BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-09
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 filed several requests to have information on my report ( as outlined in the attachment below ) blocked from my report under FCRA 605b due to identity theft. To date all Experian has done is send a form letter each time telling me that my identity theft block request is not valid because I have failed to provide the required information and gives a list of information I should send. I have sent all information on the list provided each time I request Experian to place the block. Why is my block request not being completed? 
I am not asking Experian to open a new investigation of these identity theft accounts, I am asking them to block accounts within XXXX business days as per the FCRA. 
Attached file contains my report to Experian specifiying which accounts to block, all my identifying information ( full name, list of addresses for past two years, social security number, date of birth ), a copy of my valid identification, a copy of XXXX utility bills in my name listing my home address dated within 30 days, a copy of the police report I filed in regards to the identity theft, a copy of my completed FTC ID theft Affidavit including law enforcement information. I have provided everything on your list. Please do your part and block the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I sent money transfer around XXXX XXXX. I always send Money transfer without Id. I have doing it for years for family members. I also have received money transfers. Agent states as long as its {$100.00} or less, you can send without ID. There is no change in sending funds regarding Id, unless funds go over a certain amount. Receiver was unable to pick up money transfer, and was told by agent it is being HELD. The receiver was asked for ID. Receiver does not have Id. We requested to have Money Transfer name change so money transfer funds can be picked up. Numerous calls were made, along with emails, and faxes to change info without success. I sent another money transfer in person that has id, due to the long time it was taking to have info changed. The XXXX transfer was sent XX/XX/XXXX. two - three weeks later. The original transfer funds are not being released back to me, ( sender ). Western Union requested to have a letter of explanation. I have sent that also. I continue to call, Western Union reps state the same info each time did you send Id. I explain I have already sent another transfer. This transaction needs to be cancelled. Western Union is now requesting additional info. I am requesting money transfer to be cancelled and refunded. it has been over 45 days that original transaction was done, it will soon be 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I am being harassed about a XXXX Orchard Bank debt of {$500.00} which is now {$2100.00}. this they say happened in 2000. I say I cleared this up and I do n't owe them. My credit report has been cleaned up at least XXXX times in 15yrs. I say the statue of limitations protects me against their claim. They called me and threatened to come to my job and file a court judgement against me. They just want the money and said they would call on Friday, today to see what plans I have for paying them ( a XXXX party ) XXXX XXXX XXXX Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my name is XXXX XXXX and i currently reside at XXXX XXXX XXXX XXXX XXXX XXXX.as i was reviewing my credit report i notice there are items listed on my credit report.that does't belong to me.i want to verify that my name is spelled XXXX XXXX and not in any other way.the only credit card that i had applied are from XXXX account # XXXXand XXXX account # XXXXalso.the only adresses that i lived are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are credit cards listed on the credit report that i had never applied before nor had i lived on the adress that listed on the credit report. 
please remove all other items that did n't belong to me. 
thank you for correcting my credit report. 
your help is greatly appreciated

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 2015-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I tried to sign up for the XXXX bureau credit monitoring system offered through XXXX website. However, I was unable to complete the transaction due to a block ( notice ) on my Experian report. The notice reads " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security XXXX ''. When I contacted Experian to fix the issue, they told me nothing could be done. My SSN was issued XX/XX/XXXX. Since XX/XX/XXXX, the Social Security XXXX changed the way they issued SSN to increase security and consumer protection. As such, many companies, including Experian, can no longer validate my SSN. I can not understand why I am being penalized and denied service because a safety featured implemented by SSA. I would like to request that Experian remove this notice from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I paid XXXX $ for a credit report. Without my knowledge I was enrolled in a recurrent credit monitoring service. I noticed the XXXX $ charge on my next credit card bill. 
I called them to dispute the charge. I was informed that I was sent an email ( I never received XXXX ) that I had one week to cancel but I missed the deadline. I told them that I was n't aware I was even enrolled but they did n't care.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collections account on my credit report by Portfolio Recover XXXX ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied other than a useless bill showing a previous balance but no other information. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, complete history showing payments, charges, interest and fees to support the amount of debt you claim is owed, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.

6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Please cease and desist all collection attempts and remove this erroneous information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Credit Reporting company, XXXX XXXX XXXX ( XXXX ) credit card services, intentionally reported my payment status to credit bureaus as 'Unknown ' rather than PAID ; Simultaneously, said bank intentionally removed the value of the subject credit card 's 'revolving credit limit ' thereby 'Negatively decreasing my Credit Score '. These simultaneous negative Credit Card reporting actions by XXXX created an 'illusion whereby any revolving credit usage on behalf of the consumer would provide false percentage of total usage '. The above-mentioned 'diabolical scheme ' surfaced when the consumer PAID IN FULL the balance of XXXX Credit Card nearest the statement cycle closing date and the consumer did not opt to use XXXX 's offer of free FICO Score services. XXXX reported the consumer 's credit card as OPEN with zero balance while 'knowingly removing the revolving credit limit field and while changing the Staus-Field of the credit reporting to 'Unknown ' ; This field had always been reflected as PAID by XXXX as the consumer was NEVER LATE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed my complaint on XX/XX/22, Bank of America responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION

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 2016-05-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
disputed a debt with XXXX of which I sent a letter to them asking for simple details like dates of services rendered and merchandise purchased and did not receive anything. Did get letters from XXXX different companies trying to collect same debt. Sent same letter to each company and did not receive any information. So disputed debt with Experian and all I got was " Remains '' No explanation of why. Debt does not appear on either of the other XXXX credit agencies.

