BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan provider serviced my federally-backed student loans. This student loan provider is Navient. There are a number of issues with the company which reek of corruption to say the least, but the most prevalent issue I have is this. My federal student loans ( not private loans ), should have been covered under the CARES Act provisions that are still effective. As you know, the provisions set forth to protect student loan holders during this international COVID crisis included the interest rate to be set to 0 %, and current forbearance, and a stop on any wage garnishments on any current loans. Despite these provisions, Navient continued to harass, threaten, and bully as they so often do. In fact these same federal student loans were just recently sent to collections, XXXX, who now threaten legal action against me. On a phone call to this agency, the representative on the line admitted to knowledge of the Cares Act and tried to explain the fact that these alleged loans were now owned by them, that the Cares Act and the provisions set by the government do not apply. I reiterated the fact that these loans never should even have gone into default ( just this past week ) in the first place due to the fact that the Cares Act protection provisions are still in place. This behavior is illegal. Not only are the over-inflated price-gouging actions taken by Navient outlandish, they decided to ignore the provisions set by XXXX outlining protection to student borrowers such as myself during this time. Now, this collection agency is no longer involved with the student loan policies ( according to them ), and thus these rules do not apply, according to them. Navient 's behavior is scandalous, to say the least, and this is in direct violation of the protection provided to student loan holders such as myself during a pandemic, nonetheless, the worst I've seen yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
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 am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Bliksum, LLC
State: CA
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:
Loan me has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. 
I filed a dispute with XXXX on XX/XX/XXXX because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX and then my loan was charged off. 
This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX - until paid off on XX/XX/XXXX after my loan from loan me was sold to them. 
Under the fair credit reporting act loan me has violated my rights. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan in  XXXX     2016 for  {$550.00}. I called today to inquire about balance. The balance is over {$1000.00}. They said they charge a reoccurring finance fee. They are under " tribal law '' so they operate differently. They would only agree to stop the additional fees if I set up a payment arrangement for {$1000.00}.     My fault for not seeing or inquiring about tribal law. However doing business in t he US then US law s should prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am enrolled in a XXXX update program and every year in XXXX i get a new phone from apple using their financing company called XXXX XXXX. 
Unfortunately this year i got denied with the following motivation " UNSATISFACTORY CREDIT EXPERIENCE WITH OTHER CREDITORS ''. 
I immediately ran a credit report on my XXXX and everything looked good as usual except for an illegal debt collection activity. 
On XX/XX/XXXX, the company CAINE & WEINER COMPANY INC submitted a collection debt for the insurance company progressive. 
The amount due is {$230.00}. 
The date of First Delinquency is XXXX XXXX, XXXX. 
The Date Assigned is XX/XX/XXXX. 
I want to clarify that the debt is not mine for the following reason : I am originally from XXXX and i moved to XXXX on XX/XX/XXXX, after that date i got all my document including SSN, DL and immigration documents for that reason the debt it can't be mine. I Have never had an account with them. 
This illegal practice is causing several problems and i really wan to fix that legally. 
I absolutely don't want to pay a debt that is not mine. 
I am willing to provide any documents you need to fix the problem. 
Kindly Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: STATE FARM BANK, FSB
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I became XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX XXXX XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX XXXX until XXXX, XXXX, when XXXX XXXX XXXX cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX XXXX since XXXX. XXXX XXXX XXXX acquired homeowner 's insurance for the house from State Farm Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, XXXX XXXX XXXX sold the mortgage to XXXX, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that State Farm Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that State Farm Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with State Farm Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to State Farm Bank on the altered bankruptcy record for XXXX Attorneys at Law for State Farm Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a State Farm Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which XXXX XXXX XXXX has sold to XXXX. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an XXXX to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against XXXX and XXXX. These complaints joint the XXXX already filed against XXXX XXXX and XXXX XXXX XXXX. XXXX other note is that, when I asked XXXX XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against State Farm Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My problems began with Santander Consumer USA on XX/XX/XXXX the day I signed the loan contract. I then discover that the dealer ship that did my finance paperwork XXXX put the wrong date that the loan was effective. The put that the loan date was on XX/XX/XXXX which is fraudulent. I tried on numerous occousions to get Santander to correct this but of course they did n't. Fast forward to XX/XX/XXXX thats when I started getting the billing issues. Keep in mind that I never missed a payment and according to the loan contract if i was ever late with a payment the late fee was XXXX for each occurrence. Also the monthly payment amount that was stated in the loan contract was XXXX. In XX/XX/XXXX they have sent me a bill for XXXX almost triple my car payment, In XX/XX/XXXX they sent me a bill for {$560.00} again almost triple what my car payment was supposed to be. As you can see in the statements i keep sending in my regular car payment but I never got proper credit for it. I called them on numerous occousions for them to correct the issue but they never did. The billing situation got so bad that i was forced to let them come get the car you will see this in the billing statements. After the voluntary repossession which happened on XX/XX/XXXX they did not send any of the required documents via certified mail that i was supposed to have received. Occording to North Carolina law i was supposed to have received a certified notice to how many days i had to pay off the vehicle before it went to auction, never received that. Also after they auction off the vehicle i was supposed to received another certified notice saying how much they sold the car for and how much i still owed on the car. Never received that either. So that alone makes this very unethical and possibly an illegal action. After the reposation and the selling of the car i would get harrsing phone calls non stop on a daily basis from Santander saying one day I would owe XXXX on the account then the next day they claim I owed XXXX and so on so. The amount they claimed i owed was very inconsent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a 100 % rated XXXX XXXX XXXX Veteran and Caine & Weiner are attempting to collect a debt that I do not owe them, and it is causing undue stress and financial strain. I believe an account that misstates a debt owed to XXXX in the amount of {$340.00}, was purchased by Caine & Weiner and illegally reported to the credit reporting agencies as a collections. The debt in question is from the creditor XXXX who illegally sold my debt to Caine & Weiner who are now illegally attempting to collect a debt I do not owe them. According to 12 CFR 1006, 1006.34 Notice for validation of debts, Caine & Weiner must provide proof that this debt is valid by producing a hand signed copy of my consent from Progressive, that is supposed to show that I gave Progressive my expressed written permission to sell a debt they say I owe them. And under 12 CFR 1006, of the Fair Collections Practices Act, 1006.38 Disputes and requests for original-creditor information, it is my right as a consumer to dispute this erroneous reporting of this collections to the credit reporting agencies. So per 12 CFR 1006, 1006.38, all reporting of this collections on my consumer credit reports must cease until Caine & Weiner can provide the signed consent with my written signature from Progressive, stating I consented to any debt they state I owe them would be sold to a collections company. If they can not furnish this signed consent from XXXX, this collections must be permanently removed from my credit profile with XXXX, XXXX, and XXXX if they want to avoid the filing of a civil suit for damages the filing of this collections on my consumer credit reports have already caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Red Cedar Services, Inc
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are trying to collect on a Debt that I DO NOT OWE!!!!! This debt was paid to them in full on or about XX/XX/2019 according to my bank, I have TOLD 500 fast cash this Numerous times, and still they call me trying to collect, IM NOT PAYING THEM ANYMORE MONEY, I PAID THEM ALREADY, and yet they keep harassing me and wont STOP, Ive called them Numerous times, emailed them Numerous times, gave the PROOF the debt was paid, yet they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit score and collections are inaccurate

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 2022-10-30
Company: Experian Information Solutions Inc.
State: IN
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:
UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-24
Company: Lendmark Financial Services
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, I received a letter from Lendmark Financial stating that they had recently bought out XXXX who I originally took my loan out with. The letter stated that effective XXXX XXXX, my direct pay would be cancelled. All subsequent payments could be made online or by setting up direct pay with Lendmark. On XXXX XXXX, I spoke with the branch manager, who took my payment over the phone. She stated that she would send me forms to complete the XXXX XXXX enrollment process. I received the forms but have not signed and returned them to the branch. On XXXX XXXX, my account was debited for the monthly payment of {$240.00}. Given that Lendmark 's letter and website state that my direct pay was cancelled beginning XXXX XXXX, I was not expecting to have my bank account debited and was actually going to mail in my payment from another bank account that I wanted to use. On XXXX XXXX, I received a letter from Lendmark confirming my authorization for an electronic debit that was done on XXXX XXXX at XXXX which subsequently posted to my bank account in XXXX XXXX. I did not authorize that payment. I also called the XXXX branch and spoke to a rep who told me that because I previously had XXXX XXXX set up with XXXX, that they have a right to debit my account. I explained to her what the letter from Lendmark stated and what is listed on the website regarding the direct pay cancellation. She advised me that regardless of what the letter or website states my bank account can be debited. I again advised the rep that they do not have my signature authorizing the new direct pay enrollment. This unauthorized debit, cost me {$70.00} in overdraft fees. I have since mailed a letter to the XXXX, VA branch and the corporate headquarters revoking their right to debit my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with Blatt, Hasenmiller, Leibsker and Moore, LLC about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX of XX/XX/XXXX, Medical Data Systems began reporting two medical collections from XXXX XXXX Hospital in the amounts of {$330.00} and {$2000.00}. I do not owe these amounts, as I was employed with XXXX XXXX at the time of treatment and told, directly, that anything not covered by my insurance would be written off as charity. This is a practice the hospital regularly engages in, and I should think Medical Data Systems is aware of this. I never received a bill from the hospital, so of course I assumed this was done and I had nothing to worry about. In XX/XX/XXXX, I was denied a loan and found that I had these collections reporting to bring my score down. This was the first Id heard that the debts existed and I disputed them with the various reporting agencies. They were verified as accurate by Medical Data Systems and continued to report. I then attempted to dispute the debts with Medical Data Systems directly, on XX/XX/XXXX. It has been almost three months now and I have received no response. The collections remain on my credit reports. I do not understand how they report debts and verify them without any proof, especially when directly asked for the proof.

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 2017-07-20
Company: WELLS FARGO & COMPANY
State: TX
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 went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also wells Fargo and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

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 2022-10-30
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
So on XX/XX/2022 my bank account was charged {$30.00} on a supposed XXXX to Fortiva. AS per my previous complaints I paid off this credit card... they claimed payments were reversed by my bank which they were not. Previous to this date I had pulled my permission to charge my account for any reason via a telephone call on at least two occasions in the previous week... .I was told my account was closed over a year previous after I had made payments again totalling approx {$380.00} thus having made these payments twice. Now over a year later they are claiming these same payments were reversed again.. I'm not playing this game anymore!. So on XX/XX/2022 I get a letter seemingly to appear an account was opened in my name by this company to start charging again late fees and interest... this again was without my consent ... .I paid off this account ... funny how I am 100 % on time for every other bill and credit card I have except these people... I demand an investigation of their computer system I believe it's buggy and faulty. I am not the only person who has had this issue with their app and card... read the reviews

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
Please remove these addresses from my credit report as I have never lived there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief