BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MY SON, XXXX XXXX XXXX MEDICAL BILL TO XXXX XXXX XXXX WAS PAID IN FULL THROUGH INSURANCE COMPANY AND BALANCE PAID BY US, PARENTS, ON XX/XX/19 VIA CHECK. I SENT A COPY OF CHECK TO COLLECTIONS AGENCY TWICE AND TO XXXX BILLING AS WELL. STILL RECIEVING CALLS FROM COLLECTION AGENCY CMRE. I HAVE ATTEMPTED TO RESOLVE THIS WITH THEM AND EMAILED SEVERAL COPIES OF CHECK THAT WAS GIVEN TO XXXX BEFORE TURNED OVER TO CMRE. THEY DENY RECIEVING EMAILS AND REFUSE TO TALK TO ME AS MY SON IS XXXX YEARS OLD. HE IS ON OUR INSURANCE AND WE PAID BILL. NEED HELP RESOLVING THIS ISSUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Delta Management Associates, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Delta Management began calling me at my work number, demanding I provide PII ( personal identifying information ). I repeatedly refused, as they would not provide their purpose or authorization to possess such information. Later I went to their website, and seeing they are a debt collector, I feared I must have been a victim of identity theft or mistaken identity. 

2. Delta Management faxed my employer, demanding they confirm salary information for a XXXX XXXX. 

3. Delta continued calling me at my work number. I avoided their calls, but read up on how to handle debt collectors. My credit report is clean, which implied I was n't the victim of identity theft. I froze my credit. I am certain I have no delinquent debt ( all reported debt on my credit statement is as expected ). 

3. Finally, I called back the number they left and recorded our call. They said they would not continue to call me. 

4. A month later, Delta sent my employer a letter demanding they garnish my wages. This time they reveal the SSN and address of the debtor. The SSN and address are not and never were mine.

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 2021-02-08
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 MRS Associates reported a bad debt of {$560.00} to credit bureaus that is adversely affecting my credit. They did this even though this debt has been resolved and was not mine to begin with and they did this without the courtesy of a letter of phone call to me. They are acting on behalf of their client, XXXX, re : a cable bill. I have all of the documentation to back up why I do not owe XXXX a XXXX and how this debt had already been adjudicated in the past. In fact, MRS already knew this debt was nonsense and still did this to me. This feels like criminal behavior on the part of MRS Associates and I am furious that a company so dishonest as them can effect the credit of a person who pays their bills. I have contacted them on their website and email address 5 days ago but have still not received a response. In the meantime, my credit suffers because of these negligent clowns.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXaccount ending XXXX XXXX XXXX XXXXaccount ending # XXXX, XXXX XXXX  XXXXaccount ending # XXXX, XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX-account ending 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-09-21
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2020-12-01
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX ID # XXXX ( XXXX ) XXXX XXXX The Loan Oficer ( XXXX XXXX XXXX under the license NMLS ID # XXXX, the person was rude, without professional ethics, I treat myself badly, does not answer calls, does not answer messages, does not answer emails, And the few times he returned calls, he did it late at night, he treats me like he's doing me a favor, two days before my closing, she left on vacation, she moved the closing date and never said anything, I found the information after looking for her everywhere, after finding with several buyers of the same project, it was the same behavior with all,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
On my XXXX credit report there is an open American Express account with an outstanding balance of XXXX dollars which i have no idea what this is, i called American Express and they said i dont have any open accounts with that amount, i have never received anything on the mail or by email, i opened a dispute with XXXX and they said the information is accurate but American Express does not see anything in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Regarding complaint numberXXXX. The company did not address the main issue : How can you lower the credit limit for all of the reasons you give and then, after the promotional period is over ; raise the credit limit back up again because on payment was made? The referenced complaint pointed out that you raised the credit limit in the past when the income was lower than it is when you decided to lower it. Your letter raising it says after making " payments '', I only made one payment. 

The credit limit was lowered after I initiated a transaction that would have qualified for the no fee " pay-it '' promotion. That is why the credit limit was lowered and that is why, once the promotion expired ; you raised it back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: SUNTRUST BANKS, INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On or about XX/XX/2018, I paid my monthly bill through Suntrust Bank, acct # XXXX. My rental check of {$1500.00} that I requested was never sent to my rental agent, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; therefore, XXXX XXXX XXXX began a small claim ( approximately {$220.00} ) against me for none payment of rent for XXXX. I had asked for the check to be mailed by XX/XX/2018. After the XXXX county sheriff put a summons on my door XX/XX/2018, I paid XXXX XXXX XXXX {$1800.00} ( rent plus the cost of court. ) On or about XX/XX/2018, XXXX XXXX XXXX sent me my lost check. The company said a XXXX XXXX found the check included in his accounts receivables. He then took it upon himself to deliver the check to the intended company. 

The company that Suntrust uses for Billpay is actually unknown to me, and they won't divulge the name. I believe the company is XXXX, located in Florida. .1. I made a claim for the Billpay company to refund my {$220.00} ; they never replied to me ; however they wrote in my file that I supplied them with an incorrect mailing address for XXXX XXXX XXXX. That accusation is incorrect. That company had paid to that same address for the three previous months without any incident. 2. The Billpay company owes me a written response.

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 2021-07-15
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a mortgage refinance in XX/XX/2020 with a company called XXXX XXXX  XXXX. At the time, XXXX partnered with American Express to offer a {$2500.00} statement credit to anyone who applied through their special link and closed on a home loan or refinance. The terms of the offer stated that the statement credit would show up in the customer 's American Express account XXXX weeks after the loan closed. 

My home mortgage refinance closed on Saturday XX/XX/2020. I patiently waited for my the {$2500.00} statement credit that both companies promised to me but I did inquire several times as to the status of the credit, just to make sure things were on track. At each point in time I was assured I would receive my credit and that it was attached to my account. 

Almost 11 weeks after my refinance closed, I sent an email to XXXX ( on Friday XX/XX/2020 ). I received a response 3 days later, on Monday XX/XX/2020 stating that statement credit that was originally supposed to take XXXX weeks to post would take another XXXX weeks ( total of XXXX weeks, which is after the promised timeframe of the offer ). 

After waiting almost another 2 weeks, I again inquired by email with XXXX on Saturday XX/XX/2020 since it had now been XXXX weeks since my refinance closed. I once again had to wait, this time for 2 days, for a response. The response I received today ( Monday XX/XX/2020 ) from XXXX was that the credit would take an ADDITIONAL XXXX weeks, therefore putting the timeframe in which I receive my credit at XXXX weeks after my loan closed. I had also called American Express and was told the same timeframe ( i.e. each company would not abide by the terms of their joint offer to consumers ). The original terms of the offer were XXXX weeks. That means IF everything is on time this time ( which hasn't been the case so far with these companies ) I will have ended up having to wait XXXX weeks longer than the offer timeframe that I agreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Bread Financial Holdings, 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 belongs to someone else

Complaint:
Comenity Bank This account continues to appear on my XXXX Credit Report. It is not my account. 

This account is in someone else 's name. The name its under is XXXX XXXX. My name is XXXX XXXX I've tried to sort this out with the company and with credit bureaus and XXXX and XXXX have removed this account from my credit bureaus but XXXX and Comenity Bank have still continued on. 

I am asking kindly, for the removal of this invalid account from my credit reports. All of them ... this includes XXXX. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: Exeter Finance Corp.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Both Exeter Finance and XXXX XXXX XXXX, pursued a judgement against me in XXXX XXXX, XXXX, The judgement was n't granted due to : No payment was made from me since XXXX and I acknowledge this in court and the statute of limitations ran out for both companies to pursue a judgement. On my credit report it was dated that Exeter were remove its account in XXXX XXXX, because the 6-7 year reporting time were expired, so far both companies have reported illegally that I 've made payments since XXXX & XXXX, this is n't true and I would like both accounts removed off my credit immediately. Or, I 'm suing them and the credit bureau for consisted inaccuracies, out dated information. I also have documentation from the judge. Thank you, Please Help Me Put An End To This

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act XXXXXXXX XXXX listed below has violated my civil rights. List of accounts that need to be removed asap : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : 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 2018-07-27
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: Information belongs to someone else

Complaint:
I have tried numerous times to to work with Equifax to have fraudulent student loans removed from my report to no avail. On or around XX/XX/XXXX, i reached out to Equifax to inform them of fraudulent student loans which are appearing on my credit file. They still have not removed the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address shown is not mine nor was it ever, I have requested this be removed but it still appears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: MOHELA
State: PA
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:
Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This judgment has been on my credit report since 2017 I've tried to resolve the issue by calling the apartment complex trying to resolve the debt they no longer have my original file and said that they could not give me any information that it was already sold to the collection company, I said so how do I order the debt if you can't give me my own information nor could you give me the collection company that you sold it to information in order for me to resolve the issue I was only one month behind and they have a debt on here of {$6000.00} when I was only paying {$850.00} a month I do not think the charges are valid nor do I all the debt to the apartment complex they were also very unprofessional and acted as if they didn't want to help me to resolve the issue or tell me why the debt is so high when I was only paying {$850.00} a month when I was evicted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
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:
Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Report No : XXXX Unique Transaction ID : XXXX Report Created : XX/XX/XXXX I have received my latest credit report ( attached ) from the above company and I found my account information incorrect. My XXXX Personal Loan Account No. XXXX is closed in XX/XX/XXXX. The closure letter is also attached. But till date in my credit report the same account is showing open with an outstanding amount. That is effecting my credit score. I have already reported the same to Experian and received a Reference No. XXXX on XX/XX/XXXX. But not yet received any resolution to the same. 
Also for the other accounts listed in credit report, the current balance part is not updated. 
The whole thing shows a wrong picture about me to the banks and is not good for my financial aspect.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a credit monitoring service called XXXX that monitors my service. On my last credit report, the following addresses are still associated with my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived at these addresses. They belong to either my ex-wife or somebody else. 

I have attempted to remove these addresses numerous times with all three credit reporting agencies and have had my complaints closed because I have made previous complaints. Yet, the addresses still remain on my report. 

I do not consider this a duplicate complaint submittal until the addresses above have been removed from my credit report. 

Please remove all three addresses listed above.

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 2022-12-27
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX I seen a XXXX ad that said apply for a secured card with no hard credit inquiry I fill it out then it directed me to the application then I get denied and a hard inquiry on my credit I called an ask what happen they said I did a application I told them I filled out the one for soft inquiries and it directed me to the application process so I was thinking I got approved but they said theres nothing they can do about removing the inquiry

Company response to consumer: Closed with explanation