BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I had a federal loan for {$10000.00}, last year I was going through a divorce and was n't working full time, just doing odds and ends to make money. It was a rough time for me. I was contacted by Navient and they suggested to put my loan in a deferment until I could get into a position to repay my loan. I have not heard anything from them since. 

Yesterday, I received a letter from a collection agency showing a balance of over {$25000.00}. I had no idea what it was for, so I contacted them and they told me that Navient had Consolidated my loans in XXXX and then charged my student loans are in XXXX. The woman told me the balance at the consolidation was {$10000.00}, yet when it was charged all the balance was over {$25000.00}. This entire time I have been under the impression my loans were being placed on hold. I am not sure where to turn from here. I have never been offered any type of payment plans like I have read about today. 

How can a loan go up so much in XXXX year? Is this even legal? I know when I spoke with them and they said they were going to put it in deferment status the balance was still right under the {$11000.00}. With no attempts to contact me how is this possible? 

Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I INFORMED MACY 'S THAT I AM UNEMPLOYED AND ACTIVELY SEEKING EMPLOYMENT AND DO INTEND ON SETTLING THIS DEBT ASAP. I HAVE ASKED THEM TO DISCONTINUE THEIR REPEATED MULTIPLE CALLS ( AT LEAST 7 TIMES A DAY ). 

MACY 'S STILL PERSIST ON CALLING AT LEAST 3/4 TIMES DAILY. 

I HAVE A PROBLEM WITH XXXX AND AM A SENIOR CITIZEN AND THEIR REPEATED INTENTIONAL HARASSMENT CAUSESGREAT HARM TO MY EMOTIONAL WELLBEING!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went to XXXX XXXX XXXX XXXX and had XXXX XXXX XXXX and was given a dental plan, for {$3000.00} just to have a broken tooth extracted and to have a parcel made. I sign a contract for {$3000.00} not knowing that they were going to charge CareCredit the next day for a tooth extraction... The next day I found out that they had charge CARE CREDIT / SYNCHONY Bank {$3000.00} to my account.. I immediately call and cancel the plan. I also call CareCredit / Synchony Bank and cancel payment. XXXX XXXX XXXX XXXX Cancel the plan and charge my insurance company XXXX XXXX XXXX XXXX {$230.00} for that appointment. All I received is the X-Ray and consultation for which was paid for by XXXX XXXX XXXX XXXX. The problem is CareCredit / SYNCHONY BANK is asking me to pay {$2000.00} for a cancel contract which no work was done. I have wrote to CareCredit and Synchrony Bank and I told them the dentist cancel the contract... want to know how can they ask me for money that was never paid to 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 2019-06-19
Company: COAST PROFESSIONAL INC
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My paycheck from XX/XX/XXXX had a garnishment of {$82.00} from a collection agency. The name of the collection agency is : Coast Professionals Inc. I was never informed in writing that my wages were going to be garnished. I was never informed that I could dispute the claim. This was a student loan for a online program that I signed up for in XXXX of XXXX. I never finished the class. It was a XXXX XXXX loan but was transferred to Coast Professionals.

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 2017-09-30
Company: ARC Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested verification and validation of debt per my right under the FDCPA section 809 a and b yet this company refuses to provide. I also requested them to cease telephone communication yet their auto dialer still calls me several times a day. This debt is not mine and I am demanding proof of this debt. I also disputed this debt yet its not showing as such. This is a violation of the FCRA. I also do not believe this company is bonded to collect in my state. The last four of my ssn are XXXX and my date of birth is XXXX/XXXX/XXXX. Please send proof of this debt to XXXX XXXX XXXX XXXX, TX XXXX. If I must I will seek legal advice to protect my rights. If my rights are violated in anyway I will seek actual and statutory damages against you and your client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: National Collection Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I RECEIVED A LETTER AND SEVERAL CALLS FROM NATIONAL CREDIT MANAGEMENT IN REGARDS TO AN ATTEMPT TO COLLECT AN ALLEGED DEBT IN THE AMOUNT OF {$950.00} ON BEHALF OF XXXX XXXX XXXX UNIVERSITY. I SENT A CEASE AND DESIST PURSUANT TO 15 USC 1692C ( C ) ( 2 ) AND THE ORIGIAL LETTER THEY SENT ME REQUESTING DEBT VALIDATION. I OWE NO SUCH OBLIGATION. IF THEY CAN NOT RETURN FULL DISCLOSURE IN ACCORDANCE WITH 15USC 1681G AND ALL OTHER DOCUMENTARY EVIDENCE IN ACCORDANCE WITH 15 USC 44 I CAN NOT VERIFY AND THERE CAN NOT BE ANY CLAIM OF ALLEGED DEBT IN NAME OF MY PRINCIPAL OBLIGATOR. OTHERWISE, MY CONSUMER RIGHTS ARE IN VIOLATION AND I WILL SEEK REMEDY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: GMA Investments, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received calls for many months on my home phone. I generally block these calls, however, on one occasion, I spoke with the representative of the company claiming to be XXXX ( when I asked what that stood for, he said " nothing. ) '' He then started quoting my personal information, social, date of birth, etc. I would not confirm that this was my information. These calls were made during the months of XXXX, XXXX of XXXX on multiple dates.
<P/>
I returned one call, and another person answered and asked. " Are you aware you are being sued? '' I said no. She stated that I had a XXXX XXXX bank loan from XXXX XXXX which I had not paid. She stated that I could settle the claim by paying her {$200.00} by credit card. I have never banked with any such institution. The phone numbers used were XXXX and XXXX. I feel that this was a result of identity theft. In XXXX of XXXX, someone had stolen my identity and tried to borrow {$4000.00} from XXXX XXXX XXXX in my name. I have an agency that monitors my credit and was able to stop the loan. I filed a police report. The matter was resolved. They ( identity thieves ) only had some of my information.
<P/>
I have frozen my credit and issued fraud alerts to the credit agencies.
<P/>
Starting on XXXX XXXX, then XXXX XXXX, XXXX, XXXX, and XXXX XXXX ( XXXX ) ; I began receiving calls from Summit Receivables. When I looked them up on line, like, XXXX, they were referred to as scammers trying to collect debt. One person was XXXX, another was XXXX XXXX, Department Manager. He stated this may or may not concern you. They also state that this is a courtesy call and that I must call to resolve the matter. Again, I have excellent credit but someone has either stolen my info and borrowed money in my name. But these do not show up on my credit reports. I get calls almost daily from multiple XXXX numbers but the call back number is the same, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: KEYCORP
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Keybank has repeatedly put the responsibility of obtaining title to a loan / lien that was paid in full for both a boat and a trailer.

It is regulated by the FDIC and the FTC as well as state governing banking agencies to release the lien on a paid off loan and provide proof.

It is also law to have a registered agent for service when you are an employer.

That RA does not have to be in the state doing business, it is the representative of the company, and we now live in Indiana. 
Your company will have to travel here when we sue you. 
We are going to complain to the FDIC, the FTC and your state banking commissioner as well as re open the CFPB complaint and expect monetary compensation for the process of trying to calmly and legally obtain legitimate documentation for title to the trailer for which you provided a loan. 
If you transferred this title then you need to provide that information as we have not received it, the original note ( attached ) shows you provided financing orginally for said trailer. Why are you not able to provide the title? You stated on the phone that we have to go to the state of California to obtain title, but you said the option has " expired '' in your letter so which is it? 
How this complaint is now not the same is you are putting the responsibility on us, the consumer, to obtain title for a trailer you financed and admit you did not provide final title and release of lien for, that is illegal. 
Before we simply asked for the title but now stating there is an expired timeline falls to you as well as if you sold this loan we were not notified. 
We demand all documentation of that sale, for the title of the trailer as well as your registered agent information in the state where you hold your company licensing, as well as the title for the trailer. 
If we can get it from California so can you. 
Since we were not notified of this change of title / ownership of the loan we expect due process from your company. 
As well, how are we to research this new loan / lender without information from you : i.e. no new loan number, no address, no name, no reference to the trailer? 
Since we paid the loan off after moving to Indiana you had our new address, we also had a forward from our old address and are friends with the new owners who have mailed us mail that did not forward. 
There is simply no excuse for this behavior or the fact that you dropped the ball, likely sold the loan, did not inform us and now are trying to place blame on us. 
Due process and normal course of business require you to act in good faith. 
We will not go away and the complaints will escalate and become bountiful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX/XXXX/XXXX, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked XXXX, transunion or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: CT
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX # XXXX  XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX Balance : {$58.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A XXXX XXXX XXXX ) XXXX Balance : {$890.00}

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 2022-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

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 2017-09-30
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My dispute is with a collection company under XXXX XXXX they have never notified me I only noticed when it was put on my credit report when I called them asking what this debt was she said it was from XXXX XXXX XXXX I informed her that I did not know what this bill was have never received any type of XXXX and that I had been with XXXX XXXX XXXX up until just this past XXXX of XXXX she then read me the address which was XXXX XXXX and I have not lived there and almost 4 years and change of address took care of that problem had they had sent me anything I know nothing about this debt when I asked for a email or a copy she said that I would have to get online and go to a file number which is XXXX but in order to access the information I would then have to give her my current information as my current mailing address my current phone number and I asked her why she would not already have this if this was a legitimate debt from XXXX XXXX XXXX so I have no idea what this {$260.00} is she 's talking about she wanted to give me a 25 % discount to pay off immediately I told her I was n't paying anything until I knew what I was paying she 's in sternly said I told you it 's an XXXX XXXX XXXX bill and I said well and I told you that I paid off my contract and for the last year I was month to month so I should n't no way have jeopardize a contract with XXXX XXXX XXXX or they would have told me before XXXX of this year when I cancelled so I honestly do n't understand why these people can do this and harass and be rude and I would like this cleared up and I do n't know this debt please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: EQUIFAX, 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:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, XXXX XXXX XXXX for {$800.00}, XXXX XXXXXXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CHXXXX - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, XXXX XXXX COMMUNICATIONS for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX XXXX : XX/XX/1970

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/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