BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: Experian Information Solutions Inc.
State: FL
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:
A {$6000.00} XXXX XXXX account ( XXXX ) from XXXX 2011 keeps on getting reinserted by Experian after it has been confirmed to not be mine and deleted. This account was mistakenly being reported by both Experian and XXXX in the past. After XXXX initiated an investigation a couple of months ago, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. This account is not mine and in XX/XX/XXXX, Experian also deleted it from my report. I have a copy of a report which shows how it was not reporting on my credit in XX/XX/XXXX. <P/>Under the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ), Experian can not reinsert a previously deleted account if they do not provide me a notice in writing within 5 business days that it was verified. Why is this account on my credit again if it is not mine and it has already been proven not to be mine? I have addressed Experian multiple times regarding this issue and they are refusing to process my dispute. <P/>If Experian really is now saying it has been verified, I do n't understand how that is even possible. How can XXXX 's and Experian 's investigations yield two different results and outcomes?

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 2021-07-23
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a credit monitoring alert ( XX/XX/2017 ) that 2 medical collection ( one for {$30.00} and the other for {$650.00} ) had been placed on my credit report. I have NEVER received any phone call or written communication regarding these medical accounts. I called the original creditor and they stated that I was not listed on the account and that they had NOT reported anything to a collection agency. I then called the collection agency and asked why they reported the account when the original creditor had not reported it, their response was that I was still linked to my ex-wife 's accounts. I told them I have been XXXX  for 4 years but the collection was only a few months old. The collection agency stated that they took the liberty of reporting the account on their own behalf to the 3 CRA 's. I faxed in a copy of my XXXX  decree to show that I was n't linked to my ex-wife anymore. I told the collection agent that it did n't sound very legal in what they did but he turned a bit belligerent towards me and said that 's the was it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA has placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: TN
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:
This is a formal complaint against Equifax, XXXX and XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, they have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
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:
We made many transactions during month of XXXX, so there were a lot of returns and purchases, so once we received the bill, we called the Citibank card to speak with the agent and asked what is the amount to pay for the full amount the balance till the due date XXXX/XXXX/XXXX, the agent said {$2700.00}, so we paid exactly the amount, when the month of the XXXX bill came, we found out there were {$23.00} interest charge, We called Citibank right away, spoke to the agent, interest amount {$23.00} was waived, then we asked the amount to pay the full bill again, was told {$2200.00}, again We paid the amount of {$2200.00} so we thought there are no any balance till XXXX bill comes, then again XXXX bill came there were only {$570.00} purchase we made the amount of the bill is {$1400.00} include {$40.00} interest charge, XXXX Citibank right away till now still cant get the problem solved, the agent claimed {$1400.00} is correct but could not explain where the extra amount came from, and refuse to play back recordings of calls we had with previous agents. 
Also there is a {$200.00} dispute charge we had, with not any notice to us. Citibank sent us a letter stated the charge amount is valid transaction because " seller said the item has not been returned '', but in fact vendor provided unshippible return address as " XXXX '', we had been trying for 2 month to work with XXXX and XXXX to return the item without success.

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 2021-07-23
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a mortgage with PHH Mortgage. I went on forbearance due to covid hardship in XX/XX/XXXX. Every 3 months they contacted me to see if I wanted to remain on forbearance or resume my payments. I kept explaining to them that I wanted to apply for modification to move the payments I missed onto the back end of my loan. They repeatedly told me that the account was still under review and that I should remain on forbearance until they reached a decision. Despite being on forbearance, I resumed making regular payment on XX/XX/XXXX. XX/XX/XXXX I received a call that I had been approved for modification and the back payments would be moved to the end of my loan. They kept saying that they were giving me a " fresh start ''. On XX/XX/XXXX I checked my credit scores and noticed that one had dropped 168 points! I was shocked. PHH had reported me over 180 days past due. I called to see what had happened. I was under the impression that none of this was supposed to adversely impact my credit. Their story is that I was removed from forbearance on XX/XX/XXXX so that they could do the modification. In the short time between my removal from forbearance and acceptance of the modification, they reported that I was late from XX/XX/XXXX until XX/XX/XXXX. 

I don't know why I was removed from forbearance before I had accepted their offer of modification. I requested the modification but wasn't even formally offered it until XX/XX/XXXX. I absolutely do not understand why they felt it necessary to report me delinquent when they knew I was receiving a modification and they would be made whole in a matter of days. If I had known my credit was going to be destroyed I would have chosen a different course of action. I have almost 400 on time payments on my credit report, and now because of this I also have 1 extremely late payment. That 1 payment dropped my score 168 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, 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:
All XXXX credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious back issues and could no longer drive or work to make the payments on the car.I lost the ability to walk. Had to go to a wheel chair for almost XXXX years and through pain management for XXXX XXXX before i lost XXXX disks in my lower back. They just disintegrated. I now have nuts and bolts and rods and screws holding me together. This can all be verified. I had to have major XXXX in XXXX XXXX of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/19 I purchased 2 plane tickets on the American Express Travel web site using all the American Express loyalty points I had available ( XXXX points ). The purchase with the points was confirmed ( see attachment ). I had contacted American Express Travel after the purchase to ask when the points will be applied because they were not immediately removed from my points balance. The rep stated that it could take a few days before the points are applied. 

On XX/XX/19 ( 20 days later ), I noticed that American Express had taken the next payment scheduled from my checking account and it included the full amount of the plane tickets that were paid with the points. 

On XX/XX/19 I called American Express and explained the problem, the rep had to transfer me to another rep at American Express Travel. I was transferred and explained the problem to the new rep. I was placed on hold for some time ( about 1 hour ) while that rep was following up on the issue. Eventually she came back and stated that there was an internal error applying the points and that I had to be transferred to a supervisor to rectify the problem. I was then placed on hold for some time and after a while the rep stated that I can continue to wait or get a call back. I agreed to the call back, but I never got a call back. 

I called American Express Travel that evening XXXX XX/XX/19 XXXX and had to start over explaining the situation to a new rep. I was then told that I again needed to be transferred to a supervisor. The rep took my call back phone number in case I got disconnected. I was then placed on hold for a long time ( over 40 minutes ) and no answer. I had to hang up because I had an appointment to go to. I never got a call back. 

I called American Express Travel again on the morning of XX/XX/19. I got a new rep who again took my call back number and after I explained my situation, he proceeded to transfer me to a supervisor. Again, no answer after waiting on hold for 45 minutes. I had to hang up. No call back. 

I am certain you would agree that I should not keep calling to get nowhere, I have attempted three times already. This is why I am filing a complaint. I had decided to book my plane tickets with American Express Travel in order to use my points. I even paid more for the tickets ( about {$200.00} more ) than if I had booked them with another agency. Not only did American Express fail to use my points ( even though I have a confirmation ), they proceeded to take the funds from my checking account for the full amount of the tickets. And since it has been very difficult to reach to the right person to rectify the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
name of company : XXXX XXXX XXXX address:XXXX  XXXX XXXX XXXX XXXX, CA XXXX Amount : {$46000.00} n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery they do nothing but harass to try to collect a debit. They use different phones from all over the United States. When my bank wrote off this debit in XX/XX/XXXX all they had was my cellphone number. XX/XX/XXXX I changed my cellphone number. they then started to use my home phone number which is listed. For 6 years now Portfolio Recovery is doing nothing but to harass. I also believe that Portfolio Recovery is being manipulated by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. ( XXXX ) XXXX. XXXX XXXX is an identity thief. She had gotten away with identity theft on the two credit cards that Portfolio Recovery is trying to collect for. She owns the XXXX car dealership XXXX XXXX that I worked for 20 years ago. XXXX XXXX is a harassment queen. For the last 4 years an investigator for the Iowa Attorney General has been working on a case against XXXX XXXX and XXXX XXXX. This phone number XXXX XXXX is from XXXX Iowa. In XX/XX/XXXX XXXX XXXX was using the indentity of a XXXX XXXX from XXXX Iowa and acting as a regional manager for Iowa XXXX XXXX. I turned her into XXXX in XX/XX/XXXX. On the XXXX website it just shows this number as suspected spam telemarking. This was the number that was put into my caller ID. I have call rejection on my landline phone and the call rejection and the last number called is a number from XXXX XXXX. That number comes back at XXXX as a XXXX XXXX. with complaints as Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
There are inaccurate accounts on my credit report and the credit reporting agency has failed to provide proof that these accounts are mine

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 2019-11-22
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made an exchange for digital goods online on a third party website, where I had an arrangement after funds were sent to me I would release digital goods. After confirmation was sent to me that funds where sent and funds where received on paypal, I transferred the digital goods. A month or so later I realize my account is negative and when I tried to contact paypal they claim that they dont cover these transactions and that it was a fraudulent transaction. Even though no transaction occurred over paypal other then receiving monies owed.I have proof of the transaction and even a picture the individual sent me that they sent me the funds. Which they don't even want to accept since they do not accept these types of transactions they claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: SLM CORPORATION
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae would call every almost every hour multiple times in a row for some days leading up to the due date of the loan. I got so frustrated, I tried blocking their number ... So they used a different number to call me. When I finally got the time/needed to talk to them, I answered and it was an automated caller that didn't allow me to talk to anyone. At a different time with a similar scenario, I contacted them and tried to figure out a repayment plan. After hearing the information they had to give, I tried to contact the borrower ( I am a cosigner ) and was unable to with normal means. I called them again, was met with hostility by the manager after I told them that I needed to look at my finances and try to contact the borrower again with different means. The manager was angry with me and questioned me about how I was trying to contact the borrower, why I hadn't tried that method yet, and " What makes you think she will answer you this time? ". I was surprised and upset and was disconnected from the call ( not by my fault ). I was furious and wanted to call back to complain to a manager, but I had to go to work because the call took too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE 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:
All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX XXXX and could no longer drive or work to make the payments on the car.I lost the XXXX XXXX XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost tXXXX XXXX XXXX XXXX XXXX XXXX. They just XXXX. I now have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story

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 2022-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED / XXXX Account # XXXX DEPT OF ED / XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED / XXXX Account # XXXX DEPT OF ED / XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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