BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: NJ
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 submitted an extra payment to Navient with explicit written instructions. The payment was supposed to be applied to only XXXX of my XXXX loans. It also was supposed to be strictly used for principal only. Navient ignored my specific instructions and split the payment between my XXXX loans. It also applied a portion of the payment to interest fees when the loan was up to date in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: STERLING JEWELERS, INC.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I 've received XXXX phone calls from Kay 's jewelry ( XXXX at work ) and XXXX voice messages regarding an {$80.00} debt within the past two days! I discussed with them in store I wanted the payments to start on the XXXX of XXXX which I intend to do but this harassment is absolutely ridiculous. Please do something about this ubsurd behavior. This is n't XXXX you know? It 's XXXX. 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 2015-04-25
Company: Stellar Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On the morning of XXXX/XXXX/2015 I decided to check my credit on XXXX XXXX. I was shocked to see that my credit report contained a collection account from Stellar Recovery for the amount of {$120.00} as this was the first time I had been made aware of the outstanding debt. Stellar Recovery, Inc never once made contact with me through XXXX mail, not even a single phone call. The status of the collection account on my report reads " open '' with an open date of XXXX XXXX, 2015. Had I not logged onto XXXX XXXX, I would have never known that this debt even existed. I contacted Stellar immediately and spoke with a representative. I told her that I would need to contact XXXX before paying anything as I did not realize that there was a balance on my account at the time it closed. She informed me that " XXXX has nothing to do with this account anymore and that XXXX does not have record of it '', I also asked her what account # to use in reference to this debt and did not receive an answer. The REAL problem here is that I was not informed of the debt before they reported it to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 'm reporting on ATG Credit. This firm claims to be collecting on a medical debt. They claim it was with XXXX XXXX XXXX. I asked for verification because I never heard of them. They said that was my responsibility. I also explained if I did owe this debt I had just lost everything, First my health, XXXX. My home was lost due to my health ... They said and I quote " I do n't care about you just if your going to pay your bill ''. Then he added " I will write you refuse to pay your bill down on the comments ''. I said please do n't I do n't refuse I just want verification that I actually owe it. Then he hung up on me. I called back to try to work something out and they said " you went to this hospital and they gave you care to feel better, why wo n't you pay your bill? '' I responded that I 'm now XXXX and finding it difficult to make ends meet. He said " I pay my bills why do n't you pay yours? ". I was literally in tears now. I was never given any proof or a right to dispute notice or anything. I 'm sick, and doing the best I can despite my situation, how dare these dirt bags make such comments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I previously sent three  update letters to all three credit bureaus, which are XXXX  XXXX  and Equifax. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Check Security Associates, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This person XXXX from Warner asset legal department services kept calling me and my husband. I didnt even gave my husbands number and doesnt know anything about this debt company calling us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
Equifax Information Services LLC XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are XXXX late payments being reported. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt buyer, Piinnacle, continues to report an old, unverifiable debt to credit bureaus as a new negative. Bureaus wo n't investigate or change information. Pinnacle has an F rating at XXXX and is not accredited. Hundreds of similar complaints. Is your agency able to do anything about this company or the bureaus that report it incorrectly without investigating or is it just open season for those large companies?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2007 I received a check in the mail for {$5000.00} from XXXX XXXX, after losing my job. I called the company to confirmed that the check was legitimate. They persuaded me to come to their office and consolidate my bills into one payment to them. I borrowed {$30000.00} and took out a second mortgage on my home. The interest rate was high, but they said that if I made my payments on time the interest rate would decline and my payments would decrease over time. I 've been paying for this mistake ever since, and the principal on the loan has remained at {$30000.00}. The interest rate is currently at 12.290 % with no signs of decreasing. Since then my loan has been sold/transferred to different companies and is currently being collected by XXXX/XXXX XXXX XXXX. They 're saying that my payments are late and have destroyed my credit in the process. Is there anything I can do to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Comerica
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Over {$63.00} was taken from my Comerica checking account, without authorization from a company called XXXX XXXX XXXX. No authorization was given for this to take place. 

