BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX, Experian and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Portfolio Recovery Systems has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through XXXX. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. Portfolio Recovery Systems has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian are not fully investigating accounts. There were doctor bill that was put on my credit in which I had no knowledge of. According to the FACTA section 623 ( a ) ( 7 ) it requires all creditors to collectors to notify you by mail. This did not happen. I ask Experian to provide me with the person 's name they verified the dispute with, the address, the telephone number and the documentation used to verify the dispute. They told me to contact the creditor which I did but no response. I wanted to find out if I can not get an response who are they verifying this information is valid.

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 2015-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They called and gave out all of my personal info without verifying who they were or if they were talking to the right person. They gave out my American address and last XXXX of my social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I have disputed the statement I put on my credit report that I have asked for this statement to be removed & Experian is telling they Will Not Remove my statement I put up Im demanding that the Whole Statement to be removed ASAP!! 
This is my right its my credit I can delete it I WANT MY CONSUMER STATEMENT REMOVED ASAP WHAT RIGHT DO THEY HAVE TO TELL ME I CANT REMOVE A STATEMENT I PUT UP.

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 2016-11-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the following inquiries with Experian and have not received an acknowledgement about doing so. I 've called experian to see if they received it and they do not see my dispute for the following inquiries. The following inquiries were disputed using experian.comXXXX. 

Disputed Inquiries : XXXX XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX XXXX - XXXX/XXXX/16 I did not authorize any of these inquiries to be run nor did they have permissible purpose. I 've called each company and they were not able to find any reason as to why they ran my credit. I asked about deletion with all XXXX companies and no one knew what process to take to resolve 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 2016-01-12
Company: Statebridge Company
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
State Bridge Company They service my mortgage. 

They rarely pay my taxes on time. 

I put calls into their office and I am told they will create a " ticket '' and get back to me. 

I am getting letters from the city tax collector. Again - I have called and they just say they will take my information and call me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I saw " negative information '' re-inserted by XXXX which was preciously removed after a dispute. This happened after I caught them having opened an account under my name without my knowledge or consent. Since XXXX did not correct their mistake, I terminated all business with them. They most recently re-inserted a negative report. I tried initiating an online dispute with Experian, but they prevented me. My FICO score has since been lowered because of 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 2015-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
PLEASE CAN SOMEONE HELP ME!!!! Equifax has refused, as evident by their response here, to properly address my claims against them that they have, in light of their recent " investigative results '', violated FCRA law Section 605. Account labeled under XXXX # XXXX is incorrect, fraudulently reported and in violation of FCRA law. My attorney has asked me to purse another dispute against their fraudulent claims that this account is being reported accurately. Now, in fact, they have made matters worse by re-aging this account as XXXX days delinquent as of XXXX. I want to repeat, for the hundredth time that this account is NOT reported correctly and this account needs to be removed from my credit report for its inaccuracies and false reporting. Equifax has updated an already incorrect account and has re-aged to be delinquent as recent as a month ago. I have informed them many times that this account has not been opened since XX/XX/XXXX and is a settled account and was never delinquent or in collection. Why have they re-aged this now? Do n't they understand that making it even newer than ever will impact my FICO tremendously worse? How on earth do they verify it XX/XX/XXXX!!!? It has been closed and fully paid in XX/XX/XXXX with XXXX OverPayments and never even settled with XXXX. Their actions has just recently, as of a few days ago, dropped my credit report XXXX points! Their unlawful actions must be stopped please. they are changing and altering this account to be even more inaccurate each time i dispute it, XXXX and XXXX have removed this account, as a result of their proper investigation, and yet they refuse to come to such a resolution and have been very difficult to deal with. They have continually shut me down and are now COMPLETELY refusing to process my dispute on the grounds that it has previously been disputed. I have run out of options as they are XXXX reporting it incorrectly each time and I keep trying to help them correct it and or delete it but they treat me like I am wrong, stupid and do not matter. Please, help me i can not get any loans or credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have incorrect information on Equifax, XXXX and XXXX reported by XXXX ( XXXXHealth Care ) for the amount of {$720.00}. Submitted for collection on XXXX/XXXX/2012 to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through Equifax, XXXX and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
credit card reported lost and stolen last payment made on this account 8 years ago XXXX literally holding me hostage by committing fraud themselves they keep changing dates so the clock is reset again and again this acct should have been removed from my report last year but they are changing dates they t do not provide any bank payment docs too IREALLY NEED YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on two accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all XXXX credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lot more money due to increased interest rates and such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
To whom it may concern : I have had my XXXX XXXX XXXX card for a very long time and I was always very happy with it up until recently. I had emergency repairs in my house I had a leak and I live in a XXXX XXXX house and it was structural emergency that had to be fixed right away. I called XXXX XXXX to explain the circumstances and let them know I would be a few days late with my Minimum payment because of the emergency. Instead of working with me they cut my limit under my current balance and took of my pay over time feature away raising my APR up to 27.49 %. 
I have called and talked to several Mgr 's at XXXX XXXX XXXX most of the calls were out sourced to a different country which I went in circles trying to get something simple resolved. 
I had no other choice but to file a compliant with the XXXX and it still was not resolved after they mailed a letter to Corporate XXXX XXXX but nothing. 
I am quite aware that there is a Credit Card Accountability Responsibility and Disclosure Act of 2009 law that requires the card Issuers ( XXXX XXXX ) to provide written notice to consumers ( XXXX XXXX ) at least 45 days before the effective date of an increase in an APR or any other " significant change '' The 45 day advance notice rule is designed to provide consumers with sufficient time to respond to a change in terms notice which I got in 1 day notice by email that 's not fair. I paid my minimum balance of {$4800.00} and they emailed me for another {$13000.00} 2 weeks latter. I think my minimum payment was a few days late and I am current now but no one at all with work with me. I just want my terms put back the way it was before so I continue my good history with XXXX XXXX. Please let me know if you can help me resolve this they are not working with me even knowing they broke the law. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputing a fraudulent Judgment and Collection account that I am not liable for on my Equifax credit file since XXXX XXXX, 2016 as they are in violation of the FDCPA. I have provided Equifax with all documentation supporting my dispute and they refuse to properly investigate and update my credit file accordingly by deleting these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
For the second time now Equifax has had my credit report disputes under investigation for more than 30 days with no results. They have not sent the results or changed the pending status on two separate occasions. These items must be deleted per the FCRA laws, I should not be subject to an additional 30 day wait for a dispute that I have submitted legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Please, can someone here help me communicate properly with Equifax. I keep trying to explain to them that XXXX XXXX and XXXX are extremely outdated and over and over again they claim that they are unable to process any more disputes regarding the XXXX accounts, which need to be deleted from my file, on the grounds that they have " investigated '' them already. XXXX help me, I can not see what they investigated, how they investigated and who investigated it and how. If XXXX had indeed investigated these XXXX trade lines they would plainly see that the accounts are well passed statue of limitation and the 8 years mark. But they refuse to take action. Why? This is talking too long, and I gave nothing to show for my struggle nor do I believe the people at Equifax. This is bogus ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The payroll dept sent me an e-mail stating in XXXX weeks XXXX XXXX XXXX was going to start a wage garnishment from my payroll? I had no clue what she was talking about? I never received anything from them? No paper work no letters NOTHING!! They already took out the first payment of {$300.00} which she stated they requested every two weeks. I do n't have money for an attorney so I do n't know how to stop this? I have tried calling several times with no results. I mailed a letter to them with no results? If they continue with this garnishment I will not be able to pay for my car payment then I will be out if a job! How can companies like this purchase old debt and immediately start a wage garnishment. I am more than will to pay any old debt but not in this manner. I live from pay check to pay check. Half of my income goes straight to pay the rent on my apartment. Please help!!! I also noted they have my address that I lived at XXXX years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Debt Collector ( s ), Obligors, Debtors XXXX and XXXX XXXX are attempting to collect an alleged debt of the Consumer. The named debt collectors are engaged in illegal acts by simulating a judicial court affiliated with the United States. The debt collectors were served numerous notices under federal consumer statutes but fail to comply. The debt collectors are attempting to seize the private property, consumer goods of the Consumer under the guise of Foreclosure which is not being performed in a competent judicial district under 15 USC 1692i. The debt collectors are not exempt pursuant to XXXX, XXXX under federal law. This debt collector is taking illegal non judicial actions in violation of the FDCPA, 15 USC 1692, Identity Theft, XXXX. The FTC has a report by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern I received terrible service with mortgage department I 'm on loan modification the last was to come on the XXXX this month of XXXX instead XXXX came out of my account. The above happen XXXX on XXXX/XXXX/15 and XXXX/XXXX/15. after several months and XXXX different account managers I finally got loan modification and now still the employees are not doing their job and paying. Unfournately this the normal with bank of America they want you to lose your home. Tired and stressed out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Bills from XXXX XXXX of XXXX that I discovered in my credit report and referred for collection to American Adjustment Bureau. XXXX referred me to AAB, AAB has not responded with verification of amount and veracity of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
I am a natural person, I have the right under 15 USC 1681. XXXX is govern by USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did NOT give XXXX written permission to furnish these accounts! 
XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 DELETE ACCOUNTS!

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 2015-06-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
To whom it may concern, I 've been a member of the XXXX program for years and hold an AMEX Corporate Card so my name should be on file for quite some time already. 
I applied for a XXXX American Express card but this is being refused after several attempts to confirm Social Security details. The issuer rejects evidence provided and keeps requesting additional proof. 
After XXXX attempts to e-mail/upload an electronic version of my Social Security number ( the XXXX not accepted, the XXXX -upload- never available online ) AMEX asked me to obtain an Original Letter from the SSA and mail to AMEX HQ in XXXX XXXX XXXX , Utah to have this processed ; only to find out ( on my, n'th call ) that the document has not been accepted and now require a Compulsed copy of my SS Card ( also by mail ). 
Thus, SS numbers should be accessible for the CC Issuer to check at any time, and confirm with the local agency. This process started with my application, probably 4 months ago. This is clearly unacceptable. There must be other ways to proof SS or credit worthiness ( current bank accounts, fraud lists etc ). 
Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-16
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
They have for communication skills XXXX XXXX claims they put me in a loan rehabilitation program for XXXX dollars a month for nine months I have mailed the paper back three times and they claim they have never gotten it so now I have a put my loans into default with a they 're debt collecting agency Threatening me on how they are going to get their money obviously someone is not doing their job because every time I mailed the paperback they do n't get the paper so something is wrong here they also claim they can not postpone my payments so they gave me the option of a loan rehabilitation program

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Situation : I have has XXXX of XXXX accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted XXXX on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then XXXX will collections called me, I explained the situation they noted the account. Then they sold the debt to Midland funding, who seems to be very aggressive. Tried to sue me for all the accounts from XXXX. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland funding started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then Midland places to other bureaus. Then I need to complain there and get it removed. Midland Funding is like XXXX, once one portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw Midland only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the XXXX that they are actively reporting after 6 months of re-investigation with no results:1 ) Balance was positive XXXX ) Charges were XXXX ) In the end i was owning XXXX XXXX ) Midland reports and demands for {$2500.00}

Company response to consumer: Closed with explanation