BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Santander Consumer USA Holdings Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report its has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$2000.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$300.00} DEPTEDXXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$57000.00} XXXX XXXX {$160.00}

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 2017-12-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account in XXXX XXXX with a promo that would give me {$200.00} bonus. It has been 6 months and 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 monetary relief
Consumer complaint received 2019-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
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:
Select Servicing Portfolio , Inc., is reporting that as of XX/XX/XXXX, I am 164 days delinquent in mortgage loan acct. # XXXX when I am not. The property was heavily damaged by Hurricane Mara and the prior mortgage servicer, XXXX XXXX XXXX XXXX XXXX, gave me two payment moratoriums. The first one was automatic and a second one was extended until XX/XX/XXXX, in letter dated XX/XX/XXXX. The mortgage was then transferred on XX/XX/XXXX to Select Servicing Portfolio , Inc., for further servicing. Select Servicing Portfolio, Inc., then obligated us to repay the amount of payments  accumulated during the moratorium period, even though the house was still under repair and reconstruction. We complied with their demand, and a payment plan was approved for such repayment doubling the amount of the mortgage payment for a period of time. Although I complied entirely by starting my payments on XX/XX/XXXX, and thereafter including doubling the amount of the payment, up to this date Select Servicing Portfolio , Inc., has refused to eliminate the incorrect reporting to the credit agencies that I am 164 delinquent on the mortgage loan. More than 4 letters have been sent to Select Servicing Portfolio , Inc., and today I held a 42 minute telephone conference with their Relationship Manager, but they refused to revoke the incorrect reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-06-09
Company: CL Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received letters from Jefferson Capital handling my delinquent account for XXXX XXXX XXXX. They sent me a letter stating I could settle my account with XXXX XXXX with a agreed settlement amount. Before I gave them any payment I asked could they send me a letter to show the agreement before I paid anything. They did, and said when account is paid as agreed they would update the credit agencies as account settled in full XXXX balance. I paid, and they sent me a letter stating account was settled closed as paid in full. I was waiting for this to be updated on my credit report, but it never was. I even tried to file a dispute with the credit agencies myself. Which was a failed attempt. I called Jefferson who told me they just handle the account for XXXX XXXX and they have to update with the credit agencies as the account being paid in full and settled. However, when I contacted XXXX XXXX they said Jefferson was not telling the truth that the account was sold to them, and they no longer have anything to do with this account, so to contact them back I did and Jefferson capital said call them back and tell them this is a special account we handle for them so it was n't one they bought. I kept getting thrown back and forth, and XXXX XXXX still shows on my credit as a charged off account, and Jefferson Capital basically ripped me off of money that they lied about handling this account so I could get my credit report updated to show what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: ONEMAIN FINANCE CORPORATION
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:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, XXXX   account status as paid, and XXXX  account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX reporting payment status as collection/charge off, XXXX payment status reporting current, and XXXX  payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On  XXXX   XXXX ,    2017  I received another letter from  GC Service Limited Partnership af ter I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  XXXX  and GC Services with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Documen  ts i.e. State ID & Social. After receiving all the necessary docum
entation from me to block this fraudulent account from my credit profile per 605B o  f the FCRA they had removed it from my credit report.
<P/>
All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently bega  n to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every time I call customer service I must wait on hold for at least an hour to speak to somebody. This is a hardship because I am at work and don't have an hour to wait on hold! They offer to call you back if you can't wait but sometimes that takes hours and you may miss the call. This basically makes it impossible to get service. I'd switch to different service if I could, but what choice do I have?

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 2017-06-09
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have sent written notification to Hunt & Henriques requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter  from Sams Mastercard serviced by Synchrony Bank yesterday,   XXXX  /17 stating they will be closing my account.    This company first lowered my limit a few months ago and now they plan on closing it by months end, which is around the  XXXX  of the month.   I contacted them today on  XXXX / XXXX / 17  to explain to them to please look at my payment history as I 'm a good payor, have never defaulted or have been late. They did n't even care, they explained to me to reapply once account is closed. I 'm trying to prevent it from being closed.   I have  XXXX  other accounts wit h Synchrony and they are doing the same thing. They start lowering limits eventually leading to closure.

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 2020-03-02
Company: ONEMAIN FINANCE CORPORATION
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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. XXXX  reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. XXXX  reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation. 

Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time????????? 

Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
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: Public record information inaccurate

Complaint:
On XXXX XXXX XXXX received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.

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 2020-03-02
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:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been informed that negative information was reporting on my credit report by a collection agency with the name CMRE. I contacted this company by certified mail twice. on  XXXX / XXXX /   2017  &  XXXX   XXXX ,    2017  to get validation of debt amount owed. This company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through th e USPS  that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since. This company states I owe  XXXX  $ but I will not pay this collection agency any of my money without validation. This company have not contacted any of the credit bureaus to mark my account and disputed which now they are violation of Fair Debt Collection Practices Act &  Protection under the FCRA Section 623.    I need this to be removed from my credit report due to this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My interest has sky rocketed, starting around 8 % now is at 10.65 %. When I would pay my payment online the automated system would say it did not go through. It would then go through partially. I would choose a specific loan of the XXXX to pay and it would disperse the payment however the program saw fit. Not allowing me to pay the largest amount to the loan with the highest interest. When I called to say I was struggling greatly with my loan payments. I am working and can not afford to pay them and eat, the customer service representative advised me to take out a loan to pay my interest payment. I have been paying my loan consistently and I owe more than I did when I graduated from college. I do not see how I will ever be able to get out of this. I am in a financial prison. I make around XXXX dollars a year and I live in poverty because of my student loans. I have no other type of debt.

Company response to consumer: Closed with explanation