BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXTHIS IS NOT A DUPLICATE COMPLAINT- I HAVE ADDED NEW INFORMATION REGARDING AFFIRMS ILLEGAL REPORTING PRACTICES AND FOR FALSELY STATING ONLINE THAT IF THEY REPORT TO CREDIT THAT THE FULL PAYMENT HISTORY WOULD BE REPORTED - XXXX  CAN'T JUST PICK AND CHOOSE WHO THE XXXX IT WANTS TO REPORT AND WHEN. XXXX XXXX  is currently reporting ONLY after a late payment was made on an account that wasn't ever late - and they only reported the " late payment '' month and going forward on my credit, in spite of having these loans for quite a long time, which was never reported until I was supposedly late on a payment, which I absolutely was NOT late, period. Additionally, one of the accounts in question was fully refunded back to me and was on two week payment terms, not month to month, yet they reported it as a month to month payment. 

**PLEASE SEE THE ATTACHED SCREENSHOT OF XXXX XXXX WEBSITE- IT CLEARLY STATES THE FOLLOWING : " Reporting to credit bureaus XXXX currently reports some loans to Experian and may report to other credit bureaus in the future. Please note that this can include loans with delinquent payments, which may impact your credit. If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. 

Please refer to the " Credit Reports and Monitoring '' section of your loan agreement for more details. Your loan agreement can be found by selecting Loan terms under the Details section of your loan in the XXXX app. '' LIE # 1 : " If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. '' LIE # 2 : " XXXX  currently reports some loans to Experian. ''

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 2023-05-21
Company: SANTANDER HOLDINGS USA, 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:
I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an American Express Serve account in XX/XX/2019. After several weeks, on XX/XX/XXXX I received an email notice stating that my account was permanently suspended for " activity that was in violation of the Serve Member Agreement. '' I really don't know what that activity was, since all I did on the account was make some deposits and withdrawals. I called the number in the email, and the person I spoke with told me I was not possible to inform me the reason for the account suspension. 

I received a separate email a few hour later, also on the afternoon of XX/XX/XXXX, stating the following : " Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. '' Since that time, I have received automatic email reminders every Thursday indicating the balance in the account ( {$5.00} ), even though it is permanently suspended. 

I called American Express Serve at ( XXXX ) XXXX on XX/XX/XXXX to find out why the funds had not been returned to me and the gentleman I spoke with told me a check had already been issued. I waited two weeks and called again, on XX/XX/XXXX. This time, a supervisor, XXXX, told me that no funds had been issued to me and that American Express will not be returning the money. He claimed that the term of service I subscribed to give American Express the right to take the money and turn in over to the state. I could not find any such language in the agreement he cited. 

The representatives I have spoken with have insisted that I must write a letter to an address in Florida to know why my account was suspended. I have explained over and over that I do not need to know why they saw fit to suspend the account -- that is their concern -- I just want my money returned as I have been promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
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: Information belongs to someone else

Complaint:
unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-10
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB Management Services INC is a debt collector that purchased by charged off auto loan. When they purchased it they also reported to my credit bureau. and re-aged the account so it appears as new debt. It does not specify or reflect the original charge of date therefore lowering my score. Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
This particular agency isnt fallowing regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Kriya Capital, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid a debt with credence resource management and we agreed to remove it from my credit but they put it as paid it is causes me hardship due to keeping my score low Im trying to refinance my home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16
Company: Global Asset Management Group, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Told me how do you plan to pay if you not working in said when I was working I was paying they told me well the court costs and attorneys fees will be double his name is XXXX ph # XXXX I ca n't find an address or company bio I called the XXXX on that area they have know reference of the business

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 2017-06-25
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, XXXX is a Loan Servicer.  My primary residence loan was financed with XXXX XXXX. They sold it in XXXX to XXXX XXXX XXXX XXXX. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XXXX XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from XXXX XXXX XXXX, XXXX. You can XXXX them and see the negative reviews from others..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: NY
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 would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2023-05-21
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home in XX/XX/2022 using an FHA XXXX. During the process of closing, the loan officer ( XXXX XXXX from Cross Country Mortgage ) introduced me to a general contractor ( XXXX XXXX XXXX ), which at that time was the only option given to me by the loan officer.

I proceeded with the loan as my loan officer advised even after appraisal came shorter than the estimated loan amount. 
Month later, I discovered that the general contractor was inexperienced ( in contrast to what I was told by the loan officer and the general contractor ). My project is at least 6 months behind and XXXX end up in foreclosure as the property is a XXXX family residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I opened a XXXX XXXX XXXX credit card and made a large order. The order never arrived and I was supposed to be given a full refund of the amount on the card -- meaning I had XXXX balance on the card. The company never charged the initial amount back and listed it as delinquent. However the charges on the account were not mine -- I had in writing their agreement to charge back the full balance of the card. The card was closed without my permission and sold to a debt collection agency and is listed in collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. 

I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: DISCOVER BANK
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:
I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
COMPANY DID NOT FILE A COMPLAIN WITH A COURT OR DID NOT NOTIFY ME IF THEY DID, BUT WENT AHEAD TO PROVIDE MY BANK, XXXX BANK FAKE DOCUMENTS AND GARNISHED MY BANK ACCOUNT ILLEGALLY OF FUNDS RANGING FROM {$410.00} TO {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Rent Recovery Solutions
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved out of the XXXX XXXX XXXX ( XXXX, WA ) on XX/XX/2015 and the move out statement that the apartment complex sent me ( after receiving multiple dispute letters ) even confirmed that my lease expired on XX/XX/2015. Yet for some reason the XXXX XXXX XXXX are trying to make me pay for imaginary charges from XX/XX/2015, more than a month after I had already moved out. I 've already submitted multiple dispute letters to the Apartment Complex and to the Debt Collection agency, yet they still continue to harass me with imaginary charges. I literally did n't have any association with the XXXX XXXX XXXX in XX/XX/2015 ( neither a lease or living there ) and they are still trying to make me pay for made up charges multiple years later. I 've sent at least half a dozen dispute letters, and for some reason, to the XXXX that just means that they should harass me some more with imaginary charges. The most recent debt collection agency ( Rent Recovery Solutions ) has offered me a 20 % discount if I pay these imaginary charges, even after I sent them a dispute letter as well! I have XXXX and am out of work right now, preparing for a XXXX. This is the last thing I need in my life right now, any help would be greatly appreciated. What they are doing has to be illegal, they know I do n't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
We booked an accommodation for XXXX nights in XXXX through XXXX, based on the rate clearly indicated on their web site, namely {$99.00} per night. The reservation I.D . number is XXXX. There was a confusing email exchange with the host, XXXX, concerning the security deposit, which we understood to be an addition to the daily rate. So far no problem. But when the Discover Card statement arrived, to our shock and dismay, the rate came out to double the clearly advertised amount. 
We called the XXXX help desk, and had a texted chat with " XXXX. '' He was friendly, but inside his narrative was a lot of what XXXX XXXX would call argle bargle. Examples, from the printout of the exchange : " When you made your reservation and entered in your dates it should have given you a clear nightly breakdown '' [ it did not ]. " Your host had custom pricing on the days that you booked. '' [ what can that possibly mean, other than false advertising? ] " The nightly rate changes upon entering dates as different dates can have different rates similar to hotels. '' [ If so, they should be clearly shown at the outset, especially if they constitute double the advertised rate. ] The bottom line is that this is deceptive, false advertising, plus what we midwesterners call bait and switch. We had thought that the amount on the credit card statement, namely {$1000.00}, involved cleaning fees and deposits, but it was instead a pure ripoff. The host might indeed set the rates, but the web site should not clearly draw in customers with a phony, never-relevant daily price. The host 's command of XXXX is less than perfect, so I declined " XXXX 's '' suggestion that I deal directly with him. The host did not construct the web site, XXXX did. Thus it is their responsibility/culpability that is at issue here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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