BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a XXXX credit card on my account. Ive been disputing for the past 3 years but they keep denying me. I placed a fraud alert on my account since XX/XX/2017. XXXX has this on my credit since XX/XX/2017.

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 2019-07-21
Company: CITIBANK, N.A.
State: RI
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:
Trying to rebuild my credit score download of XXXX XXXX look at it everyday get alerts noticed on XX/XX/2019 cbna for the hard inquiry and I'm wondering how can that be since I don't know who they are where they are and I didn't apply for?

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 2020-07-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Point Up Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my XXXX XXXX on XX/XX/2022 through my friend 's referral link via text, a screenshot of the text is as attached ( including my virtual card number that I checked right away ). Here is the offer : https : //www.point.app/legal/referral-21-march-2022-general, and the offer email ( with referral 's email and referral code ) is also included in attachment, this email was just a reminder to my referrer that she had this offer back then. The sign up bonus is spending $ XXXX before XX/XX/XXXX to earn a {$100.00} in points, terms are attached. Note that my referrer 's Point REFERRAL CODE is XXXX, and my email on file with Point is XXXX, FYI, to find my account. I confirmed that I have met the requirements of this offer but Point XXXX  claimed I was enrolled in another offer and issued me an incorrect XXXX points instead of XXXX points. It was impossible that I was enrolled in a different referral offer because I opened my account through clicking my partner 's text message. Please fix this error caused by Point team and credit {$100.00} each to my referrer 's account and mine, per offer terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Northstar Location Services, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received a collection letter from NORTHSTAR LOCATION SERVICES LLC XXXX XXXX XXXX XXXX NY XXXX PHONE XXXX XXXX XXXX   CREDITOR XXXX XXXX XXXX ( PAYDAY LOAN ) BALANCE DUE {$2100.00} I ASSUME THEY PURCHASED THIS LOAN FROM XXXX XXXX/ PAYDAY LOANS ARE ILLEGAL IN THE STATE OF NEW JERSEY UNDER CONSUMER LOAN ACT , N.J. Stat. Ann. tit. 17, 1 et seq., N.J. Stat. Ann. 2C : 21-19., N.J .

Ann. 17:15A-47 They are attempting to pursue a judgement on an illegal loan.

The loan was for XXXX  I have paid $ XXXX.Principal balance left {$980.00} I will be sending certified letter to them stating they are in violation of NJ LAW FOR PURSUING COLLECTION OF AN ILLEGAL LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My mother passed away in XX/XX/XXXX and I called the reverse mortgage in XX/XX/XXXX to submit our intent to keep the property, request for marketing extension, and to payoff the loan balance. They advised me to send the Last Will and Testament, Death Certificate and a letter of intent and my requests which was promptly emailed on XX/XX/XXXX to PHH mortgage at the email address they provided. They said it would take 48 hours to authorize me in the account. I checked again on XX/XX/XXXX and the loan representative said that they did not receive my email due to difficulties they were having with their system. I submitted a new written request for payoff, marketing extension and for authorization the same day ( XX/XX/XXXX ). I was instructed to check back in 48 hours. On XX/XX/XXXX I called again to check status and the representative said that my documents had in fact been received the first time and that the file was notated by their legal team to say that the Will was not notarized therefore I am not authorized on the account. Im checking with an attorney, I was advised that Last Will and Testaments in the state of California do not require a notarization and the only require that is that they are properly witnessed. My mothers Will has been properly witnessed. I have attempted to contact the reverse mortgage company, PHH Mortgage Services to address this inaccurate information from their legal team but they continue to refuse me as an authorized person on the account. Time is of the essence in paying off this loan. However, after receiving several different reasons this company has deemed as insufficient for me to become authorized, and also asking to speak to a manager or Vice President, I have been unsuccessful in any attempts to receive a payoff statement including wiring instructions. At this point, I believe my consumer rights are being violated and that this mortgage company is thwarting my duties as a Trustee for my mothers estate. The beneficiaries are also being prevented from paying off this loan and their rights have also been violated in the process. To date, I have sent them the copy of The Living Trust, naming me as Trustee, The Last Will And Testament, Payoff Request, Marketing Extension Request. PHH issued a final notice calling the loan on XX/XX/XXXX with instructions that we have 30 days to comply before the loan goes into foreclosure. However, they will not cooperate with sending a payoff statement so that we can comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: SC
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. 
XXXX DEPT OF EDXXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has been sold to Ditech from  XXXX   XXXX   XXXX . I had started the modification process with  XXXX   XXXX   XXXX  because I had major  XXXX  in   XX/XX/XXXX .  All documents included but not limited to  FMLA  medical records and the loan modification paperwork including pay stubs bank statements etc were completed and faxed to  XXXX   XXXX   XXXX . In  XX/XX/XXXX   XXXX   XXXX   XXXX  sold my mortgage to Ditech. I am making regular monthly payments but remain 3 months behind.  XXXX   XXXX   XXXX  DID NOT FORWARD any paperwork pertaining to the modification to Ditech. Ditech has now taken the position that they want to begin legal process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are XXXX 1. XX/XX/XXXX XXXX XXXX XXXX  XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX  equifax 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Prior to dental services, I asked the company if they accepted my insurance and they answered " yes they did. '' Services rendered were to be paid in full by the insurance company per my policy coverage. After services were performed, I was sent a bill in the mail for the complete cost of services. When I called the service provider, I was told that " the lady who told me that they accepted my insurance had made a mistake and they in fact did not accept my insurance coverage. '' The provider claimed that " I was to be responsible for the full amount of charges. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CONTRACT RESOLVE GROUP LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Im XX/XX/22 I was contacted by XXXX XXXX of Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX saying that he was representing XXXX in resolving a payment he thought I I owed. Ive asked him numerous of times not to call my workplace. Not only did he keep calling harassing me but he manage to reach out to my family members. He has threatened me, my staff and my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is in reference to a Citi Bank Sears Credit Card. Company refuses to delete my online AND personal account information. Have received multiple explanations from Citi CSR Supervisors regarding why this cant be completed : ( Company Policy, Patriot Act, Credit Reporting Bureaus, Information Sharing ). 

Citi Bank has failed to disclose any written restrictions or limits to deleting online accounts and/or personal account information either in their User Agreement or on their website. 

This is a breach of privacy and of personal security to have this data just sitting out there on their servers for an undermined amount of time.

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 2019-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I have received 15+ calls from this company Portfolio Recovery Associates and have payment plan set up with them but they have been consistently harassing my  phone and calling nonstop from different numbers. I have had it and am tempted to change my number. Please remedy this as this company is causing a big disruption in my life. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: Merchants and Medical Credit Corporation, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, Merchants & Medical started reporting a {$1100.00} balance on my XXXX credit report. Prior to this account showing up on my credit report, I never received any notice of my right to dispute. I have written Merchants & Medical asking them for a detailed explanation for this debt, but I have still yet to receive any explanation at all for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: CA
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:
To whom this may concern, I am reaching out about a XXXX XXXX Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to XXXX and Equifax multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. Experian results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from XXXX with inaccurate results. Equifax has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to XXXX XXXX XXXX XXXX directly and they are completely neglecting the issue at hand. 

XXXX XXXX XXXX XXXX Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to EQUIFAX that I mentioned in the paragraph above along with receipts that require electronic signature from Equifax upon arrival. These exact same letters were also sent to XXXX but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im submitting a complaint against Commonwealth Financial Systems, INC. in regards to a collection debt placed on my credit report at all three credit bureaus. I have been disputing this debt all year and they wont remove it and I believe this debt doesnt belong to me and it should be removed from my credit reports ASAP. 

The information they submitted to me doesnt support that the debt belongs to me. The invoice they submitted doesnt have the full explanation of benefits and on the invoice it states XXXX XXXX XXXX. 

The reason Im stating this is not my medical bill is because I have worked for the same company for XXXX years since XXXX and I have the same medical insurance since XXXX. All the claims ( XXXX ) ( XXXX. Acct XXXX ) that were submitted by XXXX XXXX XXXX at XXXX for the date of service on XXXX/XXXX/XXXX had the correct medical insurance information and was paid by my health insurance company. There are no records with my health insurance company that this medical bill was submitted to them in XXXX. 

When I contacted XXXX XXXX XXXX XXXX in regards to the original medical bill they wasnt able to provide me with any information. They only information they were able to provide was my name and that the invoice had the wrong insurance company information on it. They werent able to provide the doctors name or invoice amount. 

The representative ( XXXX XXXX with XXXX XXXX XXXX XXXX informed me that this debt was sold to XXXX XXXX XXXX and he didnt have a record of Commonwealth being the collection agency and he wasnt sure why they referred me to contact them because there was nothing they can do. 

I feel this is not fair to me because I never received a copy of the bill. Im not sure who is at fault with providing incorrect information, if its the hospital but Im suffering from it. When I spoke with Commonwealth they informed me they would not remove this from my credit report unless I pay the full {$960.00}. 

I truly believe this is not my bill because all the bills submitted for service on that day was submitted to my health insurance company and they were paid. I also asked Commonwealth why did they wait so long to report this to the credit bureaus and they stated because they just received the medical bill in XXXX XXXX. 

If data is being passed from XXXX to collection agency to collection agency their might be an error with incorrect data being reported. Please look into this issue and remove this incorrect data from my credit report because the original creditors are not able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Jacob Law Group, PLLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX jacob laww croup pllc has refused to send any validation information of this alleged debt we have tryed for years they are all in violating Federal law on multiple accounts and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: EQUIFAX, 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:
There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXX XXXXor validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to XXXX and Equifax on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments

Company response to consumer: Closed with explanation