BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-21
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Delta American Express card online. The initial offer of XXXX  bonus Miles was presented to me at first. After closing the window a new counter offer of XXXX was offered and at that point I have decided to apply. To date only XXXX miles or deposited to my delta account. After serval attempts to get the rest of miles deposited I have decided to involve the CFPB. I ask that you help me to get there extra bonus XXXX miles  deposited into my Delta account. American Express case number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: Sierra Holdings LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have contacted Sierra Auto Finance several times over the past year and a half as an attempt to resolve the issue. XXXX representative even went as far as to say, why are you requesting that I send this information? The issue is that none of this was ever received. I have yet to receive any documentation, however whenever I contact for the documentation, Sierra Auto Finance will re age the account and report it as if the account is a new account. They refuse to validate the debt I say I owe. They have yet to produce a contract that shows that I owe them, a full billing and payment history that shows how they arrived at the balance, documentation of who the alleged repossession agency was and licensing, proof that local authorities were located within XXXX hour of recovery, required notice of Deficiency Balance or Notice of Default with timely and proper service for any said repossession, A copy of your notification and proper service of my right to reinstate, prior to the sale of this vehicle/ Notice of Intent to Sale showing proper with timely and proper legal service, Proof that the repossession agency you used contacted me within XXXX hours of the said repossession with proper documentation ( Notice of XXXX ) as well as the inventory list of personal effects, Inventory of items that was in the vehicle at the time of repossession, as well as the manner in which it was disposed i.e. ( proof of disposal ), XXXX. ) Please provide documentation that the vehicle was sold in a commercially reasonable manner. I have asked that this account stop being reported as a new account with updated terms as well. So not only will Sierra Auto Finance not validate the debt. They also are being predatory in their reporting practices. I have also disputed this with XXXX, XXXX and XXXX with no success. Next stop law suit! Contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is a case where I am not getting the XXXX validated as required by law. Do I even owe this debt? Why is it being reported. This is my last stop before filing suit against Sierra Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: ONLINE Information Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
ONLINE COLLECTIONS/ INFORMATION SERVICES has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe ONLINE COLLECTIONS/ INFORMATION SERVICES any alleged debt and would like them to provide proof of claim with authenticated verification. ONLINE COLLECTIONS/ INFORMATION SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I've enclosed an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX is misrepresenting me my character my credit worthiness, not to mention my reputation, they are reporting lies and violating my rights under 15 USC 1681 ( a ) ( 1 ) XXXX XXXX is stating they are not the correct company, They only report information from XXXX and Equifax. 
My score on Equifax is showing as XXXX, and at the same time the score on XXXX XXXX is showing as XXXX. 
How can XXXX XXXX state, Incorrect Company ( from the first time they received this complaint ). When they are reporting the wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: Information belongs to someone else

Complaint:
Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}

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 non-monetary relief
Consumer complaint received 2018-07-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The account do not open by username and password since 3 years now. This account get my y Social every months. I need this bank to refund me my money in full about {$25000.00} or about the amount. Their do not reply clearly my previous complains, their need to refund me.

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 2018-07-19
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Does not report the correct date of last delinquency. All of the payment information is incorrect and the debt which was charged off in XX/XX/2012 has been sold to a company that shows that I have been making payments which is incorrect. This company has re-aged my account which will impair my credit further. My understanding is that when a company willfully reports false information that it is a violation of The FCRA and must be permanently be deleted from my credit report. This makes this debt look like it is a new debt when indeed it is well past the SOL and is set to drop off of my credit report but now will be extended if this illegal practice is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: NY
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 ATTEMPTED TO RECTIFY THE ISSUE WITH EXPERIAN. THEY ARE CURRENTLY REPORTING FALSE, INACCURATE, AND UNVERIFIABLE INFORMATION REGARDING A NEGATIVE ACCOUNT WITH XXXX XXXX. AS A MATTER OF FACT, XXXX  AND XXXX WAS ABLE TO GET THE ACCOUNT REMOVED. I HAVE ATTEMPTED TO RESOLVE THIS ISSUE WITH THEM ON MORE THAN SEVERAL OCCASIONS, AND NO ACTION HAS TAKEN PLACE REGARDING THIS MATTER AND IT IS VERY CONCERNING TO ME. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY, I GREATLY APPRECIATE 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 2018-07-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received correspondence today XX/XX/18 that my home ( XXXX XXXX XXXX XXXX, XXXX PA XXXX has foreclosure sale date of XX/XX/18. Wels Fargo Home Mortgage did not notify me of this action and im only outstanding for 2 Months payment. This is a shocker, because I made payments totaling $ XXXX months of XXXX and XXXX notwithstanding being unemployed, and monthly payment is $ XXXX/month. I have been in correspondence with them and no one informed me of such action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Debt Management Incorporated
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company repeatedly made fraudulent calls stating they were debt attorneys and they would be filing suite against me for a debt I did not own. After submitting a complaint with CFPB they stopped calling, but proceeded to put a negative mark on my personal credit. I called them back twice to get ANY information / paperwork that would explain how they fraudulently acquired my social security number to put the derogatory mark on my credit, but they refused to provide me with any.

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no 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 2021-11-15
Company: EQUIFAX, INC.
State: FL
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:
Equifax continues to report inaccurate information on my credit file. There is a address that they have deleted 3 times and continue to put this address back on my credit file. I have had the same address for 32 years which is XXXX XXXX XXXX XXXX FL XXXX. Per the FCRA you are in violation by continuing to put inaccurate information back on my credit file that was previously deleted. You also have several accounts that list included in bankruptcy XXXX and there is no bankruptcy on file. Remove all of these inaccurate accounts listed below immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERV XXXX XXXX - CARD SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this below account is not mine. I have contacted power financial and they have no record for me in there system and this account number is unknown. Please delete this fraudulent account as my information was comprised in the Equifax data breach. 

XXXX XXXX XXXX I have attached the dispute results that i received directly from Equifax showing the incorrect address was deleted and all these accounts in question state included in bankruptcy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a certified dispute letter to Commonwealth Financial Systems more than 30 days ago and they never responded. Per the Fair Credit Reporting Act, they now need to remove the debt from my credit report. It is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company ( Ability Recovery Services ) uses scare tactics to recover money that i do not owe and reports it every few months as a new loan. Ive asked numerous amounts of times for documents they threaten they have to be sent to me and im flat out told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On   XXXX   XXXX   XXXX ,  One Main Financial ran a hard inquiry on my credit report along with my husbands. This was NOT authorized nor did we give them consent to do so. We currently have a loan through them for se veral years. We did not ask to refinance or anything like that. They did not have permission to do this . One Main  has been caught in so many lies, several by me alone. They tell you one thing and then do another.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Creditors Specialty Service Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being charged for a vehicle tow and storage on a vehicle that was sold two months prior to said tow. I have supplied evidence to this fact to the company repetitively and they still keep trying to collect from me a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a parent of a current undergrade that is paying off a loan, for my child, from XXXX/Navient. I have been paying " the interest '' on this loan for XXXX years now! I find this very ridiculous. now the company has split in XXXX and my account is listed under Navient. I want to know what is being done to stop XXXX/navient of all their wrong-doing for these types of loans! Sometimes the balance of the loan would go up instead of down! If you 're late, XXXX/Navient will harrasse you constantly!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Re : Acct # XXXX, XXXX To Whom It May Concern : This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that my claim is disputed.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. -- The term ''breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 15 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Commonwealth Financial has added several bogus collections to my XXXX & XXXX reports. They have never communicated with me regarding any of the listed items. I 'm 100 % certain these are fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX, I contacted fastunsecured.com around XX/XX/XXXX for help in cleaning up credit, at the time they said I would need about XXXX ( I did n't have ) for them do do any work on my credit. They said they might be able to help me get the funds for them to do the credit repair work. They ended up applying to a bunch of credit card companies on my behalf ; Like XXXX express, XXXX ... I 'm not sure how many in all might have been XXXX or more companies. I received not XXXX single approval form any of the companies they applied to. XXXX now want me to pay them {$11000.00}, they have turned my so called account they claim I have over to XXXX XXXX XXXX XXXX, a collections company ... XXXX has now further damaged my credit report by placing this Scam {$11000.00} on my report. XXXX claim that because I did not forward to them all the denial response I received from the numerous companies they applied to, I owe them this obscured {$11000.00}. I want/need this company to remove their garbage collection from all XXXX of my credit reports now. Like I said I just got my bankruptcy XXXX and I am trying to get my life together I do not have time or energy to be dealing with this nonsense from them. So please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They proceeded to put this debt twice on all of my credit reports. The original amount is {$940.00} and now it is showing {$1800.00} which is double the amount.

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