In addition Comerica has taken another {$13.00} from my checking account without my authorization and despite providing all necessary information to the company needed for a " free checking account '' ( an account with no fees ). Totaling over {$78.00} this year alone. Furthermore, Comerica has deliberately, failed to provide me with monthly statements in previous complaints against the bank this year, however, sends me a monthly statement for XXXX 2016 to XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ACCORDING TO BJ 'S Comenity Mastercard, my full payment of the balance of {$110.00} due by XX/XX/XXXX was received on XX/XX/XXXX ; that is, they claim, 3 days late. Therefore, I was charged a late fee of {$35.00} on my payment, plus interest of {$2.00}. The late penalty, in other words, was more than 33 % of the actual amount owed. 

I protested by telephone on XX/XX/XXXX, and was told by three successive representatives at Comenity that this charge could NOT be waived even in the midst of USPS difficulties caused at least in part by Covid-19 because I had made a late payment 11 months earlier. In light of such unreasonableness in the midst of a PANDEMIC, when postal services are beyond a persons control, I told the representative to cancel my Comenity BJ Perks Mastercard. 

I then mailed a check for the entire amount billed including that disputed late fee - {$260.00}. 

I RECEIVED NO BILLS AFTER THAT, and assumed the matter, as well as the account, was closed. However, two bills showed up in my mailbox this week on XX/XX/XXXX. NEITHER ENVELOPE DISPLAYED A POSTMARK INDICATING THE DATE OF MAILING. 

One bill claimed my XXXX payment of {$260.00} had been received TWO days late, on XX/XX/XXXX. I was AGAIN charged a late fee of {$35.00}, plus interest of {$3.00}, all of it due by XXXX, XX/XX/XXXX, which obviously was impossible, since I didnt receive it until XX/XX/XXXX. 

The second bill added a {$37.00} late fee for nonpayment of the late fee in the prior ( UNRECEIVED ) BILL, for a total of {$75.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-29
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I got a mortgage having to put it under an LLC with XXXX who turned out was not licensed but the loan was a XXXX supposedly it was XXXX then XXXX then XXXX then XXXX XXXX who said they were not the mortgage holder. anyway I built a new building and got XXXX ' on on my LLCs property XXXX foreclosed and took my property purchased by XXXX XXXX XXXX I found out XXXX was owned by the loss mitigation director XXXX XXXX and Ocwen Financial Services which is conflict now they are trying to take my new building claiming they own the XXXX ' even though the deed is in my name. they signed the sale as purchaser XXXX XXXX XXXX VP a XXXX employee then assigned it to themselves from XXXX XXXX VP of XXXX I learned Ocwen Financial services was the straw buyer from a XXXX investigator these are all top officials who have been stealing property

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Good morning, In XXXX 2014 I had a loan balance of {$40000.00} and payment of {$200.00} that qualified for the PSLF as I am a public service employee in a low income XXXX. I then went back to school and added {$18000.00} worth of loans to my balance. The loan servicing organization is how claiming my payment has to be at least $ XXXX to qualify for the PSLF. This does not make sense because my loan balance is only increased by 31 % so why does n't my payment correspond? I should be making a payment of no more than {$260.00}. I have told them I only have $ XXXX but I can scrape together the {$260.00} if I must. However, they are ignoring me and not helping me resolve this problem. They just keep insisting that I have to pay $ XXXX or I ca n't be on the PSLF. I believe they are doing this on purpose because they have realized I will have a large balance of my loans forgiven through the PSLF and they do n't want to lose that money. Additionally I have asked if I can just pay on one loan and defer the other one but still let it qualify for the PSLF but again they are ignoring me and not telling me if that is possible or how to do it. 

I am at a loss here. I want to pay my loans but I only have $ XXXX and they say if I only pay that much I will default. I do n't know what to do. Can you please help me? I do n't want to default but I do n't have any more money and I need to be part of the PSLF. 

Please help if you can. 

Thank you! 
XXXX XXXX P.S. I have documentation of all of my correspondence with PHEAA and the Ombudsman but it is A LOT!!! I attached a summary but if there is anything else you need I do have it, just let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Stellar Recovery, Inc.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I emailed a collection company name STELLAR Recovery Inc. back in XXXX XXXX, 2016 to remove a debt showing on my credit report and affecting my credit score. I received a phone call from one of the representative that did n't say her name nor a phone number to get a hold of her and I confirmed to her that the address on the debt does not belong to me and it belongs to someone else. I was told that the debt will be removed from my credit report. I checked again in XXXX XXXX, 2016 and the debt still shows on my report, so I sent a follow up email and I never received a respond up 'til now. 

