BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTC ID Theft report # 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 2017-07-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Hospital sent me to collection for XXXX that I do n't owe them. I tried to contact them to have them send me a contract stating why owe them when they were taking money out of my account every month.I gave the dog away and they still thought I was suppose to pay them for a dog I no longer had I want a contract stating I owe this amount with my signature I want this account removed from my account IC Systems XXXX XXXX 2016, is the collection agency I want removed

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 2017-07-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a ulta rewards mastercard with Comenity Capital Bank. I owe XXXX paid off XXXX other week. They have now added XXXX late fee plus charge also closed my account saying that they did audit to check on my credit report and I have too many inquires on crediT report so closed. I dId n't not get any notice about closure. when I called and talked to them they were not helpful and cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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 information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$410.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}. Inquiry : XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
" Sold '' a {$10.00} XXXX gift card to XXXX on XX/XX/19 in exchange for a {$7.00} XXXX credit. Website states that I should have received an email with this amount in approximately 1 day, but an additional 1-3 days may be needed around holidays. When I had not received payment by XX/XX/19, I sent them an email asking for an update as their website states it is " In Review. '' After no response, I sent another email on XX/XX/19 and have not yet received a response. There is no way to cancel the transaction on the website and I can not use the card or sell it to someone else in fear that I would be committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a current debt that isn't mines, I tired several times to dispute the debt as it's affecting my credit and has even cost me additional cost when trying to get an apartment when I needed during my transition of building my new home. 

Both the company and the three bureaus have failed to provide me written proof of the this debt. I have provided proof of my current and past addresses in the last 15 years, which doesn't comply to what they have on file. The bureau continues to send info has been verified with no proof and refusing to validate the debt and continue to report the erroneous negative debt. 

Rent Debt Automated XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXXXXXX University - XXXX XXXX XXXX XXXX campus. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX- I sent my money into a savings acct. They essentially " SELL '' credit reporting. I tried calling several times to ask about cancelling, sent messages, etc, and then notified them that I wanted to cancel -- -- they do not respond, they never answer the phone, they never return messages or call back. A month later, I stopped the autopay. They reported me XXXX days late -- and I told them " I cancelled ''. So they said " we have no record '' and I said " you don't even acknowledge or respond '' So now I have a closed account, XXXX days late, on my equifax and XXXX. I really think self/lead bank need to be shut down- because they are selling credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Student Aid Experts
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Initial contact between Students Aid Experts and I were initiated upon their attempt to reach me via phone in XX/XX/XXXX. They claimed that they had reason to believe my loans were eligible for student loan  forgiveness and I had to enroll immediately to assure my approval due to shortage of funds available to borrowers interested in the program. The conversation persisted as the representative asked for my FSA ID and PIN. I cooperated with their request in order to move forward with the application process. Toward the end of the call I was transferred to a financial specialist, XXXX XXXX, who went over the terms of the agreement with me and the specifics of the enrollment process. After going over some details of the process and being promised forgiveness and a specific monthly payment amount ( upon process completion ), it was to my understanding that this company would be responsible for my loans and handling them in the forgiveness program. The agreement was for us ( as clients ) to pay three monthly installments of {$230.00} for my loans and three monthly installments of {$230.00} for my husbands loans starting XX/XX/XXXX. In regards to the installments I agreed to pay, I was under the impression, due to the information relayed to me on the phone, that it would be going towards my loans and I was unaware of their intentions to keep the funds as a document preparation fee. About 2 months after I signed the contract with Student Aid Experts, I was sent a packet of papers from XXXX XXXX XXXX and I was notified that they would be the new servicer for my loans. I had contacted XXXX XXXX XXXX via phone to clarify some details regarding my enrollment in their system. I had asked about the payments I was making too Student Aid Experts and XXXX  XXXX XXXX denied knowledge of them but proceeded to warn me of a common scam that seemed to identify with my situation. I then called my bank in efforts to stop further payments being made to XXXX XXXX XXXX and filed a dispute in attempts to get my money back. A temporary credit was issued by my bank to my account and was told that there would be launching an investigation and it would take 30-45 days. About a week ago, I received a packet of papers in the mail from my bank stating that the temporary credit of {$1100.00} was going to be reversed on XX/XX/XXXX. Because of the misleading information given to me by Student Aid Experts and the money I paid to them for services that I later learned could be attained for free, I am looking to further this dispute as I would like a full refund from Students Aid Experts upon learning that I was a victim of their scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-04-23
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt of XXXX with transWorld systems for several years now. The debt is in accurate and is not mine. I tried disputing several times and it has remained on my account. On XX/XX/2021 I called TransWorld systems and was told I can pay to have the debt deleted by An employee named XXXX. I paid the amount and asked for a letter as well for my proof. She stated that she will mail it and I told her I would rather have it emailed. She stated she could fax it instead. I gave her the fax number and she never sent me my proof needed. I would like removed off my account ASAP as it is negatively affecting my credit and my chance of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a secured card from Fifth 3rd Bank in the amount of {$750.00}. And I paid my bill with my bank debit card with available funds for the full amount. I go about my normal routine and use my card cause, I paid my bill in full. Two weeks later I look at my statement and they said I owed around {$1200.00}. I call the bank and spoke with a supervisor and they said they would fix them. The bank claimed that that the payment got declined and I owed the full amount plus interest. I told them that I paid with a debit card and they received the money. The bank supervisor stated that it was a bank error and not to worry. I called them today XX/XX/XXXX and spoke with a Supervisor name XXXX ID # XXXX, she was not the person I originally spoke with. I asked her about their procedures when a customer calls in for complaints. And what information does she have on me.I let her know that I 'm upset because she stated she only had one call on file for me on XX/XX/XXXX. And I made multiple calls about this case. I now have a charged off account in the amount of XXXX. Plus they kept my deposit of {$750.00}. That they said only has {$650.00} in an account. I told her who do I need to talk with to get this error off my report. She said their is no one that I can speak with, but she would investigate. I told her I was going to file a complaint with the CFPB and she stated she can no longer help me and they will get in contact with me. I left her with my name, number, and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have asked for Transunion to verify the accounts but I still found some inconsistencies with these accounts with XXXX XXXX # XXXX XXXX  Account # : XXXX JXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: STERLING JEWELERS, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY To Whom this may concern : As I have not heard back from you in over 30 days since my formal written notice of dispute, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief, so help me XXXX, pursuant to 28 U.S.C. 1746 ( 1 ). Witness My Hand this XXXX day of XX/XX/2021. 

I have copied the XXXX XXXX XXXX FTC & Attorney General of Washington.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22, I contacted Caliber Home Loans to initiate the process of having my home appraised with the goal of cancelling PMI due to the substantial increase in my home 's value. The Caliber associate I spoke with stated that I would likely not succeed in this process because of " investor requirements '' concerning cancellation of PMI. Specifically, the associate stated that the investor for my loan is XXXX XXXX, which requires a 2 year payment history before cancellation can be requested ( absent substantial improvements to the property ). However, the CFPB website states the following : " Loan investors, including XXXX XXXX and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). '' I believe that the 2 year payment history restriction represents an infringement of my rights under the HPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Disputed with company in XX/XX/XXXX and XX/XX/XXXX in the amount of {$300.00} when it showed a discrepancy with credit limit and amount in collection. Also name dispute. Several attempts have been made to have this removed from my credit report. Have disputed twice. Company states that they know longer have account and given there outside agency number to no avail. Tried calling the outside company and the company states that the name on file and my name is not the same and can't give me any information. Requested that they remove this from my credit report and was told nothing will happen if I can't give the name on the account.

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 2018-01-08
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creditors Collection Service has been repeatedly calling and leaving recorded messages concerning multiple medical collection accounts I have with their office. They are in violation of the act by leaving the message on a shared answering machine. As a result, the message was heard by our housekeeper, babysitter and children. This is in violation of the FDCPA. Should I decide to pursue charges, they can be fined up to 1,000 per call that we have saved. 

As a result, I want CCS to stop calling and for those debts to be paid by their agency and the accounts marked as paid. If not I will pursue legal action to make sure they are fined for the 20+ messages I have saved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX and I am currently a co signer on my sons loan with Nissan-XXXX account number XXXX. My XXXX XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Navient Solutions, LLC.
State: MN
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:
On XXXX XXXX, 2017, we sent a payoff for a Navient-serviced student loan in the amount of {$6200.00}. Roughly 3.5 months later, Navient has failed to apply the payment to the loan, make a single phone call, or draft a single letter, or take any other action with regard to these funds. When contacted, Navient acknowledges the payment was mailed to their address on their website, received, and deposited, but was mailed to the wrong Navient address. This does not excuse their unconscionable servicing of these funds or their failure to make a single phone call, draft a single letter, or take any steps to apply the payment properly. Their confusing and misleading statements about a possible refund are no longer availing.

Company response to consumer: Closed with explanation