BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
About 2 months ago, I received a notice of debt owed from Nationwide Credit , Inc ( www.ncirm.com ). I was not worried about it because the last 4 of the account number, the amount and the middle initial of the owner did not match my own personal information. 

I bank with XXXX XXXX XXXX and the account in collections is also through the same bank so I contacted XXXX on XXXX/XXXX/2022. I spoke with the collections department, and they verified that neither the account number nor amount matched any account I have or have ever had. 

I wrote to Nationwide Credit on XX/XX/2022 clarifying that I am not the named party and requesting debt validation in the hopes that they would realize their mistake. Fast forward to XX/XX/2022 and I received one page of the debt validation report which contains all of the named party 's personal information. His address, DOB, SSN, his email address. 

This is incredibly irresponsible on the part of Nationwide Credit , Inc . They have given me, a stranger who lives XXXX miles away in a different state, access to all of this man 's personal information simply because our first and last name 's are the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CARS Acquisition, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a XXXX from XXXX XXXX of XXXX. I soon learned it was a lemon.I 'm aware of Georgia 's lemon laws, but I can not and will not sit back and let both XXXX and Car Financial Services rob me and countless others. If you take a look on XXXX XXXX page, you will see numerous complaints about the vehicles they sale and the owners criminal history of robbing and lying to customers. Because of the constant repairs, I was unable to keep up with car payments to Car Financial Services and very high and required full coverage insurance. A lot of times I had to choose between car payment, insurance payments or mechanical fees, when car payments were chose, the vehicle sat inoperable. Out if the almost 2 years of financing the vehicle I drove it maybe 18months. During XXXX the car was running, no where near at its best ( no heat, no AC, overheating, front end axle rattling, water pump going out ) but it got me back and forth to work and it started without a problem. I knew the car was in danger of being repossessed and honestly I was over it, I wanted them to come get it, in which they did on XXXX. I just was recently notified of a payment for {$140.00} that posted to my account with Car Financial Services. After speaking to them I learned the car sold for {$600.00}, well below the fair market value of {$2900.00}, which makes this resale commercially unreasonable. I was also informed of mechanical fees that were charged to me totaling {$230.00}, because the car would not start. The car started up without any issues while still in my possession. It had numerous other issues, but it did start. Therefore I should not have been charge a mechanical fee. They are so corrupt I would not be surprised if they " said '' it didnt start to collect more money from me. I honestly hope the new buyer is aware of all the issues this vehicles has. I was told by XXXX at Car Financial Services that the car was running fine until XXXX. More than a month since the car was no longer in my possession. I also had well over {$1000.00} worth of personal property inside of the vehicle that I have no idea where it 's located. From my understanding, I also should have been informed of the auction site, date and time, in which I was not. To me, these are grounds for me to contest a deficiency judgment. I would rather not get lawyers involved but I will. I was cheated with this vehicle. I put over {$4000.00}, not including repairs and to only have {$140.00} applied to a vehicle that they believe was only worth {$600.00} is an insult. I would like this account with them to be removed from my credit, or I will indeed sue for the remaining balance they say I owe on a {$600.00} vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: OH
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:
Between XX/XX/XXXX & XX/XX/2021, I sent all 3 CRA 's a " Personal Information '' dispute letter, requesting the personal information on my credit report be updated ( copy of letter & proof of service attached ). As of today XX/XX/2021, I have not received a response or any update. Because of the inaccurate personal information on my credit report, I believed I might be the victim of Identity Theft, so I filed a FTC ID Theft Report # XXXX ( copy of report attached ) & sent that report to all 3 CRA 's between XX/XX/XXXX & XX/XX/2021 ( copy of letters & proof of service attached ). I received no response or any update to my credit report. I also didn't see any update to my " personal statement '' on my credit report. On XX/XX/2021 all 3 CRA 's received a letter from me stating that I had not received any responses to the multiple requests for reinvestigation or for them to provide their " Methods Of Verification '' ( copy of letter & proof of service attached ). ALL of these failures to respond are violations of my consumer rights under the FCRA. These violations of the FCRA by Equifax, XXXX XXXX XXXX have caused my harm as I am trying to maintain my finances during the COVID pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple phone calls a day, from Sears / Citibank. I 've reported them a couple of months ago, but they still call me from a different number. The phone calls are extremely stressful and keep kicking my XXXX into full gear. The calls are roughly 2 - 3 hours apart, and are all robo calls. Per the Federal Trade Commission, debt collectors are to not " repeatedly use the phone to annoy someone '' as this is harassment. I 'm getting extremely sick of Sears / Citibank 's collection practices. I understand I owe a debt, but I definitely do n't need to be reminded of it multiple times a day, every M-F! I 've attached the phone call log from mid XX/XX/XXXX to yesterday. I 've also attached a snippet from the FTC stating collectors may not use the phone for repeated phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX Account # XXXX Per Federal Law based on previous requests for validation this company never properly provided 5 required items accordingly to congress to properly substantiate alleged debt. Furthermore, pursuant to permissible purposes of consumer reports I as the consumer never went into a contractual agreement with Credit Management or gave written correspondence per USC 15 1681b ( a ) ( 2 ) to furnish my information. I currently have an account with XXXX XXXX and was advised that when this account was opened that there was no outstanding debt which allowed me to be able to obtain service with them. No company would allow you to obtain service considering there was an outstanding debt owed. XXXX XXXX providing my personal information without my consent is a violation of my privacy as a consumer. 

Credit Management never provided proper validation of debt which is further violation. In addition to this error being on my consumer credit report I have been denied housing for myself and my family and have lost out on interest rates and funding as a result of this showing on my consumer report WITHOUT my consent. Proper comment coding was never placed on my account to accurately reflect that the account was in dispute and to add insult to injury this deranged collection company has committed identity theft by reflecting my information illegally. Please provide proof of contract between myself and Credit Management and proper validation of said debt. I'm prepared to go to the highest level and have all paperwork regarding his this erroneous reporting and alleged debt has affected myself and my family. Credit Management has countless violations and I will be sending notification directly to the company outlining these as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Affirm Holdings, Inc
State: OH
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:
I placed an order XXXX for a refrigerator from XXXX that was delivered on XX/XX/2022, using affirm loan. Unfortunately, it was the wrong size, so I called XXXX to order a replacement and they gave me a new order number XXXX which was agreed to be delivered on XX/XX/2022. It was agreed that the old refrigerator will be picked up while they drop off the new one. 
On the day of the replacement the old order XXXX was picked up by the same delivery company ( XXXX  ). However, I have been charged for both refrigerators. 
All efforts to contact XXXX to resolve this have proved futile. I have also raised concerns with affirm/Samsung about this error and asked them to refund one of the charges, but nothing has happened. 
Resolution : I am requesting XXXX or Affirm to refund me order number XXXX as this order was picked up by the delivery company ( XXXX  ) on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX I have received a response from capital one bank in regards to my vehicle loan. Pursuant to the contractual agreement this company has already received the amount financed on my behalf and this is false and misleading deceptive behavior stating I am at default and will repossess. I have never been given the right to rescind nor was I informed that I do not have the right to rescind. This company has failed to disclose that the finance charge is the sum of all charges and the down payment is included in the finance charge ; 15 USC 1605. There is no cash comparable in a consumer credit transaction. 12 CFR 1026.4 also states The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. This is a direct violation of contract which makes it void and null where no further payments are to be made on a voided contract. I have put down {$8000.00} according to 15 USC 1662 ( 1 ) advertisement of down payment and installment that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor USUALLY and customarily arranges credit payments or installments for that period and in that amount. This company has continue to enforce a billing error on the consumer 12 CFR 1026.13 ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). I am the consumer who am the only blood and flesh living being can validate a debt this is not an OBLIGATION of the consumer to continue to pay and and I am requesting on the disputed account that all payments are returned to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Fed Loan improperly denied my PSLF using wrong or inaccurate applicaiton criteria. I submitted on more than one occassion my employment verification, they did not apply my prior payments in all plans as set forth by the Department of Education. I have followed all of the steps set forth by the Derpartment of Education established in XX/XX/XXXX, under the temporary waiver for PSLF. They do not communicate with me, despite emails and phone calls. I am submitting an appeal that will likely be disregarded. Per the temporary waiver criteria I have calculated I have made at least 101 payments towards the required 120. I demand credit towards the PSLF. I want an immeidate correction to the applicaiton I submitted on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, I had some fraud happen on my XXXX account and my bank and employer XXXX XXXX disputed the transaction iao {$80.00}. 

Not short after, my XXXX account was closed. I would like to know why specifically XXXX closed my account ; what violation am I being accused of doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had nothing but problems after getting my student loan through Navient Solutions. They have done nothing but mislead me and borderline lie about the options available to me for my student loans. The only reason I had gotten a loan through them in the first place was because, being a first time college student, I could not get a loan for my education without a cosigner and they accepted my mother as a cosigner right away. They told me that they had income based payment plans for after I graduated, forbearance requests, etc. THAT WAS A LIE. Every time I have called to discuss my payment options they told me the only thing they could do was put me on an automated payment schedule. I have repeatedly told them that my problem was NOT paying on time, but that at my current job I could not afford my monthly payments. They refused to even talk about an income based option or ANY other option I have available besides setting me on automatic payments. It was either I pay the full amount, my co-signer pays the full amount, or I default on the loan. The person then had the audacity to ask me if my co-signer had any assets they would give up to pay MY loan! They also would not give me any significant information without my cosigner on the phone even though it was primarily my loan. I have call logs where they have called me 12 times a day starting XXXX even after I have called to talk with them. After going back to school they promised that my payments would go down to the {$25.00} a month as said in my contract. I even called them ahead of starting classes with my program information to make sure that my payments would in fact go down to that amount and they said absolutely. Now they are saying my program does n't qualify! I would have waited or found another program if they were honest with me from the beginning. The company has mislead me and took advantage of my mother and I knowing I was the first child in my family to go to college and take out a student loan. I warn everyone I know that 's going away to school or with kids going to school to stay as far away from Navient as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: CHARLES SCHWAB CORPORATION, THE
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied to Charles Schwab for a Brokerage account and a Checking Account on XXXX-17. 
They opened the Brokerage account, and the Checking account was pending. 
On XXXX17 the Brokerage account was closed and I was not approved for the checking account. 

I called on XXXX-17 and was told I would receive information in a letter they were sending giving specifics. 

I have received the letter from them but there is no specific information as to what caused them to reject me as a customer. 
This is a violation of the FCRA. Without knowing what they viewed in a report that caused my rejection, I can not make sure that there is not a mistake and repair any misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Genesis FS Card Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the company in XXXX to dispute a fraudulent account in collections but they have ignored my police reports, affidavit, and FTC report and continue to report the inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: LA
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:
CARES ACT Violation personal loan late payment XXXX XXXX  XXXX FRCA Violation inquiry XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Application processing delay

Complaint:
I am XXXX, full time employed $ XXXX per annum with CREDIT score of XXXX. My father had Citi thank you preferred credit card, i was an authorized user since XX/XX/XXXX. He died XX/XX/XXXX I closed his accounts and credit cards. This was about 15 months ago. 
I want to start travelling again. I only have XXXX. I have been turned down by Citi, XXXX and XXXX. Either for my age or for closing a credit card within the last 24 months. I need XXXX and XXXX now to prepare myself for a visit to XXXX and XXXX, staring XX/XX/XXXX. Can you assist me?

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 2022-07-20
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/2022 I am under foreclosure by the mortgage service provider FLAGSTAR BANK with XXXX XXXX XXXX XXXX XXXX XXXX, acting as their collection agency/attorneys. The actual lender is XXXX XXXX. 

I had a reinstatement fee of {$43000.00}. Of that amount, I am approved for an ILHAF ( Illinois XXXX Assistance XXXX ) XXXX of {$30000.00} by XXXX XXXX Illinois XXXX XXXX XXXX ) pending a $ XXXX or less reinstatement fee being provided to them by FLAGSTAR. I attempted to directly pay the difference of the grant and the reinstatement fee to FLAGSTAR. The reason I did that is because XXXX will not make a partial payment of what I owe to FLAGSTAR. Therefore, I did over XXXX extremely grueling hours of overtime over XXXX pay periods to attain the amount to get the reinstatement to {$30000.00}.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were XXXX credit checks that I did not authorize. 

XX/XX/XXXX from XXXX for XXXX XXXX XXXX  XX/XX/XXXX from Experian for The 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 2021-06-15
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a XXXX person I have state XXXX in 2017 I went to a XXXX XXXX XXXX why the XXXX was not charged and now they keep harassing me with that account if it is my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me hostage to a debt that I did not create. I need assistance immediately!

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