BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I C System. Has stolen my personal information. I have no contract with I C System. and I have never given them any personal information of mines. How did they obtain my personal information? I C System is reporting illegal and unauthorize personal information on my credit report. I C System is using my stolen personal information to collect a debt What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given XXXX XXXX XXXX XXXX Notice letters of dispute, Opportunity to cure and opt-out request. I C System refuse to perform based on law. I C System Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue to be harass with illegal reporting that I never agreed to or authorize this use of my personal information.

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 2023-10-24
Company: S.B.S. Trust Deed Network
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I had tried to get into my account to pay for my Hoa dues for XXXX XXXX XXXX XXXX XXXX and was not able to. I reached out to them and asked why. I was told that it was frozen due to payments owed. Previously I had spoken to my hoa company XXXX XXXX XXXX XXXX XXXX and told them about my situuation due to covid restrictions dealing with employment and a divorce and previously before that, they stated that they would work with me. XXXX XXXX XXXX had given my account over to Sbs lien company and was demanding that I pay the full amount. I was trying to do a payment plan but it was to high so I was trying to work things out with the homeowners association and sbs lien company ( XXXX XXXX ). On XX/XX/XXXX XXXX I gave ( wired transfered ) XXXX which they received and on XX/XX/2023 I sent an additional XXXX which totals XXXX which is the full amount due with everything included. I asked Sbs lien company for their ledgers of the total amount due before and this was the total amount due. Now that I have paid everything sbs lien company says I owe more. They have been tacking on fees and other things. Please help. 

SIncerely, XXXX 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 2023-10-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Requested Proof that CHASE submitted a claim to the XXXX XXXX XXXX on XX/XX/2023 from XXXX at Chase Bank Claims. TEL : XXXX ext XXXX XXXX XXXX wrote back and said never received the claim. I need DIRECT proof so I can submit to XXXX XXXX  of the proof of claim for the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CITIBANK, N.A.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple discrepancies on all XXXX of my credit reports. I had my identity stolen in 2019 and there have been bank accounts opened in my name, fraudulent checks ordered, and likely more.

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 2023-12-13
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This creditor has never sent me any written paperwork that they are taken over the debt like they are supposed to. I have disputed item and it has been removed then it came right back on. Please remove this account from my file since I was never notified in the 5 business days that the law states to send correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Currently the sell of my home is waiting to close but the process is unable to be completed due to Carrington mortgage ( my mortgage holder ) says they are not licensed to originate loans on XXXX where my property is located. Carrington has been asked by myself and XXXX XXXX ( XXXX XXXX of XXXX XXXX  XXXX how we can move forward with having the VA Assumption completed and they have failed to give any path forward. XXXX XXXX had email correspondence with XXXX XXXX ( CEO & Founder ) of Carrington Mortgage and received no helpful information. My mortgage originally was through XXXX XXXX and was bought out by Carrington Mortgage and now I am unable to utilize the VA Loan Assumption process that is entitled to me as an XXXX XXXX member of the military. this stonewall response from Carrington Mortgage is currently costing me thousands of dollars a month paying for a property i no longer live in due to XXXX and every month the sell is not closed is costing the buyers approximately {$1000.00} due to increased out of pocket cost when the assumption goes through. this issue has been ongoing since XXXX of this year and no path forward has been found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: DISCOVER BANK
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-28
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
The email informed me that I need to wait 90-120 days for the funds to be released. But there is no dispute on my account. You should release my funds as promised in the email. Why hasn't it been dealt with yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The social security number that is on my credit report is not mine also there should be absolutely nobody else on allowed access or have any kind of credit limits of any sort under my name and personal information I have no clue who XXXX is this is some one stealing my identity

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 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
Payment attempted to Aidvantage on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 Each time payment was reversed. I resubmitted my bank account information and tried submitting again, but still the payment is reversed. Unable to get in contact with the company. I tried to contact them through email on XX/XX/2023, and they have not replied. Now they are saying I missed my payment, without any notification. The only emails I received from them during this periods were confirmations that my payment had posted. There were no communications about reversed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: FinCo Services Inc DBA Current
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
The Current debit card was sent to me, I used it, paid balance and now the card company says they can not find my phone number or email address. The company will not assist me in any way I am afraid someone is using my card and I can not close the account. I can not even log in to view my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I received a call from a number that was labeled SCAM on my phone. I answered it and the person stated they were with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and that they would be pursuing a collection of a debt. I have good/excellent credit. I asked where the debt came from, which they replied bank of America. Back in XXXX, I paid a collection agency a settlement amount for an outstanding debt with a bank of America credit card debt. I have not heard anything about this debt since XXXX, nor do any of the XXXX credit reporting bureaus reflect anything negative regarding a debt. They asked me if I had a letter proving that I paid the settlement amount ; since XXXX, I have moved several times because I was in the military and I have lost documents and items with every move ; this is just something that happens with moving. I do not have the letter stating I paid the settlement amount, but if I had not paid a settlement, surely it would reflect in my credit report. I asked how is it possible after XXXX, nearly 16 years, since I paid a debt collection agency, that I am now being pursued about a debt I have not heard about. They said debt collection agencies can have you pay an amount, but that doesn't cover the complete debt amount, and the remaining amount can be sold to another debt collection agency. I asked if they are debt collection agency, to which they gave me a vague explanation that they were not necessarily a collection agency. If this is the case, if a person pays a settlement amount with a debt collection agency, and the amount does not cover the whole debt, and the amount can be picked up by another collection entity, this would never end and this could be exploited continuously. This seems nefarious and an unjust practice. The phone number to XXXX contact is XXXX. Is there not a statute of limitations to which they can pursue someone about a debt?

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 2023-02-10
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: KEYCORP
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
-- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE CHOSEN TO EXERCISE MY RIGHT TO CREDIT AS DEFINED UNDER 15 1602f WITH KEYBANK AND HAVE PERFORMED A CREDIT CARD APPLICATION WHIHC HAS BECOME A SECURITY FOR KEYBANK. I ON BEHALF OF PRINCIPAL ACCEPT ALL RIGHTS, TITTLES, EQUITY AND INTEREST. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT I HAVE EXERCISED A RIGHT WITH KEYBANK ALLOWING KEYBANK TO OBTAIN MY CREDIT CARD FOR THE SOLE PURPOSE OF EXTENDING CREDIT AND HAVE BEEN DISCRIMINATED AGAINST DUE TO BEING DENIED CREDIT UNDER THE ECOA FOR EXERCISING A RIGHT. THERE IS NO FEDERAL LAW THAT STATES A CONSUMER CAN BE DENIED A RIGHT BASED ON A FAIR ISAC CORPORTTION SCORE. THIS ADVERSE ACTION HAS CAUSED HARM IN MY DAY TO DAY LIFE AND HAS EVEN LEFT A FALSE NEGATIVE REMARK ON MY REPUTATION WHICH WILL FURTHER HURT MY RIGHT TO CREDIT. KEYBANK HAS OBTAINED MY CREDIT CARD AND CREDIT CONSUMER APPLICATION ( SECURITY ) BUT HAS FAILED IN EXTENMDING ME ME MY CREDIT NOW IN VIOLATION UNDER 15 USC 1644 AND THE SECURITIES EXCHANGE ACT OF 1934. KEY BANK HAS FAILED TO DISCLOSE TO ME AT THE TIME OF APPLICATION OF MY FEDERAL RIGHT TO RECISSION UNDER TRUTH IN LENDING SO NOW UNDER THIS ACT MY DEAD LINE IS NOW 3 YEARS. SINCE KEYBANK HAS CHOSEN TO DENY ME A RIGHT BUT OBTAIN MY SECURITY WITHOUT EXTEND BACK TO ME CREDITS I HEREBY EXERCISE MY RIGHT TO RECIND MY " ORIGINAL '' CREDIT CARD APPLICATION WITH KEYBANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
They did not exchangXXXX XXXX XXXX XXXX by the rate. The exchanged it XXXX pound and XXXX euro each for {$1.00} US.dollar. everyone knows XXXX XXXX XXXX are worth more than USD. When I was buying it, it cost me more. Please help. I've been robbed by Citi.Bank

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 2023-11-01
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My XXXX of over 30 years was contacted and four voice messages was left with her. His name is XXXX XXXX. She told them to stop calling her and they told her to give us his number or we will keep contacting you. I then contacted the company on XX/XX/XXXX and told them to stop contacting my XXXX XXXX  or any other relatives of mine they may have contact info on. I also told them that I wanted a complete total validation of debt with all contract documents pertaining to this debt. i also asked them was was the date of the last action on this account and they told me XX/XX/XXXX. I asked them if the debt is time barred in regards to the statue of limitations and the person told me " I just told you XXXX and the statue of limitations is 6 years ''. I then request again for a full debt validation and he told me to send in written request for it. On XX/XX/XXXX I sent that via XXXX certified mail and it was signed for by someone in the organization on XX/XX/XXXX. To this date over a month a half later I have not heard from them in regards to my debt validation request. I want this removed from my credit report as it is harming me financially.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had many issues with Mohela. The most recent is the fact that I was approved for and enrolled in auto-debit for my loans on XX/XX/23, with my first payment being due XX/XX/23. That payment was never withdrawn from my account, and I received an email from XXXX XXXX XXXX on XX/XX/23 stating that I missed a payment. Mohela 's website states that I am up-to-date and not in delinquency. However, when I call Mohela and provide my account number to the automated system, it states my loan status is delinquent. I did everything that I was supposed to and now Mohela is causing direct harm to my credit status due to its ineptitude.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 non-monetary relief
Consumer complaint received 2023-11-01
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to XXXX to purchase an outside furniture set. I was offered at the register an opportunity to apply for an interest free credit card for one year. It was all done at the cash register. I have been charged interest from day one. I have paid the principle completely off, and TJX continues to charge me interest and late fees. When I called to complain, they said that I owed XXXX dollars. When I asked them to break it down, it was XXXX dollars in late fees and the rest in new last fees and interest. I asked them to remove all the late fees and interest from the account and close the account. They refused. I asked for a manager and waited 30 minutes and was told there was nothing she could do and that there were no other people above her that could address my concerns. This is unheard of. I asked her to have someone call me, she said that they do not call out. They are charging loan shark rates on closed principles and refuse to refund my money or close the 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 monetary relief
Consumer complaint received 2023-11-01
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have been a returning customer for loan at last, one day I decided to take out a new loan from the company, they said they can give me a new loan without any reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Self Financial Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is inaccurately reporting their tradeline on all XXXX of my credit reports. XXXX XXXX has done the same thing to many other consumers as evidenced by the many complaints filed against them with the XXXX. There is a pattern of inaccurate credit reporting by this company and I want them to remove their tradeline from all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have called Mohela regarding the balance on my account, which is was granted 100 % by the department of education. I received a letter stating that my student loaned will be adjusted and cover at 100 % due to the lawsuit with the court due to my student loans with the school that I attended XXXX university . Half of my loans have been adjusted and corrected but I still have a balance showing on my account which I have proof Mohela with the letter provided by the department of education and they continue to ignore and make corrections to my account. The balance of {$15000.00} plus is still showing on my credit report, which is causing a lot of issues with my credit score, etc. I dont know what else to do with the department of education and Mohela . Ive been dealing with this issue since 2004 after graduating from the university when false information was presented to me And forms where, signed or not authorized by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation