BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, XXXX, on XXXX/XXXX/15, that Discover used to decrease my credit limit. I contacted Discover on XXXX/XXXX/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately {$1300.00} to {$200.00}, which was alarming because I had not used the card in weeks, since making a payment of {$1200.00} to the account. I was informed by XXXX that a credit card utilization review of my account had been completed, based on information from XXXX, and it was decided to decrease my limit from the {$5200.00} to {$4000.00}. Be advised, Discover, without my request or knowledge had just recently increased my credit limit to the {$5200.00} from the original limit of {$4500.00}. I contacted XXXX and was informed that the full cycle has not yet cycled on my report, as the lastest creditor reporting was XXXX/XXXX/15, which meant that said creditors may not report again, until after 30 days. I have consistently and timely, made my monthly payments, often times, more than the monthly payment amount, with this company. I do n't think it is fair to me, the consumer, who has been nothing, but exemplary in my payment history to have my credit limit, first increased, then decreased further than my original limit without any telephone contact, not the letter that I was informed I would be receiving, but to date have not. Had Discover taken the time to communicate with me, by phone, before making such a drastic decision that will further impact the same credit card utilization in which they are basing their decision, they would have been advised and provided proof, upon their request, that in XX/XX/XXXX, specifically XX/XX/2015, I paid off a {$6000.00}, credit line with XXXX XXXX, a {$7000.00} personal loan with XXXX XXXX, a {$500.00} line of credit with XXXX XXXX XXXX XXXX ( XXXX ), ( formerly XXXX XXXX XXXX XXXX ), a {$6000.00} personal loan with XXXX, paid off my credit cards with XXXX XXXX and XXXX, all, which have not yet reported for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022, I requested an investigation on a late payment for the account, XXXX XXXX XXXX XXXX. The results came back with the Payment History being corrected and updated to no late payments but the Payment Status still reflects negative. In XX/XX/2022, I contacted via a Certified Letter indicating the Payment Status was still reporting inaccurately. Equifax refuses to correct and update the Payment Status for the account XXXX XXXX XXXX The Payment History has been updated to no late payments but the Payment Status is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was previously deleted from my credit report on XXXX XXXX by XXXX after fraud affidavit filed with XXXX and the FTC. This is not my account and I demand that the account be deleted from my credit reports. 

STELLAR RECOVERY INC . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-03-17
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Started a loan with us bank on XX/XX/XXXX no documents were requested regarding said loan until XX/XX/XXXX after my offer was accepted on a property on XX/XX/XXXX. Throughout the process there has been a lack of communication regarding my loan and documents needed. My original loan officer XXXX XXXX actually resigned during the middle of this process and it was handed to a manager by the name of XXXX XXXX ( phone XXXX ). XXXX has been extremely slow to communicate throughout the process, communication from him is typically after business house between the hours of XXXX. With the delay in information my closing was set for XX/XX/XXXX which has been pushed back multiple times and now leaves the sellers of the house potential being XXXX  as their buyer is no longer willing to extended the contract on their home to purchase. I can supply emails and text treads throughout this process to show of the delays. My loan officer XXXX  fore refuses to call me or ask for any information, she speaks to third parties and not myself directly. This case has caused me to miss numerous hours of work as well as pain and suffering from miscommunication

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 2016-05-16
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone had opened an account with XXXX several years ago. I have never had an account with XXXX. I have always used XXXX or my local cable company. I had disputed this debt 2 or 3 years ago and it was removed. Now I find that it is back again. I was able to find out that this account is in a XXXX name. I do n't know who this person is and I do n't know how my information was used to obtain this account in the first place. I called XXXX XXXX myself several years ago when this first appeared on my credit report and they could find no record of me in their system. My credit score was actually starting to improve and I was in the process of buying a new home but now I 'm worried this debt will affect the outcome of me getting the home. Once again, I HAVE NEVER HAD AN ACCOUNT WITH XXXX.EVER! I want it removed and stay 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 2015-11-10
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is 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 2016-01-18
Company: Professional Recovery Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received numerous calls from this number they leave voice message that this is a debt collection company for me to return the call. They do not identify or call the name of the person they are calling for. Looked up the number on the Internet it appears to be a scam. I do not have any outstanding debt for a collector to be calling me. Please advise this company to stop the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 mortgages with the same company ; but, they have different offices which service the loan. One office is in compliance with all requirements, while the other has not sent a monthly statement in 5 months and has not sent a year-end statement of interest.

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 2016-02-15
Company: Comerica
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/16, my XXXX XXXX benefits in the amount was STOLEN by someone using my personal information. Direct Express changed by address on XXXX/XXXX/16 at XXXX XXXX. to an address in XXXX, XXXX. I 've never been nor lived in XXXX, XXXX. XXXX seperate trips were made to an ATM in XXXX XXXX, XXXX and my account was DRAINED. I 've been back and forth witth Direct Express on NUMEROUS occassions to no avail. XXXX/XXXX/16, I went to SSA and did the XXXX. process required by Direct Express. When I called Direct Express back on XX/XX/1216, they said SSA had n't given them the information. I know that 's not true because the CSR at SSA did it while I was at her window. Direct Express is n't a reputable company to handle people 's SSA benefits. They 're not XXXX accredited, have a F rating and over XXXX complaints on XXXX. Direct Express has a vast history of fraudulent activity regarding SSI and XXXX benefits. I 've filed complaints with the FTC and XXXX of XXXX. I 'm not backing down because this is my money ; money I worked hard for and I want every penny back. Also, I 've been in touch with someone from Comerica Bank. They 're no better than Direct Express. There should be action taken against this company because they are not safeguarding our SSA benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13
Company: Progressive Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
THIS DEBT COLLECTION COMPANY REPORTED AN ACCOUNT TO MY CREDIT REPORT THAT WAS DISCHARGED ON MY BANKRUPTCY YEARS AGO. IT WAS REPORTED ON XXXX/XXXX/2016 ON MY XXXX AND XXXX BUT REMOVED ON MY XXXX ONLY. THEY ARE ATTEMPTING TO COLLECT A DEBT BY REPORTING THIS TO MY CREDIT. I HAVE NOT RECEIVED ANY NOTICES TO INFORM ME OF MY RIGHTS AS A CONSUMER. IF THIS IS NOT RESOLVED I WILL RETAIN AN ATTORNEY AND FILE SUIT.

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 2015-11-26
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
PINNACLE CREDIT SERVICE keeps on harassing me and threatening me for debt I do n't owe they claim I opened a XXXX cell phone I never had a XXXX Cell Phone its impossible I have lived in XXXX at that time I have been XXXX since XX/XX/XXXX till XX/XX/XXXX please have them stop calling me and harassing me and discontinue all collections and remove the collections from credit report they have the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Caine and Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX to discuss installments to take care of an old and disputed ambulance debt. In setting these up, I happened to ask about a settlement cost. The kid put me on hold to talk with his manager and then returned to tell me that a " settlement '' of the debt could be attained for {$920.00} and change. While this was a hideous amount for me to budget, I agree to use my XXXX XXXX card to do so. I was told the " settlement '' information would get to the credit bureaus in about a month. I checked the bureaus and they show a balance demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, 2017 CFPB : JPMChase needs to provide me, for ARM Loan XXXX, the Documentation for the amounts : Total Fees Assessed {$1100.00} ; Total Fees Paid {$480.00} ; Total Fees Waived {$690.00}. These amounts appear in JPMChase ' Response dated XXXX XXXX, 2017, to CFPB Case XXXX, which has JPMChase Reference Number XXXX. JPMChase took ALL my Financial Documentation, including, but not limited to, ALL my Mortgage Documentation. I require Documentation, including JPMChase Internal Documentation, if necessary, to explain these three ( 3 ) amounts. If Documentation is not provided to explain every penny of these amounts, then I want JPMChase to refund to me the {$480.00}, that, JPMChase asserts, I paid. Said Documentation is to include ALL Computations involved, including Intermediate Results. <P/>Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: LendKey Technologies, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans with Lendkey. Or thought I did. Lendkey is supposed to disburse my loan directly to XXXX and claims they did so. XXXX has not received the payment. 

Despite not actually refinancing my loans, and despite that I am still making payments to XXXX and accruing interest with XXXX, Lendkey is also having me make payments to them and is charging me interest for loan that they never made!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
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:
I have a problem with Experian Response to my CFPB Complaint # XXXX in that it is the same as your last response : we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported When you accepted this response from XXXX XXXX, you failed to do as you further stated in your response : If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. 
Well, part of your processing should be the review of the information that I sent you. If you take a took at XXXX XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX, you will see that I was 30-days late in my payments to them on XXXX XX/XX/XXXX, and not on XXXX XX/XX/XXXX, which is when they reported that I was 30-days late on my payments to them. 

XX/XX/XXXX - {$670.00} - {$310.00} - {$350.00} $ XXXX Regular Payment NSF Fee Assessment THIS INFORMATION COMES FROM XXXX XXXX XXXX XXXX STATEMENT ' DATED XXXX XX/XX/XXXX- YOU MUST READ IT The above extra from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, I was 30-days late on my payment # XXXX, and it also says that I stopped paying them in XXXX of XXXX. This XXXX XXXX report contradicts the reports that they submitted on XXXX XX/XX/XXXX The difference in the two dates, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, makes their XXXX XX/XX/XXXX report to you as False or inaccurate. The Loan History that they provided at the time shows that I paid them until XX/XX/XXXX, If you take a look at the extract of their Loan History Statement, you will see that my LAST PAYMENT to them was in XXXX of XXXX. Given these two facts, without a need to contact XXXX XXXX, anyone in your company who understand English should realize that XXXX XXXX reports submitted to you on XXXX XX/XX/XXXX are inaccurate, therefore, you should remove/delete their reports from my credit record. If you read my entire complaint, you will see that the facts that I provide, which are based on XXXX XXXX own data, will render the reports that they submitted to you as false or inaccurate. 
I am going to continue sending this complaints to CFPB until an honest person in your company reads the contents of this complaint, and the contents of the attached two files : Feedback to Experian Response to CFPB XXXX XX/XX/XXXX Complain, and XXXX XXXX XXXX XXXX XXXX, dated XXXX XX/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 2015-07-14
Company: Galaxy Capital Acquisitions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I filed a complaint earlier against XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Worldwide Asset Purchasing was also involved. I applied for a XXXX XXXX XXXX Credit card with a maximum of {$2500.00} in 2004. I was laid off and out of work for several years and also was out of work XXXX. XXXX XXXX XXXX sold the deb to Worldwide. I did n't even know I had a judgment on my credit report until Worldwide hired XXXX, XXXX XXXX XXXX, XXXX to garnish my wages some 6+ years after the judgment. Now the interest that has accrued has resulted in 5 times the amount I charged. I have supporting documentation to attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: GOLDMAN SACHS BANK USA
State: OR
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 credit monitoring services with several different companies. After the credit bureau data breach, I received notice that my identification information has been identified as listed on the black web. I am ill, I am having a battle with XXXX, and did not and could not have authorized this account. Someone acting as myself has taken this account in my name for their own benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding has sent numerous collection letters to my home requesting payment for debts I do not owe them and added these debts to my credit file. I have attempted to dispute through XXXX, XXXX and XXXX. My disputes have all been returned as verified with no distinct information to verify it is actually mine. There is no address or social security number which matches what's on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, I entered into a 36 month lease for a Acura MDX at {$500.00} per month. Included in the lease was the Ohio sales tax of {$1200.00}, which was amortized over the life of the lease in the {$500.00} payment. On XX/XX/XXXX I extended the lease XXXX months, and was required to make an up front payment of {$190.00} for the Ohio sales tax on the extension. As the {$1200.00} sales tax was amortized over the original lease term, my payment should have been reduced by the portion of the {$500.00} going to pay off that obligation, that amount would be approximately {$36.00} per month. 
When I called Acura Financial Services I was told they would not correct this inequity. 
My last conversation was on XX/XX/XXXX with XXXX XXXX who told me they would do nothing for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: GA
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:
THERE ARE FRAULDNET ACCOUNTS LISTED ON MY CREDIT REPORT WITH XXXX  XXXX AND THEY HAVE NOT BEEN REMOVED BY CREDIT BREAUS AND I WAS ADVISED BY THEM TO SUMMIT THIS 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