BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-07
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Late fee

Complaint:
My Discover Card connect to an account I had removed it from. However, it was charged without my knowledge I was thinking I still had a XXXX balance after paying off XX/XX/2016. 
Since I never received my statements from Discover I was n't aware of a balance. Discover let this balance, past due balance and other charges continue to accumulate late fees and finance charges for months without trying to make other contact. Whatever the initial charge was of less than XXXX -dollars from what the CS told me. The bill was now {$260.00} before they finally called my grandmothers house to speak with me about the delinquent account. They let this bill go until it had accumulated over {$200.00} in fee. My grandmother spoke to them in XX/XX/XXXX and paid them the total due. Later she inquired about the charges and was told the charges were late fees and interest since XX/XX/2016. I have no knowledge of what was charged to this account that led to the fee. My grandmother ask them to mail the previous statements this is my first time seeing any of this. They sent nothing showing me the initial charges. My mail for this now goes to my grandmothers address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have XXXX private loans with Discover Student Loans, I am scheduled to go on XXXX leave next month, and will be on leave for XXXX weeks. I asked that my payments be temporarily placed on deferment due to the change in my pay. Unfortunately, I was told there were no options to be offered. That I would continue to be responsible for the monthly payments. I have consistently made my payments on time for the last six years. This situation will create an unnecessary burden and stress to an already difficult situation. DSL failed to provide any options and their customer service was subpar. I have never encountered such an impossible situation with a lender. This is an extremely difficult lender to deal with. My experience with them has been plagued with issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i 'm working with a debt settlement company XXXX, inc. but Discover calls XXXX my work phone XXXX XXXX -XXXX times a day everyday.i have told them i 'm working to settle my debts with them. but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-06
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
Have file a police report on these accounts. They do not belong to me and my identity was stolen and use without my consent. These accounts are reporting on my XXXX  credit and need them remove please. Have send the banks and XXXX  fraud departments my police report for identity theft and proof that these accounts do not belong to me. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, TX XXXX Open XX/XX/2015 {$4800.00} Comenity Bank ( Not my accounts ) XXXX  Card {$4000.00} XXXX XXXX Card {$1200.00} XXXX XXXX Card {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hi, Thank you for your time reading my complain, I am currently working part time ; around {$600.00} a month. I had a Student Loan from Discover Bank. They are asking to for a monthly payment around {$200.00}. After we agreed to pay partial payment, they reported me to the credit company as late payer. However, they told me as long as I pay partial amount of money, they wo n't report me. And I paid $ XXXX monthly for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have made numerous calls and sent numerous faxes to Equifax. The faxes contained a cover sheet with Name, Address, SSN, D.O.B., File #, email address, and the reason for the fax, which is to remove from credit file. The fax also contained a letter on company letterhead, my name, date, acct #, and in the body of letter, info stating this account was no longer with this company ( XXXX XXXX ) and has been deleted from their files. But, no matter how many reps I spoke with ( over XXXX ) or how many faxes I sent, they still would not remove, this collection from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am still having problems with XXXX XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2015 I purchased a XXXX Mini Cooper, VIN XXXX, from XXXX XXXX in XXXX, CA, which was financed through Lobel Financial. On XX/XX/2015, XXXX XXXX received a letter from Lobel Financial stating that the XXXX Mini Cooper was a Manufacturer Buyback and to please remit payment in the amount of {$7500.00} immediately. 
On XX/XX/2015 I received an email from XXXX XXXX stating that the car was a Manufacturer Buyback and that I had XXXX options. First option ; I could swap the cars and get the same loan with all of the same numbers or, option two ; bring the car back and he would cancel out the contract. On XX/XX/2015 I chose to bring the car back and cancel out the contract. XXXX XXXX returned to me the deposit of {$2000.00} and the {$500.00} towards the cost of the DMV paperwork. First check was n't good. Money returned did not include XXXX months of payments I made to Lobel Financial or the {$410.00} I put into the car in repairs. 
I have included all necessary documentation to show that the contract has been cancelled due to the car being a Manufacturer Buyback and that I am no longer in possession of the XXXX Mini Cooper in question. 
Lobel Financial refuses to take my name off of the loan until XXXX XXXX repurchases the car. Lobel Financial also refuses to return any payments made on the Mini Cooper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX ; XXXX HOme Loans have put a hard inquiry on all XXXX of my credit reports. I never applied for a home loan with these people. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like to have the judgment for {$930.00} ( XX/XX/XXXX ), judgment for {$39000.00} ( XX/XX/XXXX ), and the judgment for {$2400.00} ( XX/XX/XXXX ) removed from my credit report as I was able to have done with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MD
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:
I have been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix 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 2021-09-30
Company: Experian Information Solutions Inc.
State: OH
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:
While looking at my credit report I found 2 accounts that do no belong to me so I filed a police report and FTC Identity Theft report attached

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 2015-04-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, My mortgage loan was handled by XXXX XXXX XXXX before it was assign to Rushmore servicing Company a few months ago ), we have requested XXXX XXXX XXXX to send us payoff figures in order to payoff the loan in full, we have borrowed the money from a private source, paid the entire amount to XXXX XXXX XXXX ( this was back in XXXX XX/XX/2011 ), and instead of getting a satisfaction letter, we received a few months later a letter from the bank stating that the total payment was returned since it was {$800.00} short ( legal fees ) which by the way never appeared on the payoff statement. In the meantime, the total amount was higher because of an interest and other fees added to the principle amount, we have experienced a terrible family crisis ( XXXX of my daughters deceased in my family ) and loss of income which prevented us from making the mortgage payments, the amount owed, has become higher and left us no choice but falling behind with the mortgage payments. The property is no longer livable since we did not have the funds to maintain it and as of today it is vacant. 
As said before, a few months ago we have received a letter stating that the mortgage loan is no longer with XXXX XXXX XXXX and it was transferred to Rushmore servicing Company, when we called and asked for help, we have been told that they ( Rushmore ) ca n't help since all of this happened with XXXX XXXX XXXX and they will have to start a foreclosure procedure against our property. 
The only payments we were able to maintain since this happened about 3 years ago were for property taxes. 
It is sad to think that just because of {$800.00} we, a widow that have lost XXXX daughters in less then a year is facing foreclosure and a possibility of losing her home. 
We feel that neither XXXX XXXX XXXX or Rushmore servicing simply do not want to listen to us and try resolve this big problem we are facing and possibly lose our home. 

We have attached a detailed letter written by me to Rushmore servicing which is currently handling my mortgage loan and started a foreclosure procedure about a month ago. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Would always put a 2 week hold on deposited payroll check. Multiple iver draft fees for unexplained reasons. This resulted in changing banks.

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 2015-06-02
Company: CCS Financial Services, 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 was paid

Complaint:
In XXXX XXXX I noticed a derogatory mark on my credit report made by Credit Collection Services in XXXX, MA. After investigating the company and the charge, I found out an old XXXX account that was paid off in XXXX was sent to Credit Collection Services. When I called CCS to inquire, the rep informed me that XXXX sent the debt to them to collect in XXXX XXXX ; however, I paid this account off in XXXX. I originally made arrangements with XXXX ( who was initially assigned to the account by XXXX XXXX to pay off the account in XXXX payments. The XXXX payment was withdrawn from my account by XXXX on XXXX/XXXX/XXXX in the amount of {$120.00}. The XXXX payment did not come out on the agreed date so I called XXXX to find out when the final payment would be withdrawn and applied to the account. I was told that XXXX was going out of business and to contact XXXX directly to finish making the payments. The XXXX payment was withdrawn by XXXX on XXXX/XXXX/XXXX in the amount of {$130.00}. I contacted XXXX in XXXX XXXX explaining this point. I was told they needed confirmation from XXXX. I reached out to XXXX XXXX in XXXX XXXX and followed up after in XXXX XXXX after I did not get a response with 30 days and no change on my credit report after 60 days. I provided XXXX with my bank statements indicating the payments were withdrawn prior to their Accounting Department sending my information to CCS collection agency. XXXX Accounting Department will only accept correspondence via email or fax. I have tried XXXX mediums of communication to no avail. My point of contact was XXXX XXXX. Her email address is XXXXXXXXXXXX. The fax number is XXXX. I can provide copies indicating the dates of contact as well as the dates payments were withdrawn.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I was a victim of a fraudulent loan, I never received anyof the money.the loan agent collected the funds & dissappared, went out of business.sold the loan to another company, left me with Morgage payments.home forclosed & left homeless & in debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I want to be sure that PayPal smart connect account ending XXXX is closed. Filed separate complaint after account was handed over to debt collection agency. Paypal has not been mailing me statements. Final amount due paid. Ensure account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Related Case Number XXXX Related Case Number : XXXX I have attempted to work the following matters out with the information Furnishers, XXXX XXXX XXXX ( XXXX pending litigations against ) and XXXX XXXX XXXX ( Filing a case soon ) for violations of the Fair Debt Collection Practices Act - FDCPA FCRA - Fair Credit Reporting Act, and TCPA - Telephone Communications Act Of 1991 Equifax responsible since it continues to allow reporting of inaccurate information. 

The account was reported under XXXX XXXX XXXX and then they sold the account to XXXX XXXX XXXX, XXXX companies reported the same item on my credit report. 

Furthermore, as required under the Fair Credit Reporting Act the credit bureau is required to notify me within 5 days of re-insert date, which has long since past. 

" 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my office secretary sent me an email stating that she had received an automated phone call stating that " they '' have tried to fax me documents, but were unable to do so and I was to call them at XXXX. 
I called them on XX/XX/XXXX, and I spoke to XXXX XXXX who said she was calling from XXXX XXXX XXXX in XXXX CA. She said that CXXXX XXXX XXXX ( their client ) had attempted to email me several times about a debt I owed them, and that I had not responded. Now it was going to litigation. If I didn't pay {$940.00} right now, I would be served papers, and I would have to settle the matter in court. They would sue me for check fraud. Her tone was very abrupt, loud, and demanding. I told her that I hadn't received any emails from XXXX XXXX XXXXXXXX - even in my spam. I told her that I wouldn't give any information over the phone, and that they would need to send me all documentation through the mail - information about their company and information about the supposed debt I still owed. She said it was too late for that. She had all of my information including my SSN, previous addresses, phone number, and my work phone number. She told me that she had spoken to my supervisor at work and the Human Resources department as well. ( both people said that they had not talked to anyone about this. ) I called XXXX XXXX  XXXX on XX/XX/XXXX, and they confirmed that my debt with them had been settled as of XX/XX/XXXX. I called XXXX XXXX XXXX back to let them know this information and spoke with XXXX XXXX and told her that I had proof that my debt had been settled with XXXX XXXX XXXX in XX/XX/XXXX. She said I was still going to be served, and that I had better bring proof of that when I was in court. I told her " you bet I will ''. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
REF : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ Date 7/31/15Rushmore Loan Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX - Loan Office of President- REF Loan # XXXX ss # XXXXThis is a dispute about Rushmore taking over loan from XXXX. in XX/XX/XXXX and that they are double escrowing me on taxes when taxes are paid and Rushmore ck sent to taxes I reimbursed XXXX XXXX ) plus double paid taxes in XX/XX/XXXX. The amount taken over from in 1st mortage {$46000.00} with all errears and no escrow balance ( settled XXXX. Rushmore is asking for {$210.00} in escrow a month when qtr taxes are {$330.00} XXXX est. {$110.00} a month ) plus they are aware they I disputed this in XX/XX/XXXX at initial conception. They mis-appropiate my regular payments towards an account called " other '' and they have also have unapplied money on account totaling over {$1200.00}. They claim over XXXX owed immediatedly or threat to foreclose. This is a low income unit and is protected by C.O.A.H. Please look at misc debit postings of {$11.00} unexplained. Late charges of {$25.00} by which my registered mail can dispute. I made a complaint with Banking and Insurance. I went to Fair Housing and received counseling from XXXX XXXX. I am getting negative resolution from Rushmore and want re-posting of all my regular payments to appropiate months split with part going towards principal and part interest like it should have been from the start. Since they are not sending checks to XXXX XXXX except for the {$330.00} I reimbursed them and paid XXXX also ( double paid ) carrying me through 4th qtr. Please help me. I am a single mom raising a child with XXXX. My documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian Credit Bureau, removed XXXX fraudulent accounts from my credit then without warning or notices they re-added the unknown accounts back to my credit. I have supplied themwith a valid police report that was stamped and signed by the police officeand to date they have done nothing but ignore me, so my case remains unresolved. 
The fraudulent accounts are as followsTax Lien ref # XXXX XXXX XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief