BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I called my lender, Navient, because my interest only program was up and my payments shot up. I was on maternity leave and could not afford it. I called and they said that because of my billing cycle they could not process it for that month. I paid for my last month of forbearance and called when they told me to change back into the program. I called back to enroll and though the agent confirmed enrollment I was not enrolled. I called back to get it straightened out and was told I never made the request. I pointed out that they record calls and all of a sudden they find my request but it is again not timely. I spoke to XXXX different people ( finally spoke to someone not in a foreign county ) and they said they can not process it till the next month. They refuse to fix their mistake and when I finally have them process it they say it will not process to the month XXXX people just told me of but the month after that. Fraudulent statements by several people. One mistake I could understand but this is not the case. They are purposely making it so that I can not make my payments to try and collect the entire loan from my cosigner. Impossible that a company has no oversight or ability to correct their own mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A few weeks ago, I contacted Capital One for a 60 day extension due to me having XXXX and being off for 3 1/2 months. I do not want to fall behind and have payments not paid to count against me as it will be very hard to catch up due to having other bills as well. I was told that there was nothing that can be done because the account is too new when I called XX/XX/XXXX and that I had to have the account for at least six months. I have worked for auto financing company before and there are exceptions that can made, so this is unacceptable. I have XXXX other vehicles that I purchased the same day as this car and that company that is financing those XXXX cars did the extension since I am a XXXX and do not get paid when I am off. I am a valuable customer as I have credit cards and have had another vehicle, which I traded in for this vehicle, through Capital One. I do n't think that this is how you treat valuable customers. 
I recently had to call Capital One XXXX 's with customer service stating that someone will call me. Finally, the third time I called after not receiving a call back and was told that I was still not able to get an extension. This is a SCRA account ; why ca n't I get a 2 month extension after Capital One has been getting paid on time even after my XXXX and being denied the extension XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2015-08-19
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber Home Loans offered a short-term, interest only modification and is refusing to break down the required up front cash contribution of {$2600.00}. This up front contribution is cost prohibitive for the borrower to accept the modification. Caliber is telling me they could change the contribution into a three-month trial period plan if the foreclosure sale, scheduled for XXXX XXXX, were postponed out 90 days. This is absurd. Caliber should offer an affordable trial period plan and if need be, they should postpone the sale 90 days to allow for the modification to be successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. These are the names that appear on my credit reports 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not fumish an account without my written introductions

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 2022-06-05
Company: Linebarger Goggan Blair & Sampson LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In a notice dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( " XXXX '' ) of XXXX, WI informed me of a Delaware DOT toll violation amount due of XXXX. ( I have an active XXXX account and my DMV address is up to date, yet this was the first notification I received of a toll violation ) In a letter sent before XX/XX/XXXX, I disputed the debt and asked for verification. 

In a letter dated XX/XX/XXXX, XXXX wrote that " we are unable to process your correspondence. '' XXXX sent 2 notices dated XX/XX/XXXX further attempting to collect the debt. 

On XX/XX/XXXX, by certified mail, I wrote XXXX and explained that I had disputed the debt within 30 days and that they acknowledged they were unable to process my request for verification. Therefore, I considered the matter to be closed. 

In a letter postmarked XX/XX/XXXX, XXXX wrote to say the timeframe to dispute the debt had expired and the debt was still due. This was the last written correspondence I received from XXXX. 

In a letter dated XX/XX/XXXX ( received on XX/XX/XXXX ), Linebarger Goggan Blair & Sampson wrote that DelDOT had retained them to " resolve the ... listed amount owed DelDOT. '' The notice does not indicate that it is an attempt to collect a debt and provides no information on how to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: VW Credit
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I am a XXXX year old student who took out a car loan in XXXX from Volkswagen. Today I Went to my local credit union to refinance my car loan and they said that the income I have which is student loans does not count as income and that Volkswagen Credit should not have issued me the loan. When I got the loan from them I explained clearly that my money was from student loans and I was unemployed and now thinking about it I remember them asking me to fill the form as my XXXX as my employer they said to do that since my financial aid was the money I was living on with the purpose to refinance after several months to get a better rate once I proved more of my credit worthiness. But now I am stuck with the interest they gave me and I am unable to refinance at a lower interest rate because they did they do n't do refinancing because they are not a bank. So I feel misled and misguided when they said to put my financial aid as income since now I have to stick with them and their interest rate. I feel like they lied to me and they lied to the loan people since financial aid ca n't be counted as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had my credit card number stolen in XXXX of 2015. It was my Carnival MasterCard through Barclaycard services of Delaware and the merchant of the charge is actually the one who phoned me the following day after it occurred and asked me if I made the charge, which I told him I did not, so I then proceeded to call my credit card company and explain to them the situation. They did immediately send me out a new card and number and at that time I thought and from the way they explained it that it would be resolved in a few days. On XXXX XXXX, 2015 I called them again because I noticed the charge was still on there and they basically said they had n't been able to reach the merchant which I have a hard time believing since it was XXXX. So I filed a complaint and was given a complaint number. It is now XXXX XXXX, 2015 and the charge is still on there. They told me on the day I filed the complaint that it would take 45 days to resolve and it is still not resolved. I have been a loyal customer for years with this company and have paid off my card in full several times, am always on time with my payments and this charge is still on my card. I find it ridiculous that this is occurring. I use this card a lot and I have never questioned a charge before and they are basically treating me like I am the criminal and I am absolutely getting nowhere with them. So that 's why I am writing to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: GOLDMAN SACHS BANK USA
State: NV
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 do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please Apple Card - Gs Bank Usa Apple Card XXXX Gs Bank Usa ( Revolving ) Accounts - Summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Caliber Home Loans, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying for over a year to get information correctly reported regarding a foreclosed and sold home. The creditor (Caliber Home Loans) has constantly informed me that they are not reporting a balance on the loan even though I have given them proof to the contrary. XXXX is reporting the amount with a balance and a past due and refuses to remove the incorrect information. This has done great harm to my family and me, as it has artificially depressed my credit rating for some time causing me to be denied credit and forced to pay greater interest rates on purchases. I am certain that common sense should apply here, but up to this point it is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Williams, Alexander & Associates, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX, XXXX XXXX XXXX, XXXX. 
Additional Locations Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX View Additional Phone Numbers XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Williams, Alexander & Associates , Inc. any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Williams , Alexander & Associates, Inc. 
any company associate with this account # XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Campus Student Funding, LLC
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was affected by the XXXX XXXX XXXX XXXX College closure in XXXX 2015 (? ). I just received notice that my Federal loan has been approved to be discharged, but what about the private loan that they made me get through XXXX XXXX ( which the bills are now coming from University XXXX XXXX XXXX XXXX XXXX for Campus Student Funding? How can I get that loan discharged? Or GREATLY reduced since I am now paying for something I have n't received ... an education ... a college degree.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Delinquent account

Complaint:
There was a small charge on my Banana Republic Credit Card that I never received a bill or a statement for and was reported as a hit to my credit score. When I finally received notice that I was severely overdue and had been reported, I paid the charge in full and cancelled the card. I work hard to maintain my credit score and do not want it to be damaged because of a charge I was never properly informed of. The delinquent amount was for less that {$50.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: CA
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:
As an XX/XX/XXXX CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

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 2015-07-29
Company: Conn's, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As soon as the payment is a day late, they are repeated calling and leaving voice messages on my phone. When calling Conn 's and giving my phone number, they stated that my phone number is not associated with any account. They were informed to stop calling my phone and leaving repeated messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Netspend Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX account different locations taxes, Maryland, extra large amount of money from the bank charg for account phone number XXXX ) XXXX debt from debits against company XXXX principal Owner. Through XXXX reordered forms charging it to my phone number above. Questions from a were prepare for more transfer money stopped sent to account Bank account activity without an account applicable to taxes from FDIC insured Money. I've been scammed by XXXX for no reason just because XXXX principal Owner to email account. Fighter and banking partnership to end fraud from all banking endeavor. 

Searching for my number is on XXXX maps type in XXXX ) XXXX amazing I couldn't power as from pristine as wrong headed think it's a scarce resource. But orders for merchandise go through XXXX and abroad my company. I'm quite sure tax write off limits. Seeking answer to key systems through insurance coverage on my capital income protections. Thanks for when will it End.

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 2015-11-06
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for an XXXX XXXX card through Elan Financial. They had been soliciting me for months, so I decided to apply for the card. I was declined for the card through Elan and was notified when I called that the card was declined due to my prior 2008 bankruptcy. 
The underwriter noticed that the bankruptcy had been so long ago that he concluded that he would resubmit the card for manual underwriting and suggested I call back in 2 days. 
When I phoned back to gain knowledge of the result of the card decision. I was speaking with XXXX at ext XXXX and she shared information and spoke to me in a way I had never been discriminated in before. XXXX instead of just sharing the final decision went on to inform me that the decision was based on the outstanding balances on other cards and primarily my bankruptcy. She went on to share with me that based on her looking at my credit profile it was clear that I was well on my way to my second bankruptcy. This way of approaching customers is not an example of fair lending nor is it appropriate for any company to speak in ways that place judgment or wound there applicants. I clearly felt discriminated against and felt Elan Financial spoke and clearly attacked my character. I have not been able to ignore the clear attack on my character and the discrimination on me as a person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: FL
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:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX Account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

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 2017-03-28
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX in XX/XX/2008, I have not been able to work since, just 3 or 4 years ago I was XXXX. He XXXX, I went to hospital for several days & XXXX cost & stay was waived due to my indigent condition by the XXXX