BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: Affiliated Management Services
State: KS
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 XXXX XXXX, 2021, AFFILIATED MANAGEMEN add a derogatory mark on my credit reports. AFFILIATED MANAGEMEN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
in accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentaily under 15 usc 1681.i told XXXX XXXX and XXXX  to reinvestigate these accounts XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 u.s.c 1681 section 602A. states i have the right to privacy.15 u.s.c 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.15u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the folling items of information any other than records of convictions of crimes which antedates the report by more than XXXX XXXX15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Also they arent even in compliance with XXXX XXXX credit reporting.I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for home loan with AmeriSave Mortgage on XXXX of XXXX. 

Loan Application number is XXXX XXXX is demanding a non refundable loan processing fee of XXXX XXXX XXXX XXXX XXXX ] before they can process my application. They already have run and extracted my credit report which has hit my score. By demanding fee upront they are stopping an applicant from shopping for loans from other sources and this is illegal. 

See this judgement : https : XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XX/XX/XXXXbut they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

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 2021-03-26
Company: EQUIFAX, INC.
State: NY
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:
yes i have contacted this company to have the wrong inforamtion they are reporting removed from my account and yet it is still showing well after the time frame that was allotted for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TIDEWATER FINANCE COMPANY, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The last statement I received from the company was XX/XX/XXXX and it indicated that the loan balance was {$610.00} with a payment due of {$310.00}. I made my XXXX payment on the XXXX. Which would have made my remaining balance due for XXXX {$300.00}. I paid my next payment on XX/XX/XXXX. I never received a statement for the month of XXXX. I called on XX/XX/XXXX to ask when title paperwork would be mailed and was told I owed more money. I asked at the time for a statement to be mailed because I never received one. I was informed one would be sent. I called back on XX/XX/XXXX because I still hadn't received a statement and was told again that I owed more money and that a statement would be mailed. At that time I spoke with a supervisor named XXXX who told me he would look into it and call me back. I called back on XX/XX/XXXX, still no statements, no call back and was told they were still looking into it. I call back on the XXXX, was placed on hold while the customer service person said she talked to XXXX and their was no new information but that I should get a statement for XXXX. I call back on XX/XX/XXXX after still not getting a call back or statement or title and speak to manager named XXXX. She tells me that they are still reviewing my account. That brings me to today XX/XX/XXXX. I received a call from someone named XXXX who said she was a assistant manager and that my statements were turned off on my account and she was going to email me an account history and she didn't know why I didn't receive any statements the last few months or why my account was reported to the credit bureaus as paid in full. I made my last payment XX/XX/XXXX. I want my title paperwork. I reaffirmed on my loan and continued making payments. Now my car should be paid off and they won't give me my title paperwork or prove that I owe more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: KS
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 numerous attempts to rectify this issue experian willfully continues to violate the law they refuse to remove invalid information and refuse to comply with the requirements of the FCRA. Experian received my letter highlighting the violations of my rights and invoice for payment on XX/XX/2023 by XXXX certified mail XXXX XXXXXXXX cfpb report XXXX XXXX was met with a Generic Pre populated message that doesnt address any of the issues discussed.

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 2018-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello. My card ends in XXXX. The account was closed bc of a fraud alert by my three major reporting agencies. This was a secured credit card which was funded directly as an ACH transfer of funds ( XXXX  ) Ive never used the card and it has a XXXX   balance. I was never notified that the account was close and it was embarrassing to experience a decline. I called and spoke with a senior manager of escalations within the fraud department named XXXX. employee id XXXX the call took place on XX/XX/18 around XXXX EST. She wasnt able to let me know when the refund would occur or what process it was going to occur. Im extremely dis satisfied with the outcome of this company and promise to never continue doing business with your brand again! You could have just asked for verification of my identity if there was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-02-27
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX 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 2018-08-27
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX hospital and XXXX XXXX didn't fill out the paperwork for the insurance correct I have been XXXX  10 years and have Medicaid and Medicare and Medicaid I don't owe anything for the bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MO
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 am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX  Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Associated Credit Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Sold home in XXXX 2. never received electric bill ( even though electric co. says bill was not returned ) XXXX. electric co. sends bill to collections 4. collection co. states it attempted to call me but does not leave messages ( I do not answer phone from unrecognized numbers ) 5. collections co. states it sent me a notice ( I did not receive any invoices/bills ) 6. collection co. admits to sending amount owed/invoice to wrong address but that they resolved and sent to correct address ( never received ) 7. I contact electric co. and pay outstanding bill for {$120.00} when notified by XXXX of an issue 8. I am notified by collection co. debt owed is {$320.00} which I pay ( disparity? ) 9. My personal credit history is of NEVER having been late on payments 10. credit score nose dives from XXXX to XXXX over {$120.00}????????????????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Continental Services Group, Inc. d/b/a ConServe
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On July 17 I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On XX/XX/XXXX I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Discover XXXX XXXX several times throughout my time with them about payment plans, how my payments are getting applied, etc. They do recommend doing the payment into a forbearance program, but this would increase my rates and i would need to pay more in the long run, which I do not want to do. I applied to get my loans consolidated to lower my payments by a couple XXXX dollars. I currently am paying almost $ XXXX, and struggle to do so. I have XXXX children, rent, and babysitter that i have to also pay for. After applying and passing all the requirements except the debt-to-income ratio, I was denied. My credit score is excellent. So, I am currently back at where i started struggling to make ends meet. They made no efforts to help me during the COVID-19 pandemic either. I have only been late on my payments once in the last 4-5 years, and it was only by a week. I have tried to go to different companies to refinance my loans, but I get that discover is to difficult to work with because they are a private loan company. If Discover would have disclosed qualifying criteria and pre-qualifications, I would have never went through Discover XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CrossCountry Mortgage LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We had some hardships between COVID and some medical issues. The value of our home is substantially more they what is owed on the home. Value is {$210000.00} we owe {$130000.00}. We have requested to have our PMI removed which would lower our monthly payment which would help us with being able to make the mortgage payments but the mortgage company is refusing. We have medical bills to pay and we are also adding more equity into the home by adding another bathroom and bedroom. We really would like the PMI removed to lower our monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX To whom it may concern, Re : Discrepancies in billing and credit reporting by Comenity Bank I am writing to formally address a concerning matter regarding my account with Comenity Bank linked to my transactions with XXXX. In XX/XX/XXXX, I made a purchase of {$100.00} from XXXX. Immediately after receiving the purchase, I returned the items and awaited my refund. Instead of receiving a refund, I was charged interest and non-payment fees by Comenity Bank. I became aware of these unjust charges in XX/XX/XXXX when Comenity Bank posted a payment exceeding {$200.00}, despite not having made any additional purchases from XXXX. 

Upon contacting XXXX, they confirmed that my refund had been sent to Comenity Bank and even provided me with a statement to this effect. Despite XXXX 's affirmation, Comenity Bank failed to process my refund and continued to add unjustified interest to my account. 

I took my concerns to the XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint ( ID XXXX ) against Comenity Bank on XX/XX/XXXX. Instead of a rightful resolution from Comenity Bank, they added further injury by reporting delinquency to XXXX on XX/XX/XXXX, resulting in an unjustified decrease in my credit score. 

The letter I received from Comenity Bank dated XX/XX/XXXX, contained several inaccuracies, with a final statement saying I owe an amount of {$30.00}. Wanting to put this matter to rest, I paid the stated amount, hoping it would end my association with Comenity Bank. Contrary to my expectations, I am still receiving statements from Comenity Bank indicating that I owe {$71.00} and claiming I have an active account with XXXX, as of XX/XX/XXXX even though my account was closed and fully paid off. 
I have always prided myself on maintaining an exemplary credit record, and it is deeply distressing to see it tarnished due to no fault of my own. I implore the relevant agencies to thoroughly review my credit history and contrast it with this singular unfortunate experience with Comenity Bank. 

.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
TD Bank USA/Target Credit XXXX XXXX XXXX XXXX MN XXXX Ph : ( XXXX ) XXXX Acct # XXXX Date Opened : XX/XX/XXXX Address ID # XXXX Credit Limit : XXXX Status : Account Charged off. XXXX $ written off. Past due of XX/XX/XXXX. 

Dispute processed in XX/XX/XXXX. 

Notes : Target said that it issued a credit card to me, but admits to sent it to wrong address. They charged the credit as unpaid collection account as seen in my XXXX XXXX Report. 

Target has proved to be deceitful in presuming that it does the right thing destroying customer credit reports. Due to this, I have to face a steep penalty of not getting home loans due to the company 's negligence. 

I request your kind attention to penalize Target for ruining my credit report. I also seek punitive damages from Target, for the trouble caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Right after XXXX, I was attempting to Re instate my mortgage with a deferral agreement with shell point mtg. I agreed to the Deferral Agreement in XX/XX/2021, and was obligated to pay {$12000.00}. I was in constant communication with the lender. as I was waiting for funds to come in, which happened XXXX XX/XX/2021. XXXX XX/XX/2021, Shellpoint served me with Foreclosure Paperwork. I began the Deferral Agreement, and I have not missed a payment since. The issue is the Bank wants to charge me, over {$5000.00} in legal fees, {$990.00} in other fees, and a Monthly payment of {$4200.00}. Its over {$11000.00}. They should have never done that. How can I get that removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX all accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.

Company response to consumer: Closed with explanation