BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.

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 2021-09-29
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/21 I received a cash app visa prepaid debit card in the mail. It was from Square inc. CashApp XXXX XXXX . I never has a Square or CashApp app account. I have been trying to get this card and Square account cancelled. I believe it is a identity theft problem and I would like them to cancel that account in my name.

Visa would not cancel the card. Cash App asked for info to send them to cancel the card which I sent them. Square said they really couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, I received a phone call from SLS who is servicing my mortgage. They called to inform me that I had not made the XXXX payment. After consulting with my wife, we realized that we had not gone online to make the payment as we normally do. For the first time in 13 years, we missed it. So, I told them I wanted to get caught up and could give them payment information over the phone. She took it and then offered to set me up on EFT. I agreed and gave the corresponding account numbers. After I provided all the information, she told me the account would be up to date within 24-48 hrs and then on EFT going forward. On approx. XXXX XXXX, I received a notice from SLS that my mortgage was going into default and I called them immediately. I was then told that my account was not set up on EFT and they had mailed a notice to me in XXXX. I never received a notice in XXXX and assumed my account was functioning as we had set it up. First, I told them to take two payments and get my account up to date. They agreed to waive the late fees, but I was still not happy that they had removed my account from EFT after we had set it up. They told me there was n't enough time to get it set up for the XXXX payment, but that they sent me notification in regards to that payment. Again, I never received anything in the mail to this effect and was not happy they did n't bother to call. They called me in XXXX when it was late, why did they let it go for nearly two months and not call me again? Why did they rely on the mail when this is such a serious matter? The representative kept telling me they did their part by mailing the notice and I told them it was irrelevant because I never received it. I was also concerned they were going to ding my credit so I asked about that. They told me it would be reported so I requested to speak to a manager. As far as I 'm concerned it was their fault the payment was late and since I would expect to call when a payment is missing as they did in XXXX, they should have done it again in XXXX, especially after telling me I 'm set up on EFT. She said their was nothing they could do about it and it was not their fault. I take great care in watching my credit and this is completely unacceptable to me. I did nothing wrong and they have inconsistently applied their follow up procedures. To my surprise on XXXX XXXX, I received a letter in the mail stating that my account had been removed from EFT. XXXX XXXX!!! Nearly two months after they said they mailed it. I want the credit ding rescinded from my account or I would like to know what my legal options are. I have already moved my account to another mortgage company, but this remains unacceptable.

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 2016-12-22
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving daily harassing phone calls from " XXXX XXXX '' and " XXXX XXXX '' who work for Premium Asset Services , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and given phone # ( XXXX ) XXXX. 

When I called to find out why and for what reason I was passed to " XXXX '' who claimed he is the " Director '' of the firm and that I borrowed money from someone who I didnt pay back yet he would not say who the money was owed to. I asked him to stop the calls and then he proceeded to tell me I was " a funny guy '' and asked " how was my girlfriend and my wife '' ( I have no wife ) suggesting he could hurt them in some way. I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: MD
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:
Since XXXX, I have had this complaint with the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and XXXX. I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Since XXXX, I have had this complaint with the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and XXXX I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.

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 2015-04-14
Company: United Compliance Services, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was contacted at work this morning by a clamming to have a certified envelope for me and he wanted to not serve me at work. I told him I could meet him in the lobby, but then he said he was not on he premises but for me to call the toll free number to pick up the envelope locally that once a called I wo n't be served at the office. I called the number and was told that there was no envelope to pick up in XXXX where I work or in XXXX where I live. That the man who called did not work for United Compliance Services. That makes no sense since he is the person who gave me the number to call.The woman then said I would be garnished for a pay day loan, that I was already garnished for in full fin 2013. I told her she had the wrong information and she said that everything was already verified and that if I did n't agree to pay her {$350.00} immediately I would be jailed and garnished again. I told her that I was not agreeing to anything that was not in writing since she had the wrong information. I was not paying the debt XXXX. She said had no choice but to send the garnishment to my employer and then hung up. 
This is really a problem for me since I have already paid this to the original place XXXX XXXX XXXX. There is a mix up, and I do n't want them to threaten or harass me especially at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: MD
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:
Since XXXX, I have had this complaint with the XXXX XXXX XXXX XXXX XXXX ( XXXX  ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and stressed. I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.

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 2016-08-18
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a medical bill which was settled via legal action in full on XXXX/XXXX/2012 yet the Credit Bureau of Bessemer somehow bought the settled debt and has reported it ( 1 ) wrongly on my credit reports as the date they say it was incurred keeps changing and ( 2 ) when written via certified mail to send verification failed to do so three times. Yet when XXXX investigated it ( twice ) they somehow verified it to them ( not XXXX as they took it off my report for lack of verification ). So what gives? Even without verification of a non existant debt this collection agency can say one owes a debt to a credit reporting company and they will accept it with no documentation only the word of a XXXX debt buyer who pays XXXX cents on the dollar for accounts that may or may not actually be past due?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection on my report from XXXX XXXX equipment they did not properly charge my insurance XXXX XXXX XXXX XXXX for the equipment I called my insurance and they told me that they pay 100 % of the bill for the equipment I informed XXXX about that and was told that they are not going to resubmit the charges to my insurance company also when I XXXX picked up the equipment they told me that XXXX XXXX pays for the equipment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to XXXX being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX shall block the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and XXXX has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If XXXX allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.

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 2020-04-06
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for XXXX cards from Chase, XXXX and Amazon, XXXX cards were approved. I used my Amazon card to make a purchase the account number was loaded into my Amazon card. About a week later I called to activate my card and was told that the account was closed. I called customer service they stated that I needed to speak with the lending department. This morning I spoke with lending who stated that they closed my accounts due to the number of accounts that have been opened within the last 12 months. I explained to the female that I have some accounts that belong to my father that some how got attached to my report. XXXX vs XXXX. She was unwilling to reopen the account. i find this a terrible business practice as XXXX accounts I had to go through fraud verification and they saw the accounts on the credit file on the account at that time. So why open the account to just turn around and close it makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Focus Holding Company
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Focus Receivable Debt Collection Agency is constantly calling with a recorded message. Do not tell who they are looking for. Returned call and no XXXX answered. Called again the next day and was hung up on. No one in this family has a debt that is n't being paid monthly. Today someone answered and they wanted all kinds of information like my name and telephone #. I told them that since they were not telling me who they were looking for then then they were not getting my personal info

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Yes I have an account for direct deposit with chime Bank I receive social security XXXX have for XXXX  years I already had the account open and have used the account have deposited money into the account and they rejected my social security payment from social security at chime Bank stating that the names didn't match on the account and from the social security office which is a lie. So now that has put me in a real hardship I might lose my place to live I have cats that need to eat food I have cigarettes that I need to get I have food I need to get I have bills that need to be paid tomorrow. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I keep getting over XXXX XXXX but they wo n't let me check my account because I 'm supposed to have online bank account but I ca n't sign into it every time I go and try to sign in to tell me I 'm not authorized call do you get the problem solved they give me a new username and password I 'll try to get on and still ca n't. I 'm being charged {$300.00} a month I will draft the I ca n't afford them on a fixed income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX opened XX/XX/2022 This account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which i did and also make a identity theft report with the FTC which I did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Reporting inaccurate information 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 2021-09-29
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint against Spring Oaks Capital over failure to properly and timely validate an alleged debt. I received notice that I owed {$720.00} on a XXXX  XXXX  allegedly issued to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2021, I received a letter via USPS purported to be from Spring Oaks Capital claiming I owed money to them. Immediately I submitted per the FDCPA a request via electronic mail to XXXX, with a return receipt requested on the email. The return receipt confirmed receipt on XX/XX/2021. Copies of the validation request are attached to this email, along with the return receipt. 

No response or confirmation from this was received until XX/XX/2021, when I received a letter in a handwritten envelope, a scan of which has been attached to this complaint. The letter was dated XX/XX/2021. 

Enclosed in said envelope were alleged card statements, with info marked out, along with a letter acknowledging my request. Scans of the statements are not attached to this email. In addition, a purported bill of sale from a company called XXXX XXXX was enclosed. After research, XXXX XXXX was another debt collection agency and not the creditor responsible for issuing the XXXX XXXX and therefore NOT the original creditor. The bill of sale does not indicate anywhere that my alleged account was included within that particular bill of sale and no other information was provided by XXXX XXXX. No cardholder agreement was enclosed within the packet as well. This does not meet the standard required under the FDCPA or Texas Debt Collection Laws. 

On XX/XX/2021, I received notice by way of credit monitoring that a new account that I had not opened was placed on my credit reports. After a review of the information provided by the monitoring services, I found that XXXX XXXX  placed the information on my credit report. 

Under Texas Debt Collection law, a debt collector must validate the debt within thirty calendar days. A validation notice was sent and received by XXXX XXXX on XX/XX/XXXX and no response was given until the letter dated XX/XX/XXXX was received, well past the 30 day deadline as outlined in Texas law. In addition, XXXX XXXX failed to provide surety bond information as required under Texas law.

Company response to consumer: Closed with non-monetary relief