BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXXNew Hampshire Revised Statutes Title XLVIII - CONVEYANCES AND MORTGAGES OF REALTY Chapter 478 - REGISTERS OF DEEDS Section 478:42 - Fraudulent Filings. 
Universal Citation : NH Rev Stat 478:42 ( XX/XX/XXXX) 478:42 Fraudulent Filings. 
I. A person may not knowingly present for filing or cause to be presented for filing in a registry or other public office, any type of document that fraudulently purports to be a judgment or other document to memorialize or evidence an act, order, directive, or process of creating a lien without having been authorized under state law, the Constitution, or the laws of the United States. 
II. For purposes of this section, a document or instrument that purports to create a lien on, assert a claim against, or assert an interest in, real or personal property, is presumed to be fraudulent if it : ( a ) Is not certified or ordered by a court or a judicial entity expressly created or established under the Constitution or the laws of this state or of the United States ; or ( b ) Is not a document or instrument provided for by the Constitution or the laws of this state or the United States. 
III. Nothing contained herein shall affect the validity of a mechanic 's or statutory lien created pursuant to state or federal law. 
IV. If a register of deeds or other public official believes in good faith that a document filed with the registry of deeds or other public office purports to create a lien that is fraudulent, the register or other public official shall index the document only under the signer of the document in the grantor index and shall identify the document as a notice in the document type. No other names appearing on the document shall be indexed. 
( a ) The register or other public official shall send a copy of such document to the county attorney for the county where the document was filed or to the New Hampshire attorney general 's office for review and possible prosecution. 
( b ) The county attorney or attorney general receiving a copy of a document under subparagraph ( a ) shall send a notice of the action taken under this paragraph to the person presenting or causing such filing by regular mail at his or her last known address no later than the next business day after such action. 
( c ) Any such document or instrument on file with the registry of deeds or other public office presumed to be fraudulent or deemed fraudulent as described in this section shall be considered invalid, void, and having no force or effect on any named person or persons named within the document or instrument. 
( d ) Any register of deeds or other public official acting in good faith pursuant to this chapter shall be immune from civil and criminal liability. 
V. Any person who knowingly files a document or instrument to fraudulently create a lien on real or personal property shall be guilty of a class B felony. 
Source. XX/XX/XXXX, 86:1, eff. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This is the history that was made to my account on XX/XX/XXXX I made a payment for {$430.00} and {$170.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$410.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$270.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$240.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$330.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$280.00} went to the interest. The interest was just extremely high it keep increasing every month. I had to leave this bank immediately. However all my payments were made and is in good standing. I would not recommend this bank to no one. I still have a large balance on this loan like I never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS COMPANY CONTACTED MY WORK AND MY CELL PHONE WHEN I INFORMED THEM TO CEASE AND DESIST. THIS A MEDICAL BILL THAT WAS OUTSOURCED TO A 3RD PARTY THAT IS UNCOLLECTIBLE DUE TO BEING INCLUDED IN A BK 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 2018-02-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have earned over 300,000 Membership Awards points with American Express. My current balance of points is XXXX. On XX/XX/2018 I attempted to redeem points for gift cards. I received a message saying " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called American Express on the XX/XX/XXXX to inquire and again today on XX/XX/XXXX. Today they told me it would be an additional XXXX weeks for my purchases to be analyzed. 

This is an unfair practice by American Express. I earned my points legitimately and now when trying to redeem are blocking me from doing so. I feel this is a bait and switch technique. American Express should release my points immediately or complete what should be a simple review within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: NCC Business Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Apartment complex upon exit at the end of my lease claimed that there was carpet damage " pet stain ''. They wanted me to pay {$350.00} for replacement. I disputed the charge and asked for evidence since I had not pet and there was never a pet in the apartment. The carpet was in the same condition as when I moved in 12 months prior. 

Without any further explanation or proof and with no consideration or response to my dispute letter, this was turned over to a collections agency. I again disputed the claim and asked the collections agency to allow the claim to be worked out between myself and the Apartment complex. I received no explanation nor any further correspondence. 

Subsequently, I received a notification in XX/XX/XXXXthat my credit rating had dropped around 100 points due to " bill collection ''. I am XXXX years old and working hard to build credit. A 100 point drop over a {$350.00} claim seems very drastic especially given the lack of response or respect for fair billing and fair collections. 

