BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This has been calling to many times in a day time. I believe that ina weeks time they called me almost a hundred times. In one day I had 32 Voicemails from this company. This has to stop these people are calling my family, friends, and place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXX XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX XXXX XXXX has tried calling me, however I expressed that I would file my dispute in writing.

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 2016-10-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am a long time customer of Belk 's, a department store in XXXX, N.C. I have had a credit card with this company since XX/XX/XXXX. Last year Belk 's credit card was bought by Synchrony Bank. I have always paid my bill on time and I have always paid by check. On XX/XX/XXXX I received a letter from Synchrony Bank that falsely stated it had reviewed my account and " discovered a number of dishonored payments '' and based on this was " suspending your charging privileges ''. When I called to complain about this false statement and to demand proof of their statements, the bank rep refused to produce any evidence. The rep falsely claimed that I paid by credit card with an incorrect account. This assertion was false. Accordingly, I offered to produce my cancelled checks. They continued to assert that I had paid by credit card. I demanded to know if they intended to report this false statement to the Credit Bureau. They admitted I had not paid late and therefore could not report these false assertions to the credit bureau. In addition, this bank called numerous times falsely accusing me of having paid with an incorrect credit card account. We closed the account. Although I ultimately will not suffer harm from Synchrony 's false statements, I believe this bank should be investigated for false and fraudulent conduct. Also, Belk 's should understand what the bank is doing and how it is harassing customers and how it is engaging in false consumer loan practices.

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 2016-12-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns is repeatedly calling from different numbers and have called 7 times today alone, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX the bill is only 4 days late and will be paid tonight but they are harassing us over 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: Meridian ARG Inc.
State: NH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was contacted by a collection agency on a pay day loan. A man named XXXX said I owed on a pay day loan and he was a mediator hired to resolve the debt before charges were filed against me for check fraud. I asked for verification to be sent to me he said all he could do was email me his information. He would email and I needed to call back by XXXX the next day. I explained I needed more information. I received an email with no information on the company I owed the debt to only that it was from XX/XX/2010. I researched the number on line and found numerous complaint so I did not call back. The next day my husband started receiving phone calls threatening criminal charges against me for check fruad. He told XXXX he knew nothing about the debt and he would give me the message. I then received a call from my daughter as this XXXX person called her 3 times saying I was being served a court summons for check fruad and to tell me to contact a lawyer. Day 3 XXXX called my daughter again left a voice mail with my date of birth, last 4 numbers of my social security number and that I was being served a court summons at work Monday for criminal check fruad. Also stated not to return call he was sending the information to XXXX County Court House immediately. I have saved the voice mail as proof of this violation of my personal confidential information that is being carelessly left on voice mail that clearly states is not my phone. This agency is harassing my family members stating I committed fruad and need to contact a lawyer to exspect a court summons. These call are coming multiple times throughout the day. 
The number the calls are coming from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: USA Credit Solutions, Inc
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Disclosures

Complaint:
Contract is misleading advising you can get a refund after your terms and also within 10 days of signing a contract. Within the 10 days you will not make a payment till 1 month later so how is that a refund? Since I signed a term contract which I had paid in full and still nothing was clear within my debt. This company also advise they keep 51 % of my money and only pay off the debt with 49 % which does not make sense at all. This company is not coming clean when i ask them questions and when they answer it does not make sense at all. 

*CUSTOMER SERVICES NOT GOOD *CONTRACT DOES NOT ADVISE WHAT THEY SAY *COMPLAINT TO THE MANAGER AND THEY HE ADVISE HE IS THE OWNER?? 
*CONTRACT IS MISLEADING *MANGER YELLS BACK AT ME WHEN I AM ADVISING THEM ABOUT THERE SERVICES AND WANTS TO KEEP MY MONEY FOR NO WORK DONE *AT THIS POINT I THINK THIS COMPANY IS A FRAUD/SCAM *CALLED THE OFFICE I SIGNED UP WITH, CAN NOT ASSIST THAT I WILL NEED TO CONTACT HEADQUARTERS * CAN NOT PROVIDE PROOF WORK WAS DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: MSW Capital, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Recently I was notified via the XXXX XXXX XXXX XXXX that MSW Capital LLC and XXXX XXXX Bank are attempting to collect a debt for a credit card account that was opened fraudulently. I went to court to file a motion to vacate a judgement in the plaintiffs favor since the documents that were supposedly served to me never happened. In fact the court stated that the service of notification was " problematic ''. In an effort to prepare for a future court date, I have attempted to contact MSW Capital and XXXX XXXX ban in order to garner necessary documentation on how this account was opened. I spoke to XXXX XXXX XXXX Bank representatives who apparently are located overseas and have proved to be of little assistance to getting all documents related to this case. I simply want information on how the account was initially opened and all supporting documents related to the account in question. The judge has continued the case in an effort to allow me to refute ownership. In speaking with the representatives at XXXX XXXX Bank, the account was opened online and there is not a signature card or agreement that supports their claim that I opened the account. It is my belief that a family member who was down and out on their luck utilized information they stole from my office in my home to open an account. I did not provide my information to anyone or make it available to anyone. Therefore I question the validity of the debt collection and the efforts of MSW Capital and XXXX XXXX bank, respectively, on the opening of the account and the credit collection efforts for an account that was fraudulently opened in my name.

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 2017-02-24
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened an account sometime last year, and I had to move all the way from XXXX to XXXX. Because of that I lost my job, obviously, and I 'm trying to find a new XXXX. I get calls from random out of state numbers sometimes every 5 minutes, and I get 30 a day. It 's impossible for me to find a job or keep my line open for employers to contact me or vice versa. I also get calls sometimes at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: SLM CORPORATION
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I am a co-signer on my son 's private student loan. He is entering his senior year of college and just filled out the paperwork for his last loan through Sallie Mae. The prior two years the fixed interest rate XXXX with me as a co-signer ) was 6.25 %. This year, the interest rate has increased to 9.25 %. When I talked to a manager, she said that the prior XXXX loans on my credit history made the interest rate go up. I have a good income, little debt and feel like Sallie Mae is just taking advantage of the fact that they have a near captive audience and can therefore raise the interest rate by 3 %, even with a co-signer. My son is attending the University of California XXXX. He has another undergraduate degree, so does n't qualify for federal loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Advanced Collection Bureau, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX at approximately XXXX I received a call from XXXX XXXX with advance collections bureau in regards to account XXXX creditor XXXX XXXX {$1700.00} I was very confused when I received his call I had no idea what he was taking about I asked XXXX to please provide documentation for what he was taking about he later sent me an email with a move out invoice a lease agreement from XXXX XXXX apartments after I review the information I recognize the account o signed 6 months lease for apartment number XXXX XXXX XXXX with XXXX XXXX apartments in XX/XX/XXXX. 2 weeks into the lease the apartment upstairs cought on fire and I was ask to move out because my apartment had water damage and the roof could collapse. Now a year later I receive a call from a collection agency claiming I have a past due balance with XXXX XXXX apartments for apartment number XXXX please note I never signed a lease for apartment number XXXX. The lease I sign was for apartment number XXXX. Today XX/XX/XXXX I received another email from XXXX with a different amount of {$1000.00} but again no lease agreement for apartment number XXXX. He sent me a copy of the lease agreement for apartment XXXX where it shows clearly that someone changed the number XXXX to a XXXX. Please see images below.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2016, I requested a cease and desist letter with the lenders of my car loan, Consumer Portfolio Services. I have also requested that I do not receive and text or automated call from this company. I have never been over 15 days late on my car loan and while I understand that this company has a right to inquire on a debt but the numerous calls, sometimes 3 or more a day is simply out of control. This company has continued to ignore my request and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Wells Fargo refused to accept my loan payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am legally XXXX. They knew my condition when I went there, they told me I can find a job, make enough money $ XXXX or more per hour. and they help to find a job.they promise to me I 'll be a XXXX after graduate but the reality is to be a XXXX people need many years and the salary in normal XXXX is {$9.00} per hour. 
They only want me to take a student loans and they help to file forms. They accepted me also without a high school diploma I do n't have. I never graduated. 
I an receiving SSi from the goverment and food stamps, I don ' t have money to pay. 
For the Federal loan I amapllyg for a forgivness. 
All the tests I presented during the classes were excellent even I knew all the answers were wrongI have been victim of a fraud XXXX. 
They lied, any XXXX in Usa can hire me because I am blogging nd for safety policies, and insurances companies do n't allows put people on risk. 
The XXXX did n't give any of the contracts with them neither loan papers, neither svholl books or any material if the classes in audio or big print fir ne to read. They accept me only to get a comission for a student enroled. 
I have my XXXX certificates U am legally XXXX, and I went to thevinterview XXXX with a friend. 
I am receiving Ssi help from the goverment and food stamos, i can ' t get a job and tcosigner ca n't affiraffirdto pay the loan. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After XXXX job losses I hired XXXX XXXX XXXX to settle all of my CC debt. Synchrony Bank formally XXXX refuses to speak to any third party, so I got it set up with my debt co to allow me to settle the debt and they would send a check to them. I work during the week and the hours that Synchrony is open so having a few minutes free during a week day I decided to call them to get an settlement amount from Synchrony for XXXX to get them paid, now Synchrony is telling me I have to call back next month on XX/XX/XXXX or XX/XX/XXXX because that is the only days they will discuss a settlement, this is just a way for them to keep adding on fees, they are refusing to discuss a pay off therefore I feel they should n't even get one at this point because I 'm making an effort to do something about this when I hired someone else to take care of it and they are making a pay off very difficult to even get.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

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 2017-01-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Synchrony Bank has XXXX of the worst phone IVR systems that forces you to speak instead of inputting number options. This causes extreme frustration to a consumer by the time they speak to a human. I will be doing everything in my power to never give Synchrony XXXX more penny of my money. After 15 minutes trying to navigate the system, you then can not even get account information for a card that I OWN and need a number for immediate payoff. There is a reason this company is at the bottom of the cesspool.

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 2016-05-24
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was assigned account number XXXX for a XXXX Nissan Rogue in the amount of {$11000.00} from XXXX /Consumer Portfolio Services XX/XX/XXXX I never received tile and ultimately the vehicle. When I inquired about this account I was told XXXX XXXX XXXX was ultimately responsible for the vehicle and suit was filed against the company. I was told I would receive in writing a letter to present to the credit bureaus removing this debt as part of the class action lawsuit against consumer portfolio. During the investigation two years ago it was determined that the vehicle in fact was never registered and the loan and title was not properly processed by XXXX and Consumer Portfolio and the vehicle was in XXXX XXXX XXXX possession. 


Again, I am asking for this account to be removed from my XXXX credit report as it has already been removed from my XXXX and XXXX. Please send in writing to my address below when this account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, OH XXXX SSN # XXXX DOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The statue of limitations has expired on the debt in question XXXX it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff XXXX XXXX XXXX XXXX waited too long to bring this case XXXX laches ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I lost my job at the beginning of this month. My bill with Conn 's was due on the XXXX. I do n't have the money. I 've received XXXX phone calls this week. XXXX of them TODAY. I have spoken to XXXX different people in total. I made them aware last week that I could not pay and can not make payment arrangements as I have no guaranteed income at this time. Today I was informed they will continue to call me until I pay them. That there is no limit to how many times a day they can and will call me. This is pure harassment. All this is doing is making an already stressful situation worse and keeping my phone tied up while I 'm trying to look for work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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 lender, HESAA ( a state of New Jersey student loan agency ), granted me a forbearance in light of a Covid hardship. However, HESAA failed to properly process that forbearance and as a result, misreported delinquencies to all three credit bureaus for the months of XXXX 2020. HESAA has since acknowledged its error and seemingly corrected the misreporting with XXXX and XXXX, but there has been a complete breakdown in communication with XXXX. 

HESAA has confirmed multiple times, in writing, that no delinquencies should have ever been reported -- they do not dispute whatsoever that the initial mistake was theirs. However, HESAA keeps saying that they have done everything possible to correct the matter with XXXX, but XXXX must be failing to make appropriate corrections on their end. 

XXXX, on the other hand, claims that HESAA continues to indicate delinquencies for the months of XXXX, notwithstanding several formal disputes that I have initiated with XXXX. With regard to those disputes, HESAA claims that they were never contacted by XXXX regarding any dispute, while, as noted, XXXX claims HESAA was contacted and indicated the delinquencies should remain on my credit report. 

I have attempted for more than SIX MONTHS to resolve this. There is seemingly no way to bring HESAA and XXXX into contact with one another in a way that transmits an accurate correction of my credit report from HESAA to XXXX. I have ample documentation confirming everything explained above. 

My primary contact at HESAA is XXXX XXXX, whose email is XXXX XXXX

Company response to consumer: Closed with explanation