BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: FL
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, 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 2022-07-14
Company: Experian Information Solutions Inc.
State: NY
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing determined on their on accord that my escrow account was under funded and are now suspending my mortgage payments and reporting to the credit agencies that I am not making my monthly payments. They did not provide any justification for the means of determining that my escrow account was underfunded. My tax payments and insurance payments continue to made out the escrow account as the balance remains positive. In early XX/XX/XXXX I was contacted by SLS and told that my payments were late and asking me to confirm when I would be making my mortgage payment. Upon logging into my account I determined that enough money remained in my escrow account to pay my taxes and insurance. My mortgage payment is setup as an automatic bill pay. I did not send an additional payment. I was contacted again at the end of XX/XX/XXXX by SLS to discuss the issue. I scheduled a meeting with a manager to get an explanation for the increase. The meeting was XXXX XXXX onXX/XX/XXXX. I did not receive a phone call from them. They continue to harass me on a regular basis. They claim they are collecting a debt, but refuse to explain the means for determining the funding requirements for my escrow account. SLS is currently the defendant in a class access law suit for trying to force people to buy their insurance. It is my opinion that they are a predatory lender trying to manufacture foreclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions 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:
At the end of XXXX XXXX, XXXX, and Experian all added a derogatory remark to my credit report each of them lowering my credit score considerably. I discovered that they have been including a report from XXXX XXXX XXXX  XXXX XXXX, IL. This item should not be on my report. The bill now belongs to XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX. This condition of the debt belonging to XXXX was adjudicated by the XXXX County District Court Judge as a part of our divorce decree and settlement. This document " State of Illinois in the circuit court of the XXXX  judicial circuit county of XXXX '' file number XXXX XXXX filed XX/XX/XXXX. In the settlement agreement item # 4 ; ..., agreeing to hold the other harmless from any debt, claims or related costs thereto. And item # 7 ; Petitioner shall pay te following debts of the marriage and shall hold Respondent harmless from same : ... Mortgage on XXXX XXXX, XXXX, Illinois, Mortgage on XXXX XXXX XXXX, XXXX, Illinois. 
I filed a dispute with XXXX  on XX/XX/XXXX. ( File # ; XXXX ) It seems that the reported delinquency was removed. However, it is difficult to get any information verifying actions. They initially lowered my credit score by 89 points. But the correction of data only raised my score by 22 points. 
XXXX  is similar as described above ( Confirmation # ; XXXX ). In this case my score was lowered by 113 points. But the score was not raised. 
I also contacted Experian. This organization did not show an indication of the XXXX XXXX XXXX  item on the report. However, they did lower my score. 
Further, as a result of the scores being lowered ( note that until this time my debt to credit availability has been steadily improving on an average of all credit ) XXXX credit card lowered my credit availability even though I was never late paying or short paying. This adjusted my debt to available credit rating to a lower state than it might have been.

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 2022-07-14
Company: Security Credit Services, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original debt was a loan from XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. 
The loan went into default and was sold to the collections company XXXX and XXXX with an open date of XXXX XXXX. 
The loan was sold at a unknown date and time, with no written notice, to Security Credit Services of XXXX, XXXX XXXX 
S.C.S. has changed the original open date to XXXX XXXX in violation of Fair Credit Reporting Act. 
I have not contacted S.C.S. out of concern they will restart the time and the negative impact would continue longer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Background I had an American Express Gold Card that I signed up in XXXXXXXX XXXX XXXXXXXX. Within a few months of signing up, I kept being bombarded with offers to upgrade to the Platinum Card for an extra XXXX points and {$150.00} statement credit. I made the move to upgrade my card in XXXX XXXX XXXX which is when this mess started. 

Amex uses vague language that says the reserve the right to take back any promotional offer if the card is downgraded within 12 months. It is not made clear which 12 months is specified. From what I understood of the rules, I could downgrade my card after 12 months of paid membership, whereas they define it as 12 months of receiving a promotional offer. This is never made clear to the consumer, and is buried in vague language on purpose to deceive the customer. 

Timeline XXXX : Upgraded to the Platinum Card from the American Express Gold card after months of being bombarded with ads to upgrade to the Platinum Card from the Gold card. I was looking for a card with lounge access and is the primary reason I chose to upgrade to the Platinum card. Few things were not explained to me in the offer : * It was not explained in detail that promotional points would be taken back if I downgraded the card within one year. The terms only says that Amex reserved the right to do so, not that it will. 
* It was not explained by Amex representatives that there another product, the XXXX XXXX Amex Platinum Card, that repays the annual fee. If I had known of this option, I would have never signed up for this promotional offer. 

XXXX : I requested a downgrade from the Platinum Card to the Gold since my year of paid membership was done. It was never explained to be that the promotional points would be taken back at this point. 

XXXX : I found out about the XXXX XXXX Platinum card, and singed up for this one instead. As a consumer, would I pay for a service that I can get for free? For the other platinum card, there were still benefits I wanted to use that I had already paid for via the annual fee for the year, so I waited until my year was up before canceling. 

XXXX : American Express took back the promotional offer of XXXX points and {$150.00} statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX says that my information does not appear but to sell my information and participate in identity theft there if they had my information in order now I do not appear anywhere

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 2017-10-17
Company: Ad Astra Recovery Services Inc
State: NV
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:
This Company is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet. I never received any information validating this is my debt. I have filed a complaint with Attorney General office, CFPB a BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They are reporting this on my credit report damaging it, Knowing that I do not owe this!!!!! It was discharged in bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
TD Bank / XXXX XXXX XXXX store credit account The online account service offered for looking up account information online and making payments does not offer an option for setting up monthly ACH payments that are MORE than just the minimum amount. Many companies appear to leave out this service. 

There website allows for making payments for the 1- minimum monthly payment, 2- payment in full, or 3- " other '' ( amount of your choosing ). However, when you choose the option for an AUTOmatic payment to be deducted, suddenly the option for choosing " other '' or any payment amount of your choosing is not allowed. I feel that that many credit companies do this purposefully so that the borrower can not pay down the debt faster in a convenient way. I have come across many companies doing this and then consumers are forced to make the payments by other means than by using convenient electronic debit services. Since electronic payment services are the norm in these modern times ( and I have been doing electronic banking since 2005 ), it seems inappropriate to lure consumers to the convenience of monthly ACH payments when there is no option for paying your debt faster. 
Why not introduce regulations ( or perhaps you can inform me if regs exist ) such that if an institution makes ACH available, that the option for making more than the minimum payment BY MEANS OF ACH must also be made available. 

I would like to know, do you have a list of which banks currently provide the option for making more than the minimum payment BY MEANS OF ACH automatic debit. I would like to only use these banks, as necessary, for any large credit purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: CASHCALL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received numerous calls & emails from CashCall ( the company ) to get loans. I needed the $ $ $ and I finally gave in and got into a financial situation ( 125 % ) interest and have been challenging the CashCall Inc. and finally they reduced the interest rate from 125 % to % 75. 

I was wondering if could get assistance from your organization to get a better interest rate from CashCall Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions 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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-09-12
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX The XXXX XXXX XXXX XXXX  XXXX Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Transunion : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to 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 explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: TX
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:
Equifax, XXXX  and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
FBCS keeps calling daily, sometimes multiple times a day. 
They call from multiple different numbers. 
This began months ago. 
I once took the call and as soon as they mentioned a debt collection, I interrupted that I do not own a debt to anyone, I have no written documentation I own a debt and no debt collection show on my credit report, so I thought it was a scam. 

And yet they repeatedly and repeatedly keep calling. No voice mail has ever been left from FBCS, from what I can recall. 
They have been calling for several months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Windham Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from Windham Professionals stating that they were licensed to collect debts in Minnesota and that they were seeking to collect a debt from the XXXX XXXX XXXX. The amount listed for collection in their letter was nearly 3x the amount which the Federal Government states that I owe. The StudentLoans.gov website lists this debt as {$1300.00}. Windham Professionals is attempting to collect approximately {$3400.00} from me.
When I went to Windham Professionals website ( www.windhampros.com ) I found that their online payment portal is nonfunctional ( https : //www.windhampros.com/makeapayment/ ) and only contains a redirect link offsite to the Dept. of Education. The redirect link directs to a dead webpage at the Dept. of Education. This dead link to the Dept. of Education is used throughout Windham 's website in lieu of actually providing information about customer 's loans. When I searched for Windham Professionals on the BBB.org they return an unusually high number of consumer complaints. Therefor I decided that to protect myself I needed to ensure that Windham Professionals is a legitimate servicer of my debt.
Having worked as a bill collector in the past I knew the process for this and sent them a letter on XX/XX/XXXXrequesting that they prove that the debt is legitimate, that they are authorized to collect it and proof that the amount they were attempting to collect is valid. I am legally entitled to this information per the FDCPA and stated so in the letter. Furthermore under the FDCPA they are required to cease collections attempts until they have provided me with this information. As of today XX/XX/XXXX I have still not received any documentation from Windham Professionals regarding this debt. They have continued to make attempts to contact me by calling me at two phone numbers and over social media at my XXXX account. They have violated the FDCPA in the following ways : 1. They have not responded to my Dispute letter in writing.
2. They have continued to make collections attempts after receiving my dispute letter.
3. They have provided no documentation regarding this debt.

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 2017-10-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My daughter was sued by a law firm representing XXXX. We hired an attorney, and 10 days before the four separate filed suits were to go to trial, XXXX 's lawyers non-suited them. There were statute of limitation issues and I am doubtful that XXXX could prove that they had a right to sue since they probably could not prove that they owned the loans. 

Now, XXXX has sent at least some of these loans to XXXX XXXX, XXXX, and they are actively attempting to collect. I personally received a phone call today, XX/XX/XXXX2017, from XXXX XXXX. They are also bothering my daughter. 

I thought this was the case : " The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX , XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all 800,000 student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. '' Seems to me that XXXX is already in violation of the CFPB order. Have they completed the independent audit?

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 2020-06-22
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to link my XXXX  account to my bank account and they blocked the access to the account preventing me from getting funding from XXXX  ap

Company response to consumer: Closed with explanation