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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
For a week I have been complaining to Trans Union. Today I called and spoke to a woman who obviously in another country if not another world. I am trying to get an account removed because it has been closed for 7 years. I paid the account as agreed and she stated that any NON ADVERSE account must remain for 10 years. The problem is that when I was young and had no credit, the only company that would give me credit was called XXXX XXXX. 40 years later I needed a loan and went to XXXX which is the new name for the old company. Little did I know that a consumer loan company is a black mark on your credit. I paid the loan as agreed and in XXXX of XXXX it was closed. In the meantime I checked my credit score and one of the reasons for a lower score was that I had used a consumer loan company and that many people with poor credit do as well. Since I checked that, I have been waiting for the 7 years to pass when I could get it removed. Now they tell me that if it in NON ADVERSE, it must remain for 10 years. If it has a negative impact on my credit score, it is an adverse account. I want this account removed from my credit bureau as it adversely affects my credit score just by the type of company it is.

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 2016-04-12
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred to Fay Services from XXXX XXXX XXXX as of XXXX/XXXX/16 due to us being behind on payments. On XXXX/XXXX/16, we made a payment of {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment for {$1800.00} which cleared our bank on XXXX/XXXX/16. On XXXX/XXXX/16 we made a payment of {$1800.00}. This check was sent back to us with a letter stating that they could only accept the full balance due for payment. Our XXXX/XXXX/16 statement had a balance due of {$6700.00}. On XXXX/XXXX/16, we sent a payment for {$6700.00} paying the balance in full as the letter requested. On XXXX/XXXX/16, we received a check from them in the amount of {$1800.00} refunding our XXXX/XXXX/16 payment. To date they have not applied the {$6700.00} payment and have put our house into pre-foreclosure. I called on XXXX/XXXX/16, when we received the check in the mail. I left a message for our account manager, and he still has not called me back as of XXXX/XXXX/16. I finally got to another representative on XXXX/XXXX/16, who hung up on me in the middle of explaining our payment application issue. My husband called on XXXX/XXXX/16 and left a message for our account manager and has not received a call back either. He spoke to another representative who said he would look into our {$6700.00} payment and call him back by the end of the day. He did not receive a call back. I checked our account online this morning, and not only have they not applied the {$6700.00}, but they have put a property preservation notation on our account for the pre-foreclosure. In addition, they told my husband we would owe additional late fees for the money that they returned back to us. Our XXXX/XXXX/16 statement shows a late payment will be assessed if the full balance of {$6700.00} is n't paid by XXXX/XXXX/16. They are holding onto our funds to accrue late fees, and sending payments back so they can continue to refuse payments for payment not being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After three failed attempts to have Fay Servicing apply funds to outstanding late fees, I am submitting this complaint. I have contacted them three times by telephone. I have written them XXXX letters, as well. All to no avail. 
Currently, my account has a balance of {$160.00} sitting in an account that Fay Servicing calls, 'Suspended Balance. ' I also have an outstanding amount due in late charges of {$160.00}. I have asked Fay Servicing to apply the money in the Suspended balance to the outstanding late fees. To date, they have failed to do that. I tried reaching my account manager, XXXX XXXX, but she is not available. I did speak with her on XXXX XXXX, 2016. At that time, she told me that the money would be applied to the outstanding balance for late charges. That never happened. Today, I called Fay Servicing for the third time to resolve this matter. XXXX XXXX was not available. When asked to speak to her manager, XXXX XXXX, I was told he was not available but would call me. He has yet to do that. 

It should not take XXXX letters and XXXX phone calls to have a simply matter like this resolved. I also ca n't get an answer from Fay Servicing as to why their accounting system software can not apply the money in my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed a short term loan in 2015 from XXXX XXXX in the amount of XXXX. I made payments of {$140.00} every 2 weeks for almost a year for a total of {$2100.00}. It turns out NONE of the fees went to pay down the loan or toward interest and it just turned into one long vicious cycle. Now they are harassing me sending threatening emails trying to make me lose my job. They say in the emails that a court case was filed but the court said none existed. I received a text from them recently that said be at my house at XXXX to be served papers. No one came to my house. I am very frightened of their tactics and not sure if they are sending someone to threaten me in person. Then I received two letters from a couple weeks apart with one backdated to XX/XX/XXXX and another dated XX/XX/XXXX. The XX/XX/XXXX letter references a letter a never received and the XXXX said I had run out of time to validate the debt which is a violation of the 30 days allowed under FDCPA Section 809. I think they have done this as a form of harassment. I feel as if they are loan sharks capable of doing whatever they want to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion indicates I have a late payment that supposedly occurred 5 months ago, but that is not true. I have disputed other credit reporting issues recently, and it was only after I did so that my credit score dropped dramatically for no apparent reason. I would like Transunion to provide proof as to which particular account ( accounts ) I paid late within the past 12 months.

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 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX paid collection accounts on my Transunion report. XXXX regarding XXXX XXXX XXXX from XXXX XXXX for {$180.00}. I submitted paid receipts to Transunion and they have not removed it from my report. They sent me a letter stating the nature of my request was illegible. I followed the Transunion customer service representatives instructions who I clearly reported the issue to over the phone and sent them the requested proof by fax. If XXXX removed it because it was closed why wo n't Transunion? 
The second case is a paid in full account with XXXX XXXX XXXX bank ( XXXX ) and their collection agency, XXXX XXXX XXXX , XXXX. The collection agency has submitted a letter to the credit bureau absolving me of this debt but Transunion still has not removed the account or reported it paid. I have proof from XXXX XXXX XXXX , XXXX absolving me of the debt stating it is paid but they still will not remove it from 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 2016-08-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have applied for my XXXX credit report. I was told I had to send information to show who I was. I provided my state id and social. I have yet to receive my credit report. I did get a letter from the agency again asking for the same information

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