BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Comenity Bank has violated the FDCPA by causing my phone to ring with an automated telephone call requesting payment of an alleged debt on XX/XX/2022 at XXXX and XX/XX/2022 at XXXX. These calls are a violation of 15 USC 1692c. Comenity Bank has sent me an electronic mail message and letters stating it was attempting to collect a debt, using its symbol in the communication ( an email ) which is a violation of 15 USC 1692b. Pursuant to 15 USC 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) NOT STATE THAT SUCH CONSMER OWES ANY DEBT ; ( 3 ) NOT communicate with any such person more than ONCE unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Terminated the lease of the car in XX/XX/2017. The finance company resold the car for more and will not remove the account from my credit after multiple requests to do so. Fraudulently submitted an auto claim to my insurance company without my knowledge or approval. Repeated phone calls to personal phone, employer and credit inquires

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 2017-02-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX, XXXX, CA XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX MEDICAL XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX THIS IS NOT MY ADRESS XXXX, XXXX FL XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY XXXX ADDRESS : XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX, FL XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within XXXX business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA XXXX ( b ), XXXX U.S.C. XXXX XXXX ( b ) XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt XXXX, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention

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 2022-03-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have continued to dispute XXXX XXXX XXXX XXXX due to theft. its been one year from last dispute and Experian has failed to investigate per the fair credit reporting act and the cares act.. at one point I was willing to pay the account with settlement from the company due to me being a XXXX XXXX victim and was trying to find housing. this account was establish during the XXXX XXXXXXXX. the police did find the car eventually and XXXX XXXX XXXX decline to pick it up from storage due to it being wrecked. XXXX XXXXXXXX also want me to sign a statement stating that I had the car in my processing all that time which will not be a correct statement. 

Experian has also continued to provided a statement to creditors when I'm applying for credit stating I have seriously derogatory delinquencies meaning more than one and other factors that play in the denial of my application. 

since I have almost recovered from id theft I have paid my bills on time and Experian has continued to keep my score at a minimal to prevent me from applying for credit.

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 2015-05-08
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Greetings - I have been attempting to clear an item on my credit report that was reported by Citicard. It took me 3 weeks and XXXX phone calls to Citicard to research this item that was not recognizable to me. Citicard repeatedly told me they did not have any information on my account and to call back later. I continued to call Citicard back repeatedly and continued to receive the same statement. 

Finally, on the XXXX call, I pushed to speak to someone else and was finally turned over to Citicard 's Internal Recovery Dept. At this point, I did not have the time or energy to purse this charge as a fraud as I am in the midst of applying for a mortgage loan. I told the Citicard associate that " I just want to pay off the debt ( the outstanding balance was minimal, {$260.00} ) so that I could close this issue. '' She told me could pay over the phone, then call back in 15 days to get a zero balance letter. I said I needed the letter sooner, can I call back once the check had cleared. The associate responded yes. 

( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. 

I clearly and specifically asked the associate who took my payment if I could call back once the payment had cleared and get the letter, and she said yes. This morning, I spoke to XXXX associates who refused to send me a letter. The XXXX Citicard associate admitted ( XXXX was her name ) I was given erroneous information by the Citicard associate when I made my payment. 

During each phone call ( XXXX in all ) Citicard attempted to collect personal data from me ; phone number, email, place of employement, etc.. I refused each time. But Citicard continued to request that I update their information on file. 

Please note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On  XXXX   XXXX ,  2017  - I received notice from  XXXX  that  my IBR re newal had been processed ( based on the IRS online tool I use every year ) and that I owed {$0.00} a month, despite my income increasing by 30 %. I called them and apparently the IRS had reported my taxable income as  XXXX . They forwarded me paperwork immediately and I faxed it to them on  XXXX   XXXX . It was processed on  XXXX   XXXX , correctly, e xactly two  weeks later. My experience with them was simple and excellent.     I also faxed my informatio n to Navient t hat same day,  XXXX   XXXX ,  2017 , as I assumed the same thing happened with them. I called them and they confirmed that they had recieved my paperwork and were processing it. On  XXXX   XXXX     2017  I recieved a notice that my new payments for the year were again  XXXX . I contacted them via chat and they claimed they never received my faxed paperwork, but if I uploaded it today it would be processed wit hin 5-10 minutes. I called 20 minutes after uploading my information and they claimed they had received it, but that it would take more than 2 weeks to   process.     I am deeply concerned that this will affect my Forgiveness program or set me up for legal action later taking the blame for a mistake th  at Navient made. Given the recent lawsuit, this sounds pretty typical on their behalf. I 'm also concerned that this has happened to other borrowers who submitted their paperwork and simply relieved at the lower payments, and never thought to check further, putting their trust in Navient.
I still do not have my problem resolved, so I wanted a record of the situation submitted to the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2019 {$82.00} XXXX XXXX XXXX company catalog company stated balance due. on XX/XX/2019 I rec 'd letter stating good news..there is a XXXX  balance on your acct. fast forward XX/XX/2019 I made an order in total of XXXX.. all items I purchased went thru credit card OWNED by XXXX  XXXX XXXX/ XXXX XXXX, per their recommendation. All items were returned with tracking and signature confirmation to the company,, due to poor quality and incorrect sizes. between XX/XX/XXXX-XX/XX/XXXX..No credit issued for my returns. Was promised at that time that supr " XXXX '' would call within 24-48 hrs to resolve situation. he never called.. I have no  merchandise. This company has harrassed me for over 10 months and has affected my health and affected my credit score. still sending me bills latest total is over {$350.00} ... ALSO STATING ANOTHER COMPANY IS now GOING TO COLLECT. I am in dire need of your help please. I tried to settle this on my own and as you can see I got nowhere. This company is fraudulent and harrasses people. I have proof of all my intentions to settle this if you need copies. I want my personal credit score fixed please. I also want peace of mind.. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Texas Guaranteed
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: Account status incorrect

Complaint:
Creditor started listing student loans as in collections during period they were included in bankruptcy ( after I started voluntarily repaying them during COVID relief ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech bought my home loan from XXXX. Ditech did not pay my insurance or taxes like they were supposed to. Ditech finally paid my taxes but they are trying to slip my late fees into an HOA payment. I do not have an HOA and what they are doing is fraud. I have never missed a payment nor have I been late. They refused to take any responsibility for the late tax payment or making my homeowners insurance get cancelled.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On   XXXX   XXXX  ,  2017   , I had given a friend of mine my debit card to temporarily use. He had informed me that there was going to be a lot of transactions and deposits going to my bank account, and also asked me for my online banking login information. He told me not to worry and assured me that everything would be fine. Taking his word, I did not worry at all, although I was observing his activity from the online banking system.     The next day, I received some text notifications from my bank that my checking account was placed on a restriction due to the amount of activity associated with it. Not worried too much by it, I contacted the bank and cleared the restriction. Before the day had concluded, my online banking access had been completely revoked.     On   XX/XX/XXXX , I had co ntacted my bank to ask if my paycheck from my job ( which was direct deposited on that day ) was in my checking account. They told me that it was, but I would not be able to receive it due to checks that my friend had deposited to my checking and savings being considered counterfeit. They told me to give them until the   XX/XX/XXXX  to th oroughly look at the checks to see if they were real or not.     When the     XX/XX/XXXX  came aroun d, I had contacted in the early evening to learn that the checks were returned and that the only available funds out of both my checking and savings was {$290.00}. They also provided me the process for how to receive the funds.     The next morning, I went to a banking center to withdraw the above mentioned funds from my checkings while distraught by the realization of all that happened within that short couple of days.     I did n't learn of my accounts being officially closed until I went to a banking center  on the  XX/XX/XXXX  attempting t o clear a small negative balance in my savings 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 2015-07-09
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I recently established an account with XXXX ( XXXX ) in attempts to settle my debts so I do not have to file bankruptcy. I have made written/verbal and cease of communication notice to this company XXXX One Main Financial XXXX and they continue to harrass me not only at home, but on multiple cell numbers and at work twice after a cease of communication notice was sent to them XXXX/XXXX/15 and confirmed receipt of this by a threatening call from the owner of the local branch XXXX XXXX XXXX XXXX. One Main Financial has continued to call my workplace with threatening tatics, etc. I received another call at work XXXX/XXXX/15 at XXXX from XXXX with One Main Financial and again requested verbally that she not contact my work number. I have given their company contact info ( Phone/address, etc ) for XXXX which is now attempting to settle my debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: ME
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have recently bellied up in a business endeavor over the summer which is leading me to have to proceed in filing for bankrucy. Both business and personal. I have lost everything this summer and barely can stand on my own two feet right now.

My federal school loan collectors have called me as much as 27 times one day. I have spoken to them numerous times that I am unable to afford and pay my school loan debt at this particular time. Unfortunately, the harassment and calls have gotten even worse.

I have applied for FAFSA as I am reapplying for college to finish my degree. I am o the cusp of filing for bankruptcy and I need these people to please leave me alone til I can get back on my feet. 

I have spoken with an attorney that has advised me to record and collect the daily harrassment, as well as recording calls ( when I do answer ) and emails that deem in an almost threatening kind of manner. 

My credit has been absolutely destroyed by defaulting on my school loans. I feel taking a federal loan for the prospect in obtaining a degree was a burden that has completely destroyed the next decade ( 7 years ) of trying to get a mortgage, or even to attempt to get a car loan in the near future. Without any credit, except reoccurring defaults, I feel destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
The Sears-Citi credit card website payment page understates the minimum payment due. For instance, this month my minimum payment was about {$30.00}, but a check of my account statement, downloaded from the site, listed my minimum payment as about {$120.00}. This has been going on for 6 months. As a result, I 've been paying more in interest charges than I would have if the website had not misinformed me that I owed a minimum payment that was some {$100.00} less than I actually owed. 

I attempted to resolve the issue using the website 's chat facility, and the contact did refund my latest month 's interest charges of some {$25.00}, and promised to bring the matter to the attention of the concerned department. I have n't done the math, but it seems likely that underpayments of {$100.00} per month for 6 months would put me a bit more in debt than {$25.00}, as the interest rate is 25.24 %. Before I was overdrawn, no interest was being charged at all, and after becoming overdrawn in XXXX, 2015, the interest charges were $ XXXX- $ XXXX/month, for an average accumulation of about {$150.00}.

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 explanation
Consumer complaint received 2020-03-12
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I currently have a VA mortgage with Freedom Mortgage. I received a call from a Freedom Mortgage loan official about a no cost refinance. He told me there would be no cost for me to do a refinance and my interest rate would be lowered. He also said the current number of months of the existing loan would stay the same. I asked if he was sure there would be no cost to me and he assured me there was no cost. I told the individual to send me the loan information and I would consider the proposal. The first documents I received showed my current loan balance and months of loan staying the same and the interest rate lowered by 1/2 point and there were no additional costs. Since it looked as he explained I started the loan refinance. A couple of days later I received closing documents to sign, however the loan amount had increased approximately {$3500.00}. I contacted the loan officer and asked about the difference and he told me it was not costing me anything. He said it was my escrow balance rolling over. I said why did the loan amount go up and he kept trying to explain it wasn't costing me anything. I said if my loan amount increases it is costing me something. I then instructed the loan officer to cancel the loan application. I then started receiving call after call from the closing department to set a date for closing. I told them I had instructed the loan officer to cancel the application. I believe they were trying to badger me into signing for a loan that was not what was originally explained.

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 2016-11-01
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company is sending me false documents. The letters have the exact contact information and pretty much the same letter but they changed name to original creditor on the NOTICE of INTENT. Also, they stating I have not dispute and I have confirmation that they did receive my disputing letter. I also called XXXX XXXX XXXX and they are unaware of this letter. If these accounts is not deleted IMMEDIATELY from all XXXX credit bureaus, I will file a lawsuit! 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation