BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Accounts Control Technologies with phone number XXXX called my employer today XX/XX/XXXX. My employer in turn relayed message for me to call back company. Unfamiliar with the company and its products and services, I XXXX them up and discovered they are debt collectors. I have no business relationship with them, and I do not know what and for whom they are collecting for. They have not sent me any written communication to allow me the chance to dispute. Them talking to my employer I feel is harassment and defamation. Is this a violation of consumer protection law?

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 2017-03-24
Company: CONDOR CAPITAL CORP
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Faxed court documents over to XXXX to support my dispute advised it would take XXXX hours for documents to be uploaded in the system. Documents were faxed on XX/XX/XXXX time XXXX military time that would be XXXX eastern standard time ( note this is on the confirmation page of fax being received ). Today I called after XXXX window advised that the confirmed fax that was sent to fax # XXXX advised fax is not on file so I asked if they were behind with uploading information Supervisor " XXXX '' so no if I sent it-it would be on file today. I explained to the him I have a confirmation that the fax was received on there end but it is within XXXX hours and still not on file something is wrong so he told me to send again. The time period they gave me was inaccurate keep in mind I validated the fax number and dispute number before faxing and was told I had the correct information.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-14
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was unaware of this debt until I served with a summons. Med 1 is suing me. I received the summons on XXXX for a court date XXXX, During the weeks prior I tried to call Med 1 to see about a settlement but no one there was helpful and my attempts were deflected and futile. I have a company working on my credit and asked them what to do. They sent a letter ( attached ) asking for details on this. The " lawyer '' XXXX XXXX '' at Med 1 refused to give him the information since they are not a law firm requesting it. Even though I did sign a power of attorney permitting the company to act for me. 
As a result I was lucky to get a continuance but only until XXXX. 
I need details on what I am being sued for. How can I defend myself when I do n't have any of the information? 
This company is trying to skirt Federal law and bully me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: South Carolina Student Loan Corp
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
This account is still listed on my credit report after 7 years. I am requesting deletion of this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: CONDOR CAPITAL CORP
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Company name is Condor Capital who was put out of business due to " Illegal Practices Against Customers '' under section 1042 Federal Dodd-Frank Wall Street Reform and Consumer Protection Act against subprime lender XXXX owner of Condor Capital was shut down. This company continues to harass me and is unable to validate the debt they say I owe I sent them a letter and a copy of my drivers license and social security in error and now they are telling the bureaus I owe them the debt with this piece of information. I made a complaint with the BBB which I will attach and you will see their finding are in my favor as well. They are reporting information to all bureaus and I want this removed also not the FTC also on a file on them as well on how the company was shut down and no longer in business. There is another company who is the same company contacting me called Condor Capital Securitization calling me on behalf of this company and I sent them my drivers license and social security in error dumb on my part so now they are using this to say this is their proof of what I mailed to them asking for debt validation they they refuse to supply original signatures they are using the my information I mailed to them ( driver license and Social security ) to validate. I want to see original signatures of this debt.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used my credit card rewards points to get two checks, made out to XXXX. This was in XXXX 2014. The checks were for {$250.00} and {$50.00}. They were XXXX sent to XXXX address. This was after the official split of XXXX and Sallie Mae XXXX I think XXXX. XXXX checks posted as payments to my Sallie Mae account, which I did not want XXXX my school is helping to pay for the Sallie Mae loan ). I called Sallie Mae, and they were able to reverse the payment, telling me it would be paid to XXXX. They did so, and my loan amount increased by the requisite {$300.00}. But XXXX never got the money -- or so they say -- and never applied the {$300.00} to my loan. Now I am out the whole {$300.00}. I called the companies twice ( once we did a conference call with representatives from both XXXX and Sallie Mae XXXX. They have been unable to resolve it and have not responded to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX has for the second time sent a bill to collection and effected my credit report for a bill that is not mine. I never attended this facility on XX/XX/2016. My insurance is with XXXX and does not permit me to use this facilities unless I want to pay out of pocket for service.

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 2015-12-28
Company: STERLING JEWELERS, INC.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am filing this complaint because Sterling Jewelers/ Kay XXXX is excessive in their attempts to collect on my account. They call me in excess of 20 plus times a day and leave several messages about the account. They sometimes call several times within the same minute from various numbers. I am not able to talk on the phone at work and I have come back to XXXX missed calls within a 4 hour period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Company continues to charge excessive fee 's citing that I do not have car insurance after proof of insurance was provided. And no agreement was entered with me to maintain full coverage insurance. However I have provided them with proof of insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

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 2016-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My freshman year, I needed to take out a private loan on top of my federal loans in order to afford college at XXXX University. This was in XX/XX/XXXX-XX/XX/XXXX and I borrowed around {$21000.00} from Wells Fargo. I have continued going to school on and off in the years since and I am XXXX classes away from graduating. I switched to the XXXX after completing two years at XXXX. Meanwhile, I 've had to work full-time for most of these years and I have also become a mother. My debt -- just from this XXXX loan -- is now around {$31000.00}. My total debt is {$100000.00} including all the federal loans and a XXXX private loan. I do n't know how I 'm ever going to repay this amount. This semester, I am taking more time off in order to work full time and start paying off the loan, particularly because Wells Fargo has been harassing my co-signer ( a former teacher/mentor ) and affecting her credit as well, but I also really want to finish my education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Bought vacation package by paying with Citi credit cards, had problems with merchant and disputed the transaction. After a month Citi cards wrote me official letter stating they can not help me with my dispute. Spoke with many supervisors but noone seemed to care about my problem and just told me to deal with merchant myself. Never had that kind of issue with XXXX XXXX or XXXX card. 
Very horrible way to loose a loyal costumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our Wells Fargo Home Mortgage Loan Number XXXX, recent Interest rate hike is more than reasonable. For XXXX years our base rate was 2.25 %, bought down by an initial substantial payment. Now interest is being raised by the full Libor rate. 

This week Wells Fargo advised that the rate would be the full Libor plus the initial rate or one they calculate to be 3 %, a 33 % gain when it is well known that there has been no substantial gain in interest rates over the last XXXX years. For a year, based on my {$150000.00} mortgage, this results in an additional {$1000.00} increase in payments. Based on this, the next five years, assuming a 1 % Libor each year, would cause the rate to be 7.24 %, a full 322 % gain, or at a minimum, an additional cost to me of {$5200.00}. This is usury. 

The loan agreement does stipulate this Libor rate increase but it is XXXX '' thick document, over XXXX pages, and I missed the full Libor increase clause when initiated. I thought, when they said an increase it meant the percentage change in the rate, not the full Libor rate. A change would mean subtracting today 's Libor rate from the original rate and using the sum as the adder. This would be reasonable. 

Credit score is not in question because mine is XXXX. Is there anything you can do to relieve me of this additional cost?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Debt collection remain on credit report after the 50 day dispute process violation of FDCPA disclosure of verification delete all collection from all XXXX collection reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Revenue Assurance Professionals LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I believe my ex wife is not reporting my address/phone number to the pediatric doctor 's office our children go to. About two years ago, I discovered 3 charge off for medical bills from XXXX in XXXX, XXXX. The collection agency 's name is Consolidated Recovery Systems which also is in XXXX. After reviewing my report, I contacted XXXX and advised them I did not receive a phone call nor any bills from them. The call taker advised my ex-wife had told them she did not have any contact information on me in which she does. I also did not receive any phone call or written notification from consolidated recovery regarding the charge offs. Now I have the same problem again where I just pulled my credit report and found a {$91.00} charge off from XXXX from XX/XX/XXXX and it was updated on my credit report by consolidated recovery on XX/XX/XXXX. My ex-wife has my address and phone number and when I last spoke to XXXX, my number was the same as it is today. I relocated to XXXX, XXXX in XX/XX/XXXX and I have not received a phone call nor a letter from XXXX or consolidated recovery regarding this adverse account. Please help because I do n't understand how I 'm constantly receiving charge offs without notification and it 's damaging my credit. Had I not pulled my credit, I would n't have known about the charge off. It seems to me, there are no thorough attempts to contact consumers from consolidated recovery before they report charge offs. With technology today, It is not hard to locate anyone so I do n't understand why I 'm not being contacted. Whether my ex-wife is intentionally not reporting my address ( responsible party ) or the pediatric office fails to make attempts, I would expect consolidated recovery systems to do their due diligence before placing a charge offs on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CONTRACT CALLERS INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was XXXX contacted by a strange number XXXX XXXX XXXX, when answering the call the caller refused to say anything. When I called them back I was asked about personal information such as name, previous addresses and social security number. They ( Contract Callers ) claim it was a debt from a credit card first saying in XXXX and then changing it to XXXX. I told them I did n't know anything about this credit card company in question, and that they were in fact violating my rights by not contacting me via XXXX mail with information containing the alleged debt. I was talk to very rudely and told them I would have my attorney view the allegations as it seem to be fraudulent or perhaps even a scam. It was suggested by the representative that I may have been a victim of Identity theft however, I use credit protection and alert systems that notify me of such matters so I think its completely a lie.

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 2017-03-29
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have formally disputed an account Citibank N.A. says I owe. The formal Dispute was never communicated or recorded as disputed on my credit report within 30 days as directed by the FCRA. I sent formal letter of dispute in XX/XX/2016. Citibank said account verified and sent an account statement. Credit report in XX/XX/XXXX still showed no dispute had been communicated to all XXXX CRAs. I informed them that the account was in error. They continued to report negatively to Credit Reporting agencies. I have since received a letter demanding payment from another company called XXXX A collection company. Even though the account has been disputed multiple times, and they have been told this account is not mine, they continued to report negatively and sold the debt as a factual account to XXXX. I have never had a Citi Costco Visa, nor have I ever applied for one. The only card I processed associated with Costco was an XXXX which was closed and paid as agreed.

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 2022-10-15
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
As sent to Ally on XX/XX/2022 via notarized letter with return receipt, your claim can not and will not be considered if not returned with the requested information <within> 30 days. It was more than 56 days that Ally answered my complaint through CFPB still not providing me the requested information. Ally claims it is not governed by FDCPA. On behalf of other consumers who governs Allys business practices? XXXX and FDCPA govern Ally. Regardless, this entire ordeal has impacted my health, and no one should be subjected to this type of business. I have contacted the XXXX and have attached Allys response. 
Additionally, I have elected to rescind my contract with XXXX and never had a contract with ALLY. This must be the reason Ally could not or would not send their validation of debt. It is clear that Ally will not and can not comply. Ally sent a copy of the XXXX contract. Again, I have chosen to rescind the XXXX contract as of XX/XX/2022, and XXXX is in receipt of it. Ally needs to be reminded that I also rescinded any contract Ally thought I had with them on XX/XX/2022, according to 15 USC 1635 ( f ) and advised them that their security interest in my car is void per 15 USC 1635 ; Regulation Z XXXX with notification that Ally had 20 days to terminate the security interest. Ally is in receipt of that affidavit with no response and no dispute.

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 2021-11-25
Company: Colony Brands, Inc.
State: MN
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:
On XX/XX/XXXX I checked my credit on XXXX XXXX. They said that I had a hard credit pulled on XX/XX/XXXX with XXXX XXXX. I havent authorized or opened a new line of credit with XXXX XXXX. Ive been a long standing customer of XXXX XXXX since XXXX. I spoke with the supervisor of XXXX XXXX, XXXX, to see if they would correct it. She said every time you use the XXXX XXXX credit they pull a credit report and its outlined in their terms and conditions. I havent used the line of credit for 6 months or a year with XXXX. I believe its okay that they do pull a credit check, I just dont agree that it should be a hard credit inquiry but rather a soft credit inquiry because Im not a new customer applying for a line of credit but rather an existing customer since XXXX. Id like this removed from my credit report, but XXXX, the supervisor wasnt willing to do so. She told me to dispute it with the credit bureaus. I will do that but I wanted to let you know too to get this resolved. I dont want this on my credit report for two years. I think this is unlawful and shameful to consumers. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On or about XXXX XXXX, 2016, XXXX XXXX of XXXX XXXX XXXX, XXXX called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " XXXX '' and have my wages garnished if I did n't pay the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation