BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-30
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I found out that I am being sued by American Express through their counsel, XXXX XXXX XXXX. I contacted XXXX with XXXX XXXX to discuss settlement options on the account in XX/XX/2019. XXXX agreed that American Express would settle my account for {$10000.00} and the remaining balance on the account would be forgiven. At that time, XXXX told me to contact a fourth party, named XXXX. XXXX works for XXXX, a collection agency used by American Express ( as it was explained to me ). XXXX said I had to pay XXXX the settlement amount. Despite misgivings, I have XXXX my debut card number. My bank would not approve such a high purchase and denied the charge request. 

XXXX told me that XXXX would contact me with payment instructions for my account. That was the last I spoke to anyone from American Express. If I call them, and I have called both several times each, they will not answer my calls. 

I believe that XXXX XXXX broke our verbal contract because they will not allow me to make payments on my account, not answered.my phone calls. I also believe they lied to me regarding the terms of my account settlement for less than owed. 

I ended up having to make a payment to try to get the account paid off before a judgement is placed on me of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is 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 2017-11-21
Company: Experian Information Solutions Inc.
State: LA
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 submitted information to XXXX XXXX several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to XXXX regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' they need to VALIDATE it! and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with 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 2018-05-21
Company: AMERICAN HONDA FINANCE CORP
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: Problem with personal statement of dispute

Complaint:
I completed a 36 month lease agreement for a XXXX honda XXXX with Honda Financial Services XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While Honda Financial Services had possession of said vehicle, Honda Financial Services was given a detailed inspection list of wear and tear for end of lease damage. HONDA Financial services in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX honda XXXX. 
as of XX/XX/XXXX Honda Financial Services still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been victim of three thefts of my identity, with XX/XX/2018 being the most recent when someone opened a XXXX XXXX credit card in my name and ordered merchandise which I was charged. 

I have asked all three bureaus to add a fraud alert to my credit reports but even with the fraud alerts the credit bureaus DO NOT VERIFY nor call me when attempts are made to open credit in my name. 

What good are these private credit bureaus for profit if they do not even protect consumers. Maybe its time to federalize these industries. 

I want the bureaus to add fraud alerts to my file and ENFORCE THEM WHEN CREDIT IS APPLIED FOR!!! 

RIGHT NOW THE CREDIT BUREAUS ONLY QUESTION ME ABOUT WHO I AM AND NEVER THIRD PARTIES WHO CALL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Discover Bank has failed to be transparent regarding their fees and services since I have opened an account with them less than 30 days ago. On XXXX, I opened a checking and savings account with Discover Bank and initiated a transfer to fund my new account. There was some " system error '' on Discover 's part that listed me and myself as both the primary and joint account holder -- leaving my husband completely out of the account and 2 cards arriving to my house in both my name and my name. It seems reprehensible that a banking institution could make such an egregious mistake using someone's social security number. 

Furthermore, I remained with Discover but with so many issues that I am forced to close my account within the first month. My first transfer took almost 7 business days ( 1.5 weeks ) to process. I called to inquire about this long time frame and was promised this is only the case for the first transfer. However, ALL of my transfers since have been the same processing time or even longer. Even debit transactions take 3-7 days to process with Discover when XXXX and other banks process the same day. 

Moreover, I deposited a check via mobile deposit from my employer. The bank website states that " deposits made before XXXX XXXX  will be available same day ''. I made the mobile deposit at XXXX XXXX on XXXX and was notified that my funds would not be available until XXXX. This is the most insane policy and processing time I have ever experienced with blatant lies stemming from their website. Discover Bank should not be allowed to hold funds for this time period without making it OBVIOUS that this is the case. Nowhere on the website does it state that your funds will be held for over 10 days. 

The bank says that they are " XXXX  FEE '' and the agents on the phone will emphasize this. However, it's not true and again -- lack of transparency! I was charged for ATM withdrawals even though they are " XXXX  FEE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: PA
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 have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.

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 2019-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house flooded in XXXX of XXXX. My house has been completely repaired as of XX/XX/XXXX. The mortgage company still has {$370.00} left but the Loss Draft Department will not release the balance to me because they arbitrarily are stating the repair is 90 % complete. {$370.00} on a $ 35,000+ estimate. That amount is a fraction of my mortgage payment. Managers will not call me back and they keep making me miss work to have inspection companies come out who keep giving different opinions on how much work is done, when my home is actually better off than it was before since everything was completed/upgraded. I just want my {$370.00} as I paid for every repair out of pocket and had to fight with them every single step of the way for any reimbursement. It doesn't make sense as to why they are holding this money when my repairs are complete and have been that way for over 8 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I terminated my Cable Service with XXXX XXXX in XX/XX/XXXX XXXX later contacted me to say that equipment related to the Cable service had not been returned. I provided the receipts for the returned equipment and heard nothing further from XXXX. This was documented by XXXX in XXXX  Case Number XXXX  and XXXX  Case Number XXXX.

On XX/XX/XXXX I was contacted by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX Reference Number : XXXX requesting payment of {$340.00} for XXXX Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I have heard nothing else from XXXX XXXX.

On XX/XX/XXXXI was contacted by AFNI 1XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AFNI Reference Number : XXXX requesting payment of {$340.00} for XXXX  Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I received another letter from AFNI on XX/XX/XXXX continuing to demand payment of {$340.00} It appears that XXXX  has sold this claim to debt collectors who seems to now be selling it to each other.

What steps do I need to take to end this harrasment?

I have all of the letter communication materials described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Specialized Loan Servicing Holdings LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS Account # XXXX My loan was recently transferred to SLS from XXXX as of XX/XX/XXXX When I received the notice ( received the date the note payment was due ) SLS said there was a payment past due, and the loan was one month in arrears. ( no sure notice came form XXXX previous to this ) I called and asked them what month, and at 1st she said XX/XX/XXXX .. I provided her with the Canceled check number for the XX/XX/XXXX payment, and her response was " well, I do n't know then, our records only go back to XX/XX/XXXX ; it must have been before that then '' I recently came out of a 5 year Chap XXXX BK which was satisfied and discharged in XX/XX/XXXX ; this would mean all payments were satisfied and the accounts current. 
I missed no payments during the 5 years nor since the discharge. SLS could care less and worse are unwilling to even review the case ... My payment is approx. {$3300.00} and I mailed my XX/XX/XXXX check for {$4000.00} requesting the additional to principle.. they cashed the check and their new XX/XX/XXXX statement said I am 2 months behind YIKES this is SCARY ... What are they doing with my money??. It is impossible to reach anyone there for a intelligent discussion. I requested 5 years of payment history from the previous servicer, XXXX and have this to send to SLS ... But, no idea where to send it ; How is it legal that there is no accounting and they can just say " you are behind but we have not idea when '' even though the courts and XXXX ageed the account was in full compliance? can someone call me please.

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 2018-03-18
Company: Innovis
State: OH
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:
I was checking my credit report and found that XXXX XXXX XXXX, CBCINNOVIS, and XXXX XXXX all did a hard pull in XX/XX/2017without my permission or knowledge. It will take two years  for this to be removed unless they each remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to delete their inaccurate reporting of the account XXXX XXXX XXXX even after I have provided them with factual documented proof. They keep verifying their investigations of my dispute based on hearsay. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.

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 2018-03-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following information XXXX XXXX is reporting on my Equifax and XXXX credit report is false and inaccurate. 

1. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$6700.00} by the Bankruptcy Trustee.

2. XXXX XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee.

3. XXXX XXXX is reporting the account as Transferred to recovery. This is not correct. This account was properly included in Chapter XXXX  filings and the Chapter XXXX   Bankruptcy was Discharged on XX/XX/2016.

4. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I first received a letter from " The Law Offices of Robert J. Colclough , III on XX/XX/XXXX stating that a judgement has been entered against me in regards to XXXX XXXX for the amount of {$18000.00}. I wrote to them to send me verification of this debt as I don't owe this or know anything about it. I sent them a current copy of my XXXX credit report dated XX/XX/XXXX. I received another notice on XX/XX/XXXX demanding payment in 5 days or they would initiate the EXECUTION PROCESS. I then filed a complaint with THE XXXX -XXXX XXXX XXXX ON XX/XX/XXXX. They tried to get a response from them to no avail so my case was closed. 
TODAY- XX/XX/XXXX I received a NEW LETTER FROM THE LAW OFFICES OF ROBERT J. COLOCLOGH , III FOR THE EXACT SAME THING, ONLY NOW, ITS FOR {$19000.00} and it is a different account # than the first letter and a different contact person!!

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 2018-12-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Company FCO submit in my credit an amount of {$7700.00}, I called and they said that I took a Rental House in XXXX XXXX  at XXXX XXXX in NJ, But I never live in U.S and I can prove that Im a XXXX XXXX and they do a complete background on my identity, I also received many letters from other Collector like XXXX, XXXX, etc for utility bill that I dont know.

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 2020-07-02
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XXXX FlagStar Mortgage added a {$30.00} Fax/Email fee to my mortgage with no explanation. They should not be able to add fees for no reason as I have always paid my mortgage in full on time and provided no explanation for the fee.

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 2019-09-30
Company: AMERICAN EXPRESS COMPANY
State: DE
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:
As of XX/XX/2019 XXXX XXXX XXXX has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still XXXX couldn't tell me why this is showing as an open account and that I am behind on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: LTD Financial Services, L.P.
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
LTD Financial has been very aggressive in trying to increase my monthly payments. I have already paid over half of the {$19000.00} loan down, so am not trying to get out of what I owe. However as a single parent with other student loan payments I am doing the best I can and have explained that I can not pay more than I currently am. The company, specifically employee XXXX XXXX, continues to call me. She has been rude, curt and aggressive, telling me what I am able to afford is not enough. This is causing a significant amount of stress. Currently I pay {$270.00} a month but have been told that I now HAVE to pay {$370.00} a month. When I asked why this amount, I was not given a reason.

Company response to consumer: Closed with explanation