The Apartment complex is called Arbors at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Al. XXXX. That property appears to belong to XXXX XXXX ; address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

The collections agency is NCC Business Services , Inc. located at XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX ; phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAVALRY INVESTMENTS, LLC
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:
I wrote a letter to this company last XX/XX/XXXX requesting debt validation. To date, I have not received any validation document. I have requested debt validation for two accounts, Account 's XXXX and XXXX. Cavalry did reply ( please see attached copies ) last XX/XX/XXXX. On their letter, they are asking me to send documents to verify my claim. " I am the consumer and it is on their shoulders to provide proper debt validation ''. I have given them enough time to send me what the law requires. They still did not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: Paramount Recovery Systems, L.P.
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: Information belongs to someone else

Complaint:
I have tried to contact the company in regards to this complaint to no avail, I am trying to get this account removed from my credit report as I have no recollection that this visit to the hospital ever occured. I am just trying to get it taken off my report and have tried to even come to a settlement for a ( PFD ) '' Paid For Deletion '' even though I don't believe the account belongs to me however it is the last and ONLY negative account on my credit report and I wish to have it taken care of ASAP ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
My complaint is about Synchrony Bank not handling an identity theft situation properly for me. I have been a victim of identity theft for more than a year now, probably connected to an XXXX data breach. Unidentified people have opened or tried to open accounts under my name. So far I believe I have managed to close them all and worked with the companies deleting the accounts and the inquiries in my credit report. I have also established a fraud alert with the credit bureaus. 
But I still have 4 credit inquires for fraudulent applications showing in my XXXX credit report for accounts related to Synchrony Bank. I contacted telephonically Synchrony Bank several times for each of them, starting with the oldest one in XX/XX/XXXX ; they closed the accounts, that is true, but did not follow the process to delete the inquiries from the report like all the other companies did effectively. Every time, but the last one, they told me they will send documentation to the credit bureau to erase them in the report but nothing happened. I inquired them several times to send the letters or any documents to me so I could forward them to XXXX ; they assured me they will but I never received anything. I talked to XXXX two times to see if they can solve the issue from their side, but they told me they need the documentation from Synchrony Bank. In my last phone call to Synchrony Bank, on XX/XX/XXXX, a representative assured me that no record of any of those accounts or any of my calls was showing in the system. 
At the present day ( XX/XX/XXXX ), the 4 inquiries ( all due to fraudulent applications to accounts already closed ) are still showing in my Transunion 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-08-27
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a co-signer on my daughter 's student loan with Discover. She was trying in good faith to repay her loan. She has several loans with Discover and all in good standing except one. The one she had been communicating with them about, was in forbearance status and she was trying to avoid a Charge Off status and collections. She paid a large sum to show good faith and per conversations with Discover would avoid charge off. she continued to auto pay the loan at a level she could afford. She has arranged to repay the loan and is on a payment plan, but they will not remove charge off status. She has diligently placed her other loans with Discover on auto payment and is making regular monthly payments. She is trying hard to stay on top of repayment and is now in a position to consistently repay her loans. The interest rates are high due to her credit rating and the amortization periods short causing larger payments she is trying to fix her credit rating and it is making progress so that she can refinance to a better rate, longer repayment schedule, and lower monthly payments. But now with the charge off status, her credit is not eligible for refinance with many lenders. We feel Discover has misled us and she has tried her best to repay the loan they indicated was in forbearance. We would like them to reconsider the charge off status and allow us to continue to repay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXXL XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I previously disputed an item regarding XXXX that was fraudulently placed upon my XXXX  Equifax and XXXX  credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I previously disputed an item regarding Rise that was fraudulently placed upon my XXXX  XXXX  and Transunion credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on 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 2019-04-26
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XX/XX/2019 revoked there authorizations to Ach payments on my account. There Ach agreements are deceptive. They don't want to cancel your Ach, so they make it almost impossible to cancel. Telling you there has to be an alternative payment method before they can cancel. That's not true. By law you don't have to give this to them to cancel Ach. By law An Ach agreement is invalid if there's no way to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: The CMI Group, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Management LP is reporting a fraudulent account # XXXX on my credit files that I did not open. I have not received services, goods or money from this account. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. I applied for a credit card at XXXX XXXX XXXX on XX/XX/XXXX and was rejected because of XXXX negative accounts ; XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.

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 2018-09-24
Company: First Associates Loan Servicing LLC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX XXXX took out XXXX XXXX loans in access of {$40000.00} around XX/XX/2010, Interest as high as XXXX percent on one loan. XXXX wont work with me to offer lower payment options. I have used their forbearance period for all 3 loans.I pay over {$800.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: IL
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:
My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX I pay for the services of Lexington Law " Credit Repair '' in a effort to fix my life by the amount of {$120.00} - {$140.00} in a monthly basics and keep paying my current and last payments till XXXX, XXXX. 
But to my shame, I was mislead by what I know now is a Scam. 

# # # Crimes 1st Action I demanded the letters that was sent in my name to be sent to me via email, but instead they refused. 
Which is a violation of my rights. 

Why it's illegal The file that the attorney has created and maintained on my case is actually my property. 
Therefore it's my right to obtain those letters regardless if they want to or not. 

2rd False Advertising I haven't seen any documents and letters Indicating that thay have done anything as they Advertise " Credit Repair '' 3rd Breach- the attorney breached their duty towards you by being negligent, made a mistake or did not do what they were contracted to do # # # Conclusion I paid for 9 months for " Credit Repair ''. 
but with the denial of obtaining copies of letters sent in my name, from Lexington Law, and no letters were sent beforehand and afterward that directly tied to any positive action on my credit report. Indicating they haven't send any to begin with the whole time. 
and done nothing. 

It's high amount of evidence that this is a scam.

Company response to consumer: Closed with explanation