BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : Balance {$1200.00} Dear Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 2016-02-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The first complaint involving merchant XXXX XXXX XXXX and XXXX XXXX XXXX Experian Credit Reports produced results as follows : ( 1 ) CFPB assigned complaint number XXXX and did make contact eventually with the above-mentioned credit reporting agencies ; ( 2 ) On XXXX/XXXX/2016 merchant XXXX XXXX XXXX only acknowledged the above-mentioned complaint as an 'inquiry ', wrote consumer that contact was made with appropriate consumer reporting agencies and ask them to " Remove the dispute message that appears on your credit file '' ; On the same date correct information and restored FICO score resulted on consumer credit report ; ( 3 ) On XXXX/XXXX/2016 merchant XXXX XXXX did 'knowingly, willfully, and fraudulently commit the same violation as previous complaint by removing the revolving credit value from consumers credit card with XXXX balance and purposely replaced the PAID status with that of UNKNOWN. This scheme is repeating itself in a manner that deserves elevation to congressional level.

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 2016-11-18
Company: Garcadia Financial LLC
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid for a dealer extended warranty as part of my car purchase in XXXX. The cost was {$2300.00}. It is itemized on both the installment and retail purchase agreements. In XXXX, I received a letter from XXXX XXXX that the dealership had been sold to XXXX XXXX and the extended warranty would NOT be honored without any sort of refund of the {$2300.00} which I was/am paying for at 11+ % interest. 
When I informed my lender, Foursight Capital of this fact in XXXX, it was ignored. I just called again on XXXX to inform/discuss this issue with Foursight. At this point I was told that Foursight did n't care that they, and I, are in effect being stolen from because Foursight already paid the money and its between myself and the dealership. 
I find this response by Foursight to be not only unethical, but also incredibly disrespectful of a consumer using their service because they were the lender chosen by the dealership. I had requested the dealership fund the loan through XXXX XXXX XXXX XXXX where I do business. While I can not prove it, my previous experience as a Underwriter in Manufactured homes tells me that Foursight offered the dealership points in order to fund the loan. I believe this is part of Foursights ' refusal to respond to the " theft '' of {$2300.00} by XXXX XXXX. 
Please find attached the full installment contract ( in XXXX scans to get the whole thing ), receipt for finishing paying DMV for my title transfer ( it is an itemized item for the correct amount on my installment contract and the attached retail contract ), retail auto purchase contract, letter dated in XXXX 2016 from XXXX XXXX announcing its ' purchase by XXXX and revocation of the warranty ( which is an itemized subject on the contracts for {$2300.00} -- not including the interest that has accrued since my purchase in XXXX ), and XXXX statements from my servicer/lender Foursight Capital who refused to do anything about the warranty revocation when I informed them of the revocation telling me that it was n't their problem even though Foursight Capital had paid the funds as part of funding my purchase. 

Thank you and have a good day, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Cadence Bank
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bancorp South Mortgage upgraded its computer system and forced all customers to re-register their account. I need to change the direct debit account on my mortgage because I changed banks for my checking account. I called the bank/servicer to ask for assistance and they said to log-in and do it online. When I try to register the online account, it says I must click the verify link in a confirmation email. The email never arrives ( I have checked the junk and spam folders ). I have attempted this numerous times and I am unable to access my account and customer service wo n't otherwise assist with changing the account. If they try to continue drafting from the current account, it will overdraft and I ca n't stop it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: STUDENT ASSISTANCE FOUNDATION
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unfair tactics used by student loan collection agencies creating confusion for repayment of student loans. 
After completing my masters program in XXXX, I began making payments to a " XXXX XXXX XXXX At some point in XXXX ( or later, it 's very unclear ) another collections agency SAF-XXXX was also trying to collect on the same student loan. Although SAF-XXXX said they tried to contact me via mail it would have been difficult to contact me due to the fact that my working location has been in XXXX from XXXX XXXX until XXXX XXXX. Also, I was already making student loan payments to " XXXX XXXX '', so there was no way to know or expect a change in who my student loan payment should be made to or that I needed to make payments to XXXX different agencies. It was a complete surprise to me when I went to consolidate the loan with XXXX in early XXXX and after reviewing my credit report, I found XXXX XXXX XXXX XXXX separate negative entries from SAFXXXX. After making a few calls to SAFXXXX to investigate why there were XXXX separate negative entries on my credit report, I found out some, all or whatever part of my student loan ( s ) was transfered to SAFXXXX for whatever reason, it was really unclear. Furthermore, I did not understand why there are XXXX separate entries on my credit reports for the student loan when I am only making one ( 1 ) payment to XXXX company. I only found out about the negative reporting after making a call directly to SAF-XXXX offices in XXXX to investigate as to why SAF-XXXX was reporting negative credit information on my credit reports. Again at that point in time and after talking to the SAF SAFXXXX representative I found that SAFXXXX did not have my correct phone number. I also asked why an email was not sent to my long standing XXXX XXXX account and I was told you do not use email as a means of communication. Because of the above mention items, there was no way for me to know that the loan transfered to another collection agency. 
It is very confusing to the payee/student when you are making payments to XXXX collection agency and for some reason there is a change to or request from another company to also pay them. Also I do not know why I would have several negative credit entries on my credit reports when I am paying XXXX loan payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: Stearns Ventures, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX an employee at XXXX XXXX is dishonest regarding my Earnest Money and the contract at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 
I was planning on purchasing a home XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX so I began to deal with XXXX XXXX from XXXX XXXX and XXXX XXXX from Stearns Lending. I was previously living in a apartment and my lease was ending in XXXX XXXX, 2015. I did not renew my lease so I had to move out on XXXX XXXX, 2015. I had been having some issues with XXXX XXXX and XXXX XXXX regarding the purchase of the above stated property. Some of the issues are that XXXX XXXX held my Contract that was signed by the Seller and Buyer for 30 days before giving me a copy regarding the residence stated. XXXX XXXX and XXXX XXXX gave me my Final Settlement Charge Statement and my Earnest Money was not on the statement and the {$5100.00} dollars from the Seller was only using {$3100.00} dollars, my insurance from my insurance company ( XXXX ) was only {$710.00}, and I explained that to XXXX XXXX and to XXXX XXXX. On the settlement charge statement they had my homeowners insurance showing {$820.00} and when I talked to XXXX XXXX about it he lied and said there was nothing he could do. From the beginning of this deal I felt that they were being dishonest and they were not treating me fairly. So I did not sign any of the settlement charge statement and I ask for XXXX XXXX XXXX to return my earnest money. XXXX . XXXX talk to XXXX XXXX and they came up with a new settlement charge statement. The new settlement charge statement had the same problems except the statement showed a raise in settlement charges and I also had to bring to closing {$1200.00}. So I ask them how could that be when I am 100 % financed thru VA. After the XXXX time of trying to work with them thru the many insults I received I then refused to sign the settlement statement and ask them for my earnest money. I never signed any of the final settlement charge statements because they were incorrect and dishonest. I call XXXX XXXX and XXXX XXXX about these issue and they would not return any of my calls. As a result of this unfortunate situation I am homeless and reaching out to you with this issue hoping you can help me get my earnest money back or find a solution for this matter. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Financial Credit Service, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Today, XXXX XXXX, 2016, I received a letter from ARA, Inc. stating that I owed them {$23000.00} for a debt that I did not incur. I called them immediately and was asked by their representative, XXXX XXXX XXXX, if my social security number was XXXX. I stopped him after the third number and told him it was not me. He then proceeded to tell me, " according to the Federal Social Security Database, that I am related to him. '' He then proceeded to tell me MY social security number and maintained that IF it was truly my s.s. number, that I had to be related to the other person with a name that happens to be identical to mine. I have a seven-year fraud alert on my credit report and he acknowledged that he saw that when trying to find his debtor. My question is : how is it possible that he gets my social security number when I have done nothing wrong and is able to threaten me with a bogus letter? Further, how can he lie about a Federal Social Security Database that tells him that his debtor is related to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a Ford a while back, financed through Ford Credit. Having been educated in the basic principles of finance, I 'd like to make an effort to pay the loan down early. Unfortunately, their entire system seems to be deliberately designed to make this as difficult as possible. 

First, any payment you send in does not officially " clear '' for several business days. Twenty years ago, that was silly, but at least somewhat understandable. Today, in the Age of the Internet, it 's just flat-out ridiculous. If I submit a payment electronically and it takes more than 1 minute to clear, something is very wrong. If XXXX and XXXX can get it right, why ca n't Ford Credit? 

But that 's just a part of the larger issue. If you submit an additional payment, common sense dictates that you are obviously trying to pay the loan down early, but their treatment of the funds is disingenuous, bordering on predatory. Instead of applying the money to principal, as is appropriate for an attempt to pay down the loan early, they apply it as an early payment, and simply adjust your payment schedule to compensate. 

This makes no sense whatsoever. While it 's certainly imaginable that someone might have a need to make a late payment ( " I can pay you tomorrow, but not today, '' ) the thought of the opposite as a legitimate issue ( " I can pay you today, but not tomorrow '' ) is utterly ridiculous. And yet it is not only the default presumption when additional payments are received, it 's the *only* option available on their website. 

In order to have additional payments handled correctly, you are required to wait several days until the payment clears, and then call Ford Credit, navigate a phone tree that does you no favors in your attempts to reach a human being, and then finally explain the obvious to the operator and have them manually fix the payment in their system. And you are required to go through this long, wearisome process every. Single. Time. 

I have complained about this to them multiple times, and have been told that nebulous " technical issues '' prevent them from setting it up the right way. As a XXXX, that 's pure bunk. If any such technical barriers truly exist, they exist only in the mind of an utterly incompetent site developer. Much more likely is the theory that this is done deliberately, placing as many barriers as possible in the way of a customer paying down their loan quickly, in order to maximize interest income. 

Ford Credit refuses to fix or even truly acknowledge the problem, so I 'm coming to the CFPB. Please investigate and put a stop to predatory practices like this. If an additional payment is received, it should, by default, be applied 100 % to principal in order to pay down the loan as quickly as possible. Anything else is abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD
Product: Payday loan
Issue: Can't contact lender

Complaint:
ACE Cash is saying I owe them money for a loan I do n't remember getting, and wo n't give me any paper work and date this happen.They are saying they will file a judgement with the court on XXXX XXXX. What should I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus XXXX XXXX, 2022 to update these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX Balance : {$1600.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2016-02-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit cards were cloned and stolen in XXXX. While most of my credit cards handled the situation fine, American Express has been a nightmare to work with. I 've called dozens of times, received dozens of erroneous letters from them, they 've hung up on me countless times, and they even called my wife a XXXX and mocked her sarcastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Navient Solutions, LLC.
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:
I received a call from lender trying to set up a payment for me to pay my private loan that went into default. When they told me the balance i asked about the interest rate and the interest was sky high. I borrowed XXXX and at this time its currently XXXX. Its amost impossible for me to repay this loan back soley because of the interest that accumulated. I tried to get more specifics on the loan and was unable to get them to give me clear answers or any information for that matter. I asked about getting a lower interest rate and the only options they gave me where to do a payoff or settlement. I cant see this loan ever been payed off and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: I.C. System, 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:
I had an account with XXXX above 3 years ago that I had terminated. Upon termination I had my account sent to collections stating I owed money. I spoke with XXXX and they verified I did not owe and sent me a refund check. 

Since then I have had XXXX different collection agencies show up on my report showing this account. Each time I dispute the account and then months later another account from a different agency pops up. This is becoming a huge pain and I am having to regularly check my report just to make sure another collection agency has not been added. 

Clearly that original account was sold to multiple agencies and XXXX refused to notify them so now I am being bombarded with collection attempts for a dept that was proven not mine. 

Below are the XXXX collection agencies ; XXXX, XXXX, I.C XXXX Systems.

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