I also filed a dispute with the XXXX credit bureau and still did n't resolve the issue. I was told to file straight with the collection agency or the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and saw a negative entry from Franklin Collections in the amount of {$300.00}. I have never been informed of any outstanding debt by any companies and was never contacted by phone or mail by this collection agency. I contacted Franklin Collections on XXXX XXXX, 2015 by email to inquire about this supposed debt. After providing XXXX XXXX XXXX my social she responded back with saying I have a case number ( XXXX ) and that it shows a debt of {$300.00} for XXXX XXXX XXXX XXXX. 

I have never in my life had an account with XXXX XXXX XXXX or used XXXX service. As a matter of fact, XXXX service is not even available in my area! 

They did not provide me with the name on the account but when I proceeded to contact XXXX XXXX XXXX, they said they could not provide me with any names or phone numbers associated with the account and that to handle this I would need to file a dispute with the credit agency. 

I have requested multiple times to XXXX XXXX to offer me information on opening a dispute but get no reply. She was quick to offer me informations out the amount owed but now I am being ignored and have this negative entry on my credit that does not belong to me. 

Here is the collector 's information : XXXX XXXXCustomer Service SupervisorFranklin Collection Service Inc. 
XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Ext. XXXXFax XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Purchased a car from XXXX XXXX XXXX in XXXX put {$6000.00} down and in less than four months transmission went out they told me the car was still under manufacture warranty when I bought it because I kept asking for an extended warranty but instead they sold me GAP and told me the manufacture warranty was still good. XXXX would not repair the car they said warranty expired 2 months prior to the repair which was {$4500.00}. I filed a complaint against both companies with XXXX. Went months trying to get a resolution. I was paying my car payment plus XXXX of dollars in rentals. Could n't afford both renting and car payment so I let the finance company know what was going on. So they went and repo the car because I told them I could n't afford the repairs and the dealership was going to place a lean on the car because it had been there for two months. So Exeter Finance picked the car up. Several months later I receive a memo from XXXX saying I can have the car repaired but by now the car is gone Exeter sold it and I 'm stuck. Lost {$6000.00} plus spending nearly $ XXXX a month on rental cars. I am currently spending {$250.00} a week on a rental car because now I ca n't even get a car loan with a repo. I just think this whole situation was not fair and I was cheated as a consumer by all XXXX companies XXXX, XXXX and Exeter Finance who did n't even give me the opportunity to try and get the car back they picked it up and sold it immediately without any communication with me. I paid all my payments on time and communicated with them through everything that was going on. I have XXXX children and this situation has caused me to have a great financial hardship and nobody had consumer centered customer service in this situation. XXXX tried to give me a repair order but it was too late now what do I do I ca n't afford to keep paying for this rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: XOOM CORPORATION
State: IL
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I made a purchase on XXXX XXXX, 2016 at XXXX through Xoom.com of a {$17.00} United States XXXX for a phone reload of {$16.00} United States XXXX for the amount of {$300.00} XXXX pesos, which incurred a transaction fee of {$.00} United States XXXX to add up to the {$17.00} XXXX. The phone carrier in XXXX is XXXX. The number for which I processed the reload is XXXX. The Xoom tracking number is XXXX and the recipient is XXXX XXXX XXXX, my wife. 

The transaction did not go through and I have asked xoom.com to return my money and they say that they can not do it because the money has been deposited to the carrier, which is not true. 

I am seeking the full refund of my {$17.00} United States XXXX because the company has not provided the service they promised. 

I am waiting for them to do something. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX, I decided to change my cable service from XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX service technician came out to install the service, but informed me that I did not have a proper spot to install the dish and that I could not have the service. I called XXXX XXXX XXXX to let them know that I could not receive the service per the service technician. I asked them to please cancel the service, the customer service agent said that there will be no charge and all services are canceled. Later in the months, a bill was sent saying that I owed them {$130.00} for services. I explained to them that I canceled the services and they were never installed, I never even discharged XXXX services. They once again assured me that they will take care of it. After some months past, I noticed on my credit report that I owe XXXX XXXX XXXX, I disputed the charge, but XXXX XXXX XXXX kept reporting it. I have been harassed by credit agencies for over a year, until I decided enough is enough and contacted the XXXX. The president of XXXX XXXX XXXX finally contacted me to apologize and inform me that I do not owe anything and the charge would be remove from my credit report. I replied back stating that I should be monetary awarded for the harassment, embarrassment, a false amount posted on my credit report and being depressed for their mistake. I have not received a reply since XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation