BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: Glasser and Glasser, PLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I recently received a Notice of Withholding and a copy of a garnishment summons for a really old debt. When I had previously checked my credit report it said this particular account was closed and written off as a bad debt by the creditor. 
So as far as I was concerned there was no collections or anything. 
I had not been contacted regarding this debt and I was not notified of any kind of court proceedings or that a case was filed against me. 
Upon receipt of this notice of withholding i contacted the law firm who is collecting the debt and they claimed to not even have my phone number on file. How could they have my SS number but not my phone number? According to their records my last communication with them was in 2012. So that 's 4 years where they did not make a single attempt to contact me or notify me and then suddenly my pay check is being garnished. 
Also I probably did not live in the state where the action was taken against me. Since I have no idea when legal action was taken against me I can not verify that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11
Company: Solutions To Portfolios, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Received a message from the receptionist at my work from XXXX a XXXX XXXX, she left a message advising it was in regards to a legal matter and I needed to return her call. I did call and she said I will be sending a XXXX legal form to your place of employment. I advised her not to call my employer or send any communication, she then hung up on me. I called back and she said, well its going to employer today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A Collection Agency named XXXX XXXX XXXX is falsely reporting to Experian XXXX alleged debts owed to a XXXX Timeshare company that I do not owe. I have attached a letter of explanation concerning why these alleged debts are not valid, along with supporting documentation. It also explains how both the XXXX Timeshare company and their collection agency are attempting to extort money from me to pay them money I do not owe by damaging my credit on Experian ; and then refusing to remove the negative reports unless I pay them. 

I have subsequently have been forced to hire a credit restoration specialist to help rectify this matter. They wrote Experian on my behalf XXXX formal letters on XXXX XXXX, 2016 ( both are included in Exhibit A of the attached document ), requesting financial documentation ; with notice that failure to these documents for this legally disputed account will serve as proof that it is not a valid debt ( copies of both letters are also attached ). The letter further stated that if they failed to respond Act to this legally requested validation of debt within the prescribed 30 day period under the Fair Credit Reporting, all references to XXXX XXXX XXXX account # XXXX be deleted from all credit bureaus, including but not limited to XXXX, Experian and XXXX. 

As of XXXX XXXX, 2016, 60 days later, Experian has both failed to respond to this request and remove the negative entries from my credit report. As a result they are enabling XXXX XXXX XXXX and the XXXX Timeshare company to continue this extortion.

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 2016-02-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is being reported as being 30 days late on my Experian report and I believe that is incorrect. The account has been current always, to my knowledge. I have asked for support on the reporting but I have not received it.

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 2016-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is follow-up to my previous complaints regarding the XXXX XXXX XXXX, who continues to report negative reporting for my mortgage account to all the credit bureaus that I was late/delinquent for my mortgage account. This is completely untrue as I 've proof that my payments were made on time and cleared my checking account into my mortgage account at XXXX XXXX. Attached are the screen shots indicating that. XXXX XXXX agreed to waive the late fee, which should have never been assessed in the first place. I 'm just frustrated with this bank and their lack of professionalism and customer service. Resolving any issue with them is talking to a brick wall. Their people always claim that the customer is at fault.

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 2023-03-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is further to my prior to complaints ( XXXX, XXXX ) where AMEX continue to decline that their agent on XXXX XX/XX/2022 promised to get my hard inquiry removed. 

Attaching automatically XXXX generated partial transcript of XXXX XX/XX/2022 with highlighted areas where the agent confirmed it. This is the evidence that Amex continue to ignore or deny

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I completed annual credit report request form for all XXXX reporting agencies and mailed the form to : XXXX, GA XXXX. I immediately received in the mail my annual reports from XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ). Experian sent a letter on XXXX XXXX, 2016 stating they needed more information and provided an entire list of verification items required. The letter stated that I could also get a copy of the credit report online. I tried accessing the credit report online from XXXX as instructed but could not obtain the credit report using that method. I then made a copy of my drivers license, provided a copy of a utility bill along with the original form that contained all the info such as name, social security number and other requested info and mailed back all the documentation. I received another letter dated XXXX XXXX, 2016 stating my info was either insufficient or illegible. Neither situation applied. I provided all requested info with clear legible copies Once again, the letter stated I could go online to obtain a copy of my credit report. I then attempted to go back online and was still unable to get the report online. There is no telephone number for Experian or XXXX that allows me to speak with a real person! Experian has made it impossible to receive a free copy of my credit report while XXXX and XXXX simply provided the report based on completion of their form.

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 2015-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A company I worked for had a business credit card account with XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XXXX without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to Experian correctly yet Experian has not updated and will not provide any response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the items in question and also filed a complaint against the collection agency. Collection agency indicated that they are not reporting and not sure why its still showing on my credit report. I just want the items in question removed.

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 2016-08-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In Experians reply of XXXX XXXX claimed they mailed my report on that day and would take 10 days, it is now 16 days and 12 business days and still have not received.

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 2016-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for modification 8 months ago and have not received any results i submitted documetion each time requested. On XXXX to XXXX different occasions i was told to refax documents because they claimed they were not received, i think the servicer not completely honest about this process. I spoked with XXXX different supervisorsrs and received no results. I need yOUR HELP PLS,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX put collection on my credit for a XXXX 's account. I had insurance with XXXX 's. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from XXXX and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Exeter Finance Corp.
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:
My sons mother XXXX XXXX stole my information to get a car in my name that I never co-signed for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EXPERIAN I attached a screen shot trying to dispute XXXX items. The game they play is that if you ever questioned or disputed an account, like 5 years ago. The erroneously claim sanctuary and that they do n't have to validate the information. Please FINE them as much as possible 1- the first item is XXXX XXXX XXXX this loan was transferred XXXX, also listed on my report. the last payment made was in 2008 and the XXXX needs to be deleted as it is over 7.5 years since last payment. What EXPERIAN is trying to do is not acknowledge the transfer and showing it as a new account. NO sir/madam, FCRA does n't allow that. just because XXXX XXXX decides to transfer an account, does n't mean the history gets to start all over again. 

2-XXXX, this really irriates me, Experian Reports {$7000.00}, this account was either sold off or transferred but, I do know they received a large check from the court. Delete the entire history but, you ca n't continue to report a number that is false. I paid the BK court {$60000.00}, no way am I going to allow false and vindictive reporting to continue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent a letter to owe the amount of {$51.00} on my XXXX XXXX credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. 
The last payment I paid in full was in XXXX XXXX, 2015. 
I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Today XXXX/XXXX/2013, I initiated a dispute of some negative items on my Experian credit report. I attempted to dispute these items but was unsuccessful. Experian claims these items are still under investigation yet the company continue to update negative information on each negative items. In addition to this each items investigation has not concluded in the 30 day time period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am complaining about experian not fixing XXXX items on my credit report that are reporting incorrectly. I have submitted additional information that I received from XXXX bank who holds these XXXX cards ... .. ( XXXX and XXXX account ). The letter states to remove the deragtory remark and accounts should be listed in accounts that are in good standing. With this incorrect information on my accounts it is having a negative effect on my credit score which is affecting me in obtaining credit. They need to not just yes me and fix this issue.

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 2016-10-12
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit card
Issue: Billing disputes

Complaint:
We had our credit cards stolen and reported the charges as fraudulent. One of the charges did not get taken off. We have called numerous times to fix the issue. The investigation department confirmed the fraud but we still have a negative rating that is affecting our credit score.

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 2016-05-10
Company: Finance of America Holdings LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a reverse mortgage and everthing was going fine until my appraisal came in lower than expected. Immediately my income became a issue and I was asked if I received any other income other than XXXX. I was then told that my income did not transfer over correctly and that my Student loans and car payment was to much to pay my taxes and insurance. I submitted the correct figures but was still denied because of income. My denial stated that I withdrew and when questioned, I was told that is the procedure when loan do n't qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the collection agency NCC Business-service put a alert on my XXXX XXXX credit without my permission, also they puts XXXX account of the same item, that is not mine.fraudulent accounts, ghosts item

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Back in XXXX of 2015 I opened an account Online with BBVA Compass Bank. On XX/XX/XXXX I received a letter indicating that my account was approved and all was required was the opening deposit. On XXXX XXXX, 2015 I mailed in a money order in the amount of {$40.00} in order to have my account opened. A few days later I received another letter from BBVA Compass Bank that the account can not be opened due and issue with XXXX. So, I called the bank in XX/XX/XXXX top get my deposit back and the bank told me to call a week later. Called the bank a week later and I asked to have my deposit sent back and the bank could not locate it or could not give me any information. I have been calling the bank almost everyday and they can not locate my initial deposit of {$40.00}. I made a call to trace the money order and it was cashed on XX/XX/XXXX.I made another call to the bank today and they placed me on off on hold and at the end they tell me they can not locate the money order. The bank is not being helpful at all. how can a deposit go missing? It has been cashed. I need to have the bank investigate this further and pay me an additional {$100.00} for my time, calls and lack of service. And I have also noticed the bank is not being honest with me in regards to what has happened to my deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Loancare and the immediately increased my payment to {$1500.00}. My previous payments were {$760.00}, with XXXX XXXX XXXX, who sold my loan to Loancare, LLC of XXXX. I had filed a complaint with the XXXX office. The terms of my loan have been completely changed. I 'm now being billed at the rate of XXXX. My interest payments are higher and my principle payments are lower. loancare has illegally rewritten the terms of my mortgage. Please review my case and inform me of any pending class action suits against Loancare. 
sincerely, 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 explanation
Consumer complaint received 2015-04-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The servicing of my home mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage Services, LLC ( effective XXXX/XXXX/15 ) and their website is reflecting the incorrect payment amount. My monthly payment ( inclusive of taxes, insurance, and PMI ) totals {$3500.00}. However, the only amount that their website will allow me to is {$3900.00} ( which includes late fees ). That is not the correct minimum amount due and, as a result of their error, I am unable to make minimum payment due. I need this resolved ASAP so I can make my payment on time. Their website needs to be updated with the correct minimum amount due ( not including fees ) since its not allowing me to pay any other amount except {$3900.00}. 

Additionally, I still have yet to receive any correspondence from their institution. I had to call in and wait on hold for 20+ minutes just to obtain my loan number. Then when I called back to address the issue with the wrong payment amount, their wait time exceeded 20+ minutes and it would automatically drop the call without allowing you the options to hold. This is becoming a huge nightmare just because they ca n't get their records straight. 

O know the CFPB has implemented very specific regulations for servicers to abide by pertaining to Servicing Transfers and this company is certainly not in compliance! I need help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My online access was somehow compromised and dozens of transactions were made that was not done by myself or my wife including but not limited to XXXX XXXX, chase freedom, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and every other account on my credit profile the bank has been unwilling to help me or give me any money back for the fraudulent charges/changes to my account and is totaling approximately around 12- {$15000.00} and have been dealing with this since XXXX of 2020. Which has forced my to get loans to cover bills occurred in order to salvage my credit at the same time fraud had been actively involved on my account from XXXX through XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy in 2012. The house was not included in the bankruptcy. I tried to explain to Bank of America that I paid all of my payments and the house was not included in the bankruptcy. Every time I tried to resolve this, they called me a bankrupt person and they took my house and wrote it off as a loss and put it on my credit report. I paid all of my payments and had never been late on a payment. I am enclosing all of my documents that show this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation