BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: AES/PHEAA
State: PA
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:
I am in a income based repayment plan. I pay XXXX a month. I am a XXXX citizen. I have worked in Public service and XXXX XXXX for over 20 years. I was told my loans ( XXXX ) do not qualify for any loan forgiveness program???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Sequium Asset Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received statement from Sequium asset solutions LLC stating I owed XXXX XXXX money for tv and internet services which I verified with XXXX XXXX was not due and they did not send info to Sequium for collection. Scary that Sequium could get that info. Tried to contact Sequium but could get no one to call me back. According to XXXX XXXX XXXX  there are numerous complaints against this company and it is not accredited by XXXX Sequium needs to be put out of business and someone accused of fraud. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: PREFERRED CREDIT INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I need this company to prove that that is my signature on the documents that they claim they have. If that signature can not be proven to be mine, then this fraudulent information needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Cornerstone Home Lending Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
9 months after closing my loan I get a XXXX package. They need me to re do my loan, because them and FHA do n't agree on the appraisal and FHA wo n't finalize the XXXX, so they can resell it to a XXXX party. They expect my payment to go up, me to pay additional closing costs, and for me to get no credit for the last 9 months of payments. I get no phone call, no letter, just a package in the mail and no instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
they will not let me dispute these, what they have on them are wrongXXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Discharged through Bankruptcy Chapter XXXX this was paid not chapter XXXX by me with money orderXXXX XXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Paid, Closed. 

XXXX XXXX Dispute this itemAccount Number : XXXX .... 
Date Opened : XX/XX/XXXXStatus : Paid in settlement. this was not settlement i paid full bal

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never opened a XXXX XXXX, they say they can not find me and they sold the account to XXXX XXXX -- XXXX XXXX sent me a letter stating they have no information and are closing the account. I have disputed with all XXXX credit bureaus no less than 12 times and can not get removed from my credit report. I have sent a certified letter to XXXX requesting all information pertaining to this account beginning in XXXX 2007 to present, original application with signature, all statements, chargeoffs, authorized user, terms and conditions, collection letters, etc see attached. I have requested them to validate all of the information and they have not been able to validate the account. They have 30 days to do this then they have to delete this information from my credit report. 
They say on my credit report they can not find me, and XXXX states there is no information as well. This has severly lowered my credit score and needs to be deleted and blocked. I have sent them a second letter as well yesterday certified mail also, attached. Thank you.

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 2016-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX ( XXXX XXXX XXXX ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at XXXX as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to XXXX and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. My XXXX XXXX said they do not own my loan and have no records of it. I then called back to XXXX and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XXXX. I want them to take this off my credit and to stop harassing 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 2016-12-19
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Discovery Bank sued me for a credit card I did not apply for, XXXX I was under the age when this card was opened. I have no Knowledge of the said debt and would like it removed as its reporting to the CB as a public record and judgement affecting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: WEICHERT FINANCIAL SERVICES
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I bought a home in XXXX, XXXX through Weichert Financial Services. In XXXX, they sold the loan to XXXX. I received a letter and coupon book clearly stating our first payment was due on XXXX XXXX, XXXX. I made the loan payment through XXXX phone system on XXXX/XXXX/XXXX and it cleared my bank on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Weichert 's collection department for my XXXX payment. I explained the situation and the representative asked for proof. On XXXX/XXXX/XXXX, I then called XXXX & was told they could n't call Weichert, as Weichert would have to reach out to XXXX. I explained I had nothing to do with the selling of the loan, & XXXX & Weichert needed to communicate with each other. XXXX agreed, but since I was talking to a " call center ", Weichert would have to call them. Ten minutes later, I called Weichert & talked to three different people before I was transferred to the right department. I told the representative she could call XXXX & get reimbursed. I was told I had to provide proof of payment & my bank statement & confirmation number of the payment from XXXX was NOT enough. She said I needed to get something else from my bank. I hung up on her because of my frustration & her attitude. I have been a XXXX for 17 years, I have NEVER said to anyone a copy of a bank statement was n't ENOUGH proof of payment. 
My husband went to our bank & was able to get a signed letter from the Sales And Service Manager stating the mortgage payment was taken out of our account on XXXX/XXXX/XXXX. I then faxed a letter explaining all of this, along with the copy of the letter from XXXX & the coupon book showing the first payment was due on XXXX/XXXX/XXXX, my bank statement & the letter from my bank. Yesterday, I get a statement from Weichert, not only for XXXX, but they want XXXX mortgage payment too! If they sold the loan, WHY would they think they are entitled to XXXX payment!?!? I am extremely angry, & warned Weichert, if this was n't straightened out, or if this effected my credit, I would file a complaint with the CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX enter into a consumer credit transaction with Capital One Bank on XX/XX/2016. A consumer credit transaction is an transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges a consumer credit transaction. I know the finance charge the sum of all charges I was not expecting a bill with Capital One. Capital sent a bill which is a violation according to 15 USC 1692b

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my XXXX credit report of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, I discovered that AMERICAN EXPRESS employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not at any time relevant period authorize or consent for this review by the employees of AMEX. I request that AMEX provide me with any hard/verifiable evidence of my consent to this review. To this extent, absent my authorization, AMEX employees action ( s ) constitute a clear violation of my Privacy Rights and FCRA Section 1681 b ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a student loan owned by Citizens One and due to my worsening XXXX XXXX I have been unable to work for some time, I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked Citizens for a compassionate review of my private loan ( about {$43000.00} ) 2 months ago and they have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: ERC
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
also calling me at work now. the medical bills are part of a lawsuit and I can not pay until i settle with defendant.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Healthcare Collections-I, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have repeatedly disputed items and I show XXXX open collections with a XXXX balance that should be closed because they are not collectible included in bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Carma Enterprises Inc
State: NV
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Its none of the issues i listed it is harrassment that has taken place .Im late on my payday loan which is my fault im now being harassed.prior to being late before that i was on time every time my loan was almost paid off.I did fall behind and had to speak with a lawyer about bankruptcy due to the harrassment i was receiving which i really did n't want to do because of course i wan na pay back the loan but the calls to my job threating me saying your coming to my job also telling me i didnt pay enough towards my loan i came in and gave what i had.i was going to bring in what i had everyday just to try and get it paid .the harrassment came from lvfinance employer XXXX and XXXX very rude people and i told them dont call My job if im answering your calls.I spoke with XXXX and before he hung up he said im calling your job now which is un called for.Also he told me i will call you everyday which is fine i owe you but to say im coming to your job and tell my supervisor which is breach of privavcy.I wanted to pay back what i owe credit is everything but the harrassment from this man XXXX will not be overlooked i will do all i can to make sure this man is known about.The calls came and i called back but my job do have the calls logged in the system and the head manager does recall the call where XXXX told him they will be at my job if i dont call back which i was working so i could n't call job policy no cellphones on work floor.On my break i called and the nasty amd rudeness was what i endured im 2 weeks late and the yelling and rudeness when all i wanted to do was set something up with him.I did let the best of me come out and yelled back but you get nothing resolved with XXXX people yelling.This company harassed me at my job that 's my main complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX approximately one week later. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XX/XX/XXXX by XX/XX/XXXX regarding this matter. 

ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Discover Bank was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This collection agency is calling my employer and telling them I need to call them or they will arrange some sort of wage garnishment. I have called them back and learned that the date of birth and social security number they have do not match mine. They just have my first and last name and only my employer phone number which is easy to find since I am on google and am a professional in the community. I have had contact with them 3 times and each time have told them their information does not match mine and they are looking for the wrong person. I have told them to stop calling my employer and they have proceeded to call and continue to fish for information from the business office at my employer. I owe no debt and have an immaculate credit record and score and also a common name and I should not be subjected to harassment from a company that clearly has the wrong information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Barclaycard refused to address my XXXX XXXX hotel dispute. They rebilled me for a XXXX XXXX charge in error. They failed to respond to my letter disputing the rebill based on events that occurred after the rebill. They also billed me an additional XXXX more than my balance for no reason at all.

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 2016-09-09
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Rewards

Complaint:
Discover ran XXXX concurrent promotions in XX/XX/XXXX, including a Double Cashback Bonus Promotion ( wherein all cashback earned is doubled for 12 months after enrollment ) and an XXXX XXXX % Cashback Promotion ( wherein through XXXX XXXX, XXXX, you 'll earn an extra XXXX % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX ). I enrolled in both promotions with my XXXX Discover Card accounts ( XXXX ending in XXXX, another ending in XXXX ). To date, Discover has failed to pay {$1400.00} in cashback bonus that I earned during the promotion. 

Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made XXXX different XXXX purchases at XXXX and XXXX 's using my XXXX Discover Cards totaling {$7400.00} ( receipts attached in this complaint ). Discover sent me emails suggesting these purchases did not qualify for the promotion because they contained gift cards. As requested by Discover, I sent documentation on XXXX XXXX, XXXX proving the items I purchased are not gift cards. I 've repeatedly requested that Discover pay the cash back bonus on the {$7400.00} in XXXX purchases but they have been non-responsive ( this includes, but is not limited to : an email on XXXX XXXX, XXXX, a call placed on XXXX XXXX, XXXX where I spoke with XXXX in XXXX, a call placed on XXXX XXXX, XXXX where I spoke to XXXX in XXXX ). 

Discover will claim that these purchases contain " gift cards '' and therefore do not qualify. However, this is problematic for XXXX reasons : ( 1 ) Discover did not initially claim that certain purchases would be ineligible for the promotion, and ( 2 ) an examination of my receipts will show that I did not purchase products that are sold or marketed as gift cards. 

It is bad faith on Discover 's part to run these promotions and not honor them. As a result of the promotions, I made my XXXX Discover Cards my primary credit cards for my purchases ( winning my business from other financial institutions ), and referred friends and family to sign up for Discover 's credit cards ( winning new customers ). They earned my business and the business of friends and family as a direct result of these promotions. Their marketing efforts were successful, perhaps too successful, and that is why they are attempting to avoid paying out the cash back I earned on these purchases. They have failed to fully honor the promotions. 

I 'm requesting payment of {$1400.00} in cashback bonus for the receipts attached in the complaint. 

XXXX purchases that have not been paid cash back bonus ( including XXXX % for XXXX, and doubled, per the XXXX concurrent promotions ) : Location Amount Date XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$470.00} XXXX/XXXX/XXXX XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$1000.00} XXXX/XXXX/XXXX XXXX {$1400.00} XXXX/XXXX/XXXX XXXX {$1500.00} XXXX/XXXX/XXXX XXXX {$2000.00} XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT WAS SETTLED IN FULL ON XX/XX/2013. LETTER OF SETTLEMENT OBTAINED. 

Improper contact and sharing confidential information with people who are not affiliated with me in any business or financial or professional capacity. 

Threatening to take legal action and improperly contacting and sharing this threat with people who are affiliated with me in any business or financial or professional capacity. 

I had received NO prior written information OR phone messages prior to various friends and/or acquaintances with similar names contacting me with this information. 

XXXX XXXX XXXX Debt Collectors Employee XXXX XXXX illegally contacted people other than myself, slandered and lied about my financial obligations to people other than myself. 
XXXX XXXX XXXX Case # XXXX. 

When I advised her that I had already settled the debt and pointed out that she and her firm has broken several privacy laws, her response that was I had provide that letter AND be prepared to present the letter for many years to come as her firm would also be " bundling and selling '' this debt back to the market place. 

I told her I would be providing a copy of the Letter of Settlement to her and that it was only file with various credit reporting repositories. 

This firm needs to be severely reprimanded and fined for their actions. 

LETTER OF SETTLEMENT WILL BE ATTACHED TO THIS COMPLAINT, IF POSSIBLE.

Company response to consumer: Closed with explanation