BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-25
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2016 I contacted XXXX billing department to arrange a payment schedule. They agreed and established a {$50.00} per month payment. Since they do n't provide a user friendly online bill payment option, beginning in XXXX I set up electronic bill payment through my bank. A total of XXXX payments were made ( in XXXX electronic transactions ) with confirmations sent from XXXX XXXX. On XXXX XXXX I received a collection notice from CMRE Financial Services and I contacted them on XXXX XXXX via phone. I was told my account had not been credited for the above referenced payments. That same day I emailed documentation for all payments made beginning in XXXX. On XXXX XXXX I called to confirm that the email had been received, spoke to XXXX and she confirmed they had been. She said they had requested more information from XXXX XXXX XXXX and it could take up to 2 weeks to resolve. Today, XXXX XXXX, I received a voice mail from CMRE and called. They said they needed documentation for the XXXX XXXX payments. I explained that they were electronic payments directly from the bank so other than the payment confirmation I received I had no other documentation. XXXX got very belligerent and said the payment confirmations I provided were not sufficient and I needed to send cancelled checks. I again explained that I did not write checks, that these were electronic payments through XXXX XXXX bill pay program. She continued to insist, said I needed to send them further documentation and then hung up. I just pulled bank statements showing the debits from my account and sent that along with the previously submitted payment confirmations. In the email I requested confirmation of receipt as well as how this collection issue will be resolved so as to not impact my credit score which I take very seriously.

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 2020-03-05
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I went to the XXXX XXXX XXXX on XX/XX/2020 at approximately XXXX to reload my Prepaid AE Serve Card.  The clerk swiped my card and I gave him {$500.00} cash. {$490.00} to be reloaded on the card and {$3.00} for the service. He told me that it wouldn't go through and gave me my {$500.00} cash back. I left the store and drove to the XXXX XXXX XXXX about 3 minutes away. At the XXXX XXXX XXXX where I normally reload this card. So I swiped my Prepaid AE Serve Card and gave the clerk {$500.00} cash. {$490.00} for the reload and {$3.00} for the service. The clerk handed me the receipt and I left. When I got home I checked my card and found a {$0.00} balance. On my Prepaid AE Serve Card Account 2 transactions on XX/XX/2020. 1st is a reload at XXXX   XXXX  for the amount of {$490.00}. And the second ( last ) transaction a withdrawal from XXXX XXXX for {$490.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10
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:
I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.Below you will find a screenshot of the account. 
XXXX XXXX  XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been disputing XXXX accounts with CMRE asking for Validation of these debts and have sent XXXX letters which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tied to such debt. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first. However should they not take immediate action and delete with the credit bureau. I will be seeking {$3500.00} in damages for : 1. ) Negligent Reporting 2. ) Violation of the Fair Debt Collection Practices Act. 
3. ) Violation of the Fair Credit Reporting Act This is effecting my credit negatively and has been humiliating and embarrassing. I have kept excellent records with all communication for the purpose of filing with the FTC office regarding all non-compliance of Federal laws. 
Before I sue them for violations and other damages I would like to see if this will let them know I take my bills and credit seriously. 

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2021-08-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The class action multi state settlement includes my loan repossession I have called XXXX XXXX  attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.

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 2017-01-16
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have requested validation of debt in writing on XX/XX/XXXX and no response. Statue of limitations of XXXX has expire ( last payment date is XX/XX/XXXX ) they are reporting a zombie debt and have ask in writing to delete it from my credit and no response on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX/XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Firstsource Business Process Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collector is contacting my job and I am absolutely prohibited from receiving such calls at my workplace.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BSI Financial abused our fiduciary relationship and manage my escrow account badly. More than twice over the last three years BSI has paid insurance after the expired date more than two times. I get mortgage adjustment that vary with huge gaps for example {$1200.00} to {$1700.00}. Often, I call BSI customer service and their answers are given as if there is no shared resource information that tracks properties connected to the account, the number of insurances and taxes to be disbursed, etc.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had applied for a mortgage refinance with Fifth Third Bank. During the application process I had to withdraw my application because my personal plans had fallen through. On XXXX XXXX I was required to pay {$350.00} for a home appraisal which was never performed. When I asked about refunding the the appraisal fee I was told it was not possible and that the bank would keep it and consider it an application fee instead. They explained that because I had signed an intent to proceed with the loan they could keep the money. Is this correct? 

Fifth Third bank XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: ZIONS BANCORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
After being in repayment for a few years on my Federal Direct Student loans that totaled about XXXX, I was sent information from XXXX XXXX XXXX XXXX XXXX XXXX Sales XXXX Processing about consolidating my loans for a better interest rate. I had no idea that by consolidating my loans that I was going to be transferring my loans from Federal Direct government loans to a private loan. This was never indicated to me. I was told that my loans would stay with my servicer, XXXX XXXX and that I was being offered interest rate reductions for consolidating. My payments all stayed the same. This happened in XX/XX/XXXX. 
Then, in XX/XX/XXXX I applied for the Public Service Loan Forgiveness program. I was qualified for the program as far as I knew since I'm a XXXX   XXXX XXXX and was making payments on my student loans. The problem came about when I learned that my federal direct loans were actually converted to private loans with ZIONS FIRST NATIONAL BANK and I wasn't eligible. This news was devastating. I had no idea that by consolidating my loans I had been transferred to a private bank. I didn't even know that was possible! Neither XXXX XXXX or XXXX XXXX XXXX clearly state that this was the case. In fact, the estimate even stated 'Department of Education ' in the quote. Now, I'm getting closer to retirement and will be carrying student loan debt with me that should have been forgiven in the PSLF program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in reference to Comenity XXXX, services offered by XXXX XXXX Bank via their XXXX  Credit card plan. I had a balance on the XXXX Credit card of {$4600.00}, I made a significantly large payment of {$2900.00} to my account in XXXX to pay off my outstanding expiring plan in full to avoid paying accrued interest, in addition to a small monthly minimal payment minimal payment. The company in my opinion purposely did not apply the payment to the charge I intended to pay off in full and instead charged me in my most recent statement {$1100.00} in interest charges for not paying this balance in full, despite the fact that I had. This company purposely buries late fees and charges to catch their customers from their home screen dashboard, it is very unclear what's going on in the account. In addition, there system is poorly managed so something like this can happen and one can not purposely direct their payment to pay off the correct balance and prevent this misapplication. I called the company and spoke with XXXX XXXX # XXXX to fix the situation and have my payment applied as intended, they did not work with me to correct the payment. I think this company is fraudulent, purposely hides payment dates, leaves their customers on long call wait times and does not communicate to their clients their potential late fees and charges. Their home screen is very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I filed a complaint on XX/XX/XXXX to XXXX to have this account remove from my credit report. This account has been paid in full since XX/XX/XXXX. It has now been 41 days and I have not heard from XXXX about 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 explanation
Consumer complaint received 2016-08-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
Company has not responded to my disputes that were sent certified mail over 40 days ago.

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 2021-08-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX {$3500.00} Sending letter to resolve First of my knowledge knowing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: TX
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 Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Account not none to me so is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 
I do ask considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am an XXXX trustee of a trust maintained at Citizens Bank of Pennsylvania. I was REPEATEDLY ASSURED that the trust accounts would not be subjected to any fees, costs, or bank charged. Citizens started assessing a statement fee of {$2.00} a month. I called, they apologized and refunded {$2.00} in XXXX 2016. They reinstated this fee again. I visited a branch and requested that a regional manager call, to no avail. I am a trustee charged with maintaining the integrity of the accounts ( more than {$800000.00} is on deposit here ). They are stealing money and they are not responding.

Company response to consumer: Closed with explanation