servicer is Nelnet which has now just sent me a bill for {$270.00} dollars after calling me several times regarding my " Lack of payment '', despite me sending a payment every pay period ( approximately every 2 weeks ), every time they call I explain that my pay period and amount of my paychecks preclude me from paying once a month. The person on the other end always says no problem, they will make a note of it, but the cycle repeats every month. Today ( XX/XX/2021 ) I received a bill from them for {$270.00} for payments not received. I'm tired of these bills and calls, not to mention that it will affect my credit rating. 
In a few weeks I will also be moving and greatly fear what is going to happen after my address changes.

Company response to consumer: Closed with explanation