BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: Integrated Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio recovery XXXX, XXXX filed a lawsuit against me in XXXX county, XXXX when i live in XXXX county even when i had first opened the credit card account which is clearly on all my records where i live. I was not contacted by this firm to at least come to a monthly payment or some sort of payment to reach settlement, instead i have someone from the court come and serve me a court paper stating that i have about to appear in court XXXX and to travel almost 500 miles or to take a plane to appear in court. This is over {$2300.00} not only that they also mention on the lawsuit that they sent multiple letters to my address or address on file in which i never received any of this letters.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-21
Company: Senex Services Corp.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is the original debtor, Senex services is the collection agency. I only visited this hospital once and I was insured at The time of the visit, so I do n't owe them {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I informed the Credit bureau XXXX, XXXX, Experian that i hade inaccurate and misleading/Fraudulent personal addresses and accounts on my credit report that they being falsely reported They did there investigations and removed all the inaccurate information being report well a month or so later XXXX and Experian decided to put in fraudulent information back on my credit report! I reached back out with a dispute letter telling them there wrongs of re-reporting the inaccurate/fraudulent items and they still havent gave me any response and its been well over 30 to going on 60 days with no re-investgation results. Ive been very patient with these compqnys have rwached out to over a 100 different companys trying to get them to validate these inaccuracies of my credit report still nothing please help me thank you~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 2020-01-09
Company: Continental Finance Company, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a Surge Card from Continental Finance and as usual I made a minimum payment due ( {$28.00} ) like I always do every month and they couldnt process the payment 3 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and my payment wasnt posted on the account which resulted in late payments on my credit report. Honestly I thought that my payments were going through and one day while checking my credit report, I noticed that they reported me late 3 times on payments and I even called them many times and stated the problem which was due to their system and they told me they couldnt help me with it. I always made the payments on time but it was some problem on their system and I am the one whose credit report shows 3 late payments. I even called in today and they said theres nothing they could do and they want me to dispute to the credit bureaus instead!!

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 2017-07-21
Company: LoanCare, LLC
State: UT
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:
In XXXX 2017, the XXXX XXXX paid my loan to Loancare, and in XX/XX/XXXX, I asked for more help, and LoanCare did not acknowledge the payment, and was charging extra late fees and trying to get double payments. XXXX XXXX and I both tried several times to get in touch with them to get a current statement reflecting the true amount due, and payment of the previous month. The payment was ready to be sent off at the end of XX/XX/XXXX, but despite our efforts to get an updated statement, he decided to pay it XX/XX/XXXX. Yes it was late, but still they had not gotten back to us. It is the only late payment on my credit report, and I asked them via email, to please get it off my report, so I could refinance at a lower rate, so I could afford payments. If they would have just responded, the payment would have been received on time.

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 2022-06-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2020-10-09
Company: RS Clark and Associates, Inc.
State: MO
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:
I received a letter from RS Clark & Associates, Inc on XX/XX/2020 stating that I owed an alleged amount of {$69.00}, I immediately responded on XX/XX/2020, asking them to verify the alleged debt as I did not recognize nor owe it. I never received a reply back, but immediately this collection was put on all three credit bureau reporting agencies, XXXX, XXXX  and XXXX, since XX/XX/2020 Ive sent two other letters demanding verification and validation of the alleged debt and have not received it, I have requested that they immediately remove the negative collection from my credit bureau reports which they have not done either. They have violated so many consumer protection laws that they should be closed by the attorney general of Missouri as well as Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2022-06-15
Company: Comerica
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a permanently XXXX American who receives social security benefits through COMERICA Bank DIRECT EXPRESS DEBIT CARD PROGRAM. 

They do not issue monthly statements. I contacted them this year because the IRS told me that I needed to file taxes for XXXX and XXXX if I was to receive a stimulus check. 

I asked DIRECT EXPRESS to provide me with a total of benefits received over the past two years. What I got was a list in the mail, of every transaction to my account in XXXX 
Month after month, page after page was charges as small as XXXX and as large as {$100.00}, totaling over {$2600.00}. None of the deductions were authorized by me. Had I not requested deposit information, I would have not known what happened. 

I don't know how to get those funds back. Customer service for DIRECT EXPRESS read a scripted message that states the time parameters for filing a complaint regarding a charge as being 45-60 days from the posted date of charge. Each charge disputed requires a separate depute form. One month alone has eight pages of incorrect charges, 28 charges per page! 

Secondly, what can I do to prevent this from happening again? 
I have never used my DIRECT EXPRESS account for recurrent billing. Is there a way to opt out of these " services '' with DIRECT EXPRESS? 


The charges are suspicious amounts as little a {$.00} charge to a foreign payee multiple times in a given day. I WOULD LOVE TO SEND YOU COPIES BUT I DON'T KNOW HOW TO UPLOAD THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Bank of America did a hard credit pull on my account on XX/XX/XXXX and XX/XX/XXXX I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Bank of America reps XXXX # XXXX on XX/XX/XXXXat the cooperate office req # XXXX who stated it would be resolved in 10 days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit XXXX, XXXX and XXXX are doing nothing to rectify the problem

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 2022-02-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 


On XX/XX/2022 I requested that Fifth Third Bank National Association present me with all statements in connection with the referenced account as I am disputing their claimed debt. I instructed them to cease any false, deceptive or misleading representation pursuant to 15 U.S. code 1692e and to cease collection of and the reporting of the referenced account while efforts were being made to reconcile the dispute. 

Not only has Fifth Third Bank National Association continued to call and text me everyday with deceptive and misleading language, they also ignored my request to reconcile this matter and instead reported detrimental information to credit reporting agencies against my instruction. I did not consent, benefit, nor authorize this account on my consumer report and Fifth Third Bank National Association has violated my right to privacy per federal consumer financial law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX sent in check for {$1900.00} XXXX XXXX as well XXXX sent a total loss check back in XX/XX/2019 and which payment should have been recalculated due to amount being paid to the financial institutions was more than 50 % of original loan balance. Santander is denying to making these adjustments and as a consumer I am being not treat with the respect and was advised from Santander they wore going to make adjustments and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: CA
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  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 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 explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The number of times late that is being reported on my credit report seems inaccurate and or misleading. Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations Please provide this information and correct this account immediately so that it shows paid as agreed, never late.

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 2017-11-29
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage servicer to set up bi-weekly payments, which as you know can save a lot of interest over the life of the loan. They refused to do so. They will only take full monthly payments and additional principal payments. This is HORRIBLY unfair to consumers. 

Mortgage Servicer : Dovenmuehle Mortgage Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPB ASAP!

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 2022-06-15
Company: Resurgent Capital Services L.P.
State: IL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed a charge of {$240.00} that I did not recognize. I called Comerica and reported the fraud and they started an investigation. They called me back later and asked a few questions. They sent me a letter in the mail stating that these transactions were authorized by me. I called them to report it unauthorized!!! I have no history of reporting fraud and have been with this bank over ten years. I'm appalled that they will not protect me in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Regarding Macy 's Credit Card -- I recently noticed, and called Macy 's, about their tapping my XXXX Credit Report -- XX/XX/2019 and XX/XX/2019. In XXXX, Macys lowered my limit to {$1100.00} and in XXXX, to {$600.00}. 
When I called the Macy 's Customer Service, I asked 1 ) why they were lowering my limit and 2 ), why are they tapping my Credit Report. 
The woman told me they checked my credit report and lowered my scores because I have not used my card in a while. I believe she said they do this if a customer doesn't use the card for six months or longer. I told her this caused my score to decrease and is a red mark on my credit report. I asked them not to tap my Credit Report again and that I will probably be closing my account. 

How can I have them fix my Credit Report and ensure they will not contact the Credit Bureaus again because I have not used their card in a while. 

Is Macy 's activity illegal? 

Now I have to pay the credit bureaus to lock my account. Ridiculous. 

Thank you.

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 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I received a bill from Capital One for {$39.00} for a charge I did not make. 
I also contacted the vendor, who agreed with me. 

On XX/XX/2022 I mailed a cover letter with pertinent bill copies to Capital One c/o " Disputes '' ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX. 
( Copies Attached ). 

On XX/XX/2022, I received a bill again, this time with a late fee, now totaling {$65.00}. I immediately sent another cover letter with pertinent bill copies to Capital One c/o " Disputes '' ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX. 
( Copies Attached ). 

On XX/XX/2022 I also sent a personal check for {$65.00} to Capital One in order to maintain my excellent credit rating ; done under duress. 

I was informed today that they did not receive my check. 

Capital One has ignored me completely on this issue, with nary a word or correspondence from them whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my employment certification for public service loan forgiveness on XX/XX/2021 and it has not been processed yet. I have tried calling several times over the past XXXX weeks and I wait on hold, the phone rings, and it hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
One of my checks was intercepted in the mail and partially washed and passed off at XXXX XXXX XXXX for {$11000.00} and cashed. I discovered the problem XX/XX/XXXX. I Moved most of the money out of the account into a new account and I have been waiting ever since for my financial institution to make it right. I have probably called 20 times to the institution to try to get an update and they just tell me its under investigation and refused to give me any more information. XXXX XXXX XXXX  knows who committed the crime, when they did it, where they did it, and what the amount was. My bank is SunTrust and has given me very very little customer service. The firstPhone call they made to me was over 40 days after the incident

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation