BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was not notified about the end of the promotional offer ... I went to pay it a few days later and was told that they added all the interest ... MORE THAN I owed!!! No effort to help me

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 monetary relief
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Some of my personal information is incorrect and needs to be corrected. I was a victim of fraud and still living the nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient has continuously attempted to collect a debt that I do not owe. This debt was originally owned by Sallie Mae and the Sallie Mae loan were deleted from my credit report. They can not collect a debt that hat been deleted by the original owner. I requested information concerning the original creditor and the original account number on XX/XX/2019. I have included a copy of that request and a copy of the promissory note showing the original creditor and a copy showing that It was deleted from my credit report. This has been ruining my credit. They are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On or about XX/XX/2022 I called Macys XXXX XXXX credit card customer service XXXX. I called to find out why my credit limit was lowered from 2500.00 to 1100.00 without giving me prior notice and the representative did not know why and he told me that I had to speak to the credit department. On the same day, XX/XX/2022 I informed the representative that I was going to file a Fair Credit Reporting Act violations complaint against Macys and he noted everything down. My macys creit card records show that I had made a payment of 2400.00 approximately 3 weeks earlier and I believe there is no reason for Macys to lower my credit limit damaging my reputation. 

On or about XX/XX/2022 I apoke to a representative at Macys Credit Department and they told me that due to my fico score the credit limit was lowered. I argued that no prior notice was provided and that I was going to file a complaint with the FCRA. I asked about my wife 's macys credit card limit and the representative told me everyting was good and that her credit limit was staying the same at 2000.00. Aproximately 3 weeks prior I had payed macys XXXX XXXX credit card 1800.00. 

On or about XX/XX/2022 upon checking online I noticed that Macys had also lowered my wife 's macys american express card limit from 2000.00 to 1000.00. I believe macy 's did tis in retaliation after I had informed that I was going to file a complaint based on Fair Credit Act violation with a federal agency. 

I believe their actions are illegal, discriminatory and very unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions 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:
I sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the 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 2021-09-20
Company: M&T BANK CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
M & T Bank has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with XXXX XXXX XXXX now XXXX XXXX XXXX , M & T were notified that the property attached to the loan was sold and closed out on XX/XX/2021. M & T continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. M & T suggested talking to XXXX. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At M & T I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At XXXX, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses M & T in the communication since I am sent back & forth between the two entities. The resolution is simple. M & T accept the payoff from funds received at closing on XX/XX/2021, XXXX out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and 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 2021-10-26
Company: Experian Information Solutions Inc.
State: MN
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:
I have a mortgage through XXXX. I am not late on this account and never have been. Loan origination date is XX/XX/XXXX. I filed bankruptcy a few years ago and it was discharged in XX/XX/XXXX. 

When the bankruptcy was discharged, XXXX stopped reporting my payments on the mortgage to the credit bureaus and has set the status of the mortgage account to closed. Consequently, I am not getting 'credited ' on my FICA score because this account shows as closed rather than being open, current, and never late. 

I've tried to get XXXX to report this mortgage to the credit bureaus and they have refused. I've asked several times, written them three times, my bankruptcy attorney provided documentation to XXXX about the discharge and yet, XXXX continues to refuse to report this activity. 

This is creating obvious issues with FICA scores as well as ongoing finance health. 

I've attached copies of the discharge from XX/XX/XXXX and the latest mortgage loan statement. 

Can something be done about this?

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 2020-11-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: MI
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 submitted complaint XXXX regarding Experian reporting a past due account with a XXXX XXXX that I have no knowledge of or authorize. Experian states they investigated the account and have determined the account to be legitimate. After the initial dispute, I again disputed the account and requested an original signed application, billing statements and method used to validate the debt on the original dispute. Experian then sent me another letter REFUSING to investigate the issue any further but, answered the CFPB complaint saying they reinvestigated the account. The account is not legitimate, is showing on my credit report and has caused my score to drastically drop preventing me from refinancing my home. I need Experian to remove the account. I have attempted to file a police report but, without knowing who opened the account, I can not prove a crime has been committed- it is a records error at this point! Please help

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 2022-03-12
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-10-31
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ABILITY RECOVERY SERVICE PO BOX XXXX XXXX, PA XXXX ( XXXX ) XXXX REPEATED HARASSMENT. HAVE WRONG PERSON. I LIVE IN XXXX. NEVER WENT TO XXXX XXXX HOSPITAL IN XXXX. NOW SHOWS ON CREDIT XXXX. I NEVER ADMITTED TO OWING ANYTHING. I TOLD THEM I THINK YOU HAVE WRONG PERSON. 

SHE LIED SAID I CALLED THEM. IF I CALLED THEM IT WAS TO FIND OUT WHO CALLED ME AND CALLED THEM BACK. IF IT WAS COLLECTIONS. I WOULD HAVE NOT SPOKE WITH ANYONE. 

THEY THREATENED TO RUIN MY CREDIT AND CALLED ME BEFORE XXXX ON XXXX. HAPPY XXXX TO ME AND MY FAMILY. 

XXXX/XXXX/XXXX - XXXX received threatening call that I owe money and I have to pay XXXX $ today. If not I am going to ruin my credit is what they told me. I told them I think you are mistaken me for someone else. I have always had insurance. 

They said back in XXXX I had been to ER at XXXX XXXX XXXX. I do not remember this. Never got anything in mail. I live in XXXX in XXXX. 

They said I called them and now it is showing on credit report they reinstated it XXXX. 

I keep getting harassing calls. XXXX is the number. Shows them calling me right before XXXX XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 asking for CFPB employees to assist in getting to the bottom of this wrong information that could lead to the stealing of my loan3 dated XXXX from XXXX  mortgage and my property XXXX XXXX XXXX XXXX, mi XXXX. Under file number of transunion XXXX dated XX/XX/XXXX. That there was some kind of business that hit my credit from XXXX XXXX ( not me ) and I believe it was scam XXXX XXXX XXXX came and ask me to move out in XX/XX/XXXX and possibly using my name and this action came up XX/XX/XXXX on my credit report. 

Shows an written authorization on XX/XX/XXXX taken place under XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ca XXXX XXXX XXXX. 

Please look into this because when I brought this up to XXXX XXXX attorney XXXX XXXX XXXX that this was his client using my name he did not deny it and just said he had nothing to do with that.

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 2018-10-01
Company: Community Health Investment Company, LLC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX sent me a debt collection letter. I received this letter on XX/XX/2018. On the same day, I responded and asked the collection agency to validate the debt and provide HIPAA authorization. On XX/XX/2018, I received another letter dated XX/XX/2018 from the collection agency. The letter states that the collection agency has verified the charges with the original creditor and includes an itemized billing. The collection agency failed to validate the debt pursuant to the FDCPA or provide any agreement with the original creditor that would grant the authority to collect the alleged debt. The collection agency failed to provide a copy of my signature with the provider of service to release my medical information to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have recieved several notices for this debt and paid them by letter each time. I would recieve another a month later saying it wasnt paid. I recieved a " Final Notice '' in febuary and paid it over the phone on XXXX XXXX with the them. Now it has been reported to you despite me paying it 4 separate times because they dont have a website I used the letter envelope they provided. The last time I spoke with them directly on the phone and settled this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I got a credit from XXXX  in the amount of XXXX dollars and the merchant and merchants bank told me they released the funds to my bank and my bank wont take off the hold so my bank has stolen my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent my 2nd letter to southern credit recovery on XX/XX/2020, they did not respond to my first letter from XXXX XXXX, and it is not marked as disputed on XXXX as has been over the 30 days allowed by law.so i am asking it be deleted before i consult with an Attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX  # XXXX and XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: WELLS FARGO & COMPANY
State: FL
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 customer service

Complaint:
On XX/XX/2019, I got a cashier check from my Credit Union in the amount of {$2300.00} to my credit card company - XXXX XXXX. Somehow Wells Fargo Bank got hold of the check and cashed it. There was not any information on the check pertaining to Wells Fargo, but the check was cashed. I have tried several times in phone calls to get the money returned. I have been told that Wells Fargo handles credit cards accounts for XXXX XXXX but XXXX XXXX personnel told me they are an independent bank. Wells Fargo Bank said that I had to go to my bank or to XXXX XXXX for assistance. But they told me that it is Wells Fargo Bank 's responsibility because they cashed the check that was not written to them. Still, they refused and my bank has tried and sent a request but Wells Fargo Bank Have not responded or acknowledged they received the 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 monetary relief
Consumer complaint received 2017-10-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
( j.p.morgan chase ) not professional or correct to capitalize their banks name. Violation of my individual due process in banking errors. ( j.p.morgan chase ) Failed J.P. Morgan Chase also in former complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
I bought my XXXX XXXX XXXX in XXXX XXXX for XXXX. I got my car finance through Santander Consumer USA. Ive had my car for XXXX and their still telling me I owe them XXXX for the car. They have been a Nightmare!!! The put insurance on the car that I didnt want and they said they 'll put it at the end of the loan. They 've Repossessed ny car 2 times and Ive gotton it back and they charged me excessive fees. I would like to get my titled to the car but their telling my I still owe XXXX which is more than the car cost. I didnt sign up for a XXXX XXXX XXXX XXXX I cant afford to give them any more money its been XXXX. I deserve my title to my car. 

Thanks in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 
(XXXX) 3XXXX XXXX 

THIS COMPANY IS NOT APPROVED BY THE BBB.., IT STARTED OF XXXX XXXX,2017 FOR $XXXX INTO MY DEBIT LAST FRIDAY.  THEY ARE WELL KNOWN FOR A 280% INTEREST.., I FILED A BBB ON SUNDAY.  THEY THINK THEY CAN HELP THEMSELVES WITH THE AMOUNT OF MONEY REMOVED EVERY MONTH.., THEY WILL NOT BE HELPING THEMSELVES WITH ABOVE. ON MONDAY OF THIS WEEK, I HAD TO CALL, LOAN# XXXX. CUSTOMER#XXXX.
I RECOMMEND LOOKING THEIR BBB.ORG WEBSITE.

THEY WANTED TITLE OF CAR AS COLLATERAL WHICH THEY DID NOT RECEIVE.

YESTERDAY, I RECEIVED A CALL THAT WERE OFFERING LOANS. ESSENTIALLY THIS A RIPOFF.

RESPECTFULLY, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: NC
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 personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report.

Company response to consumer: Closed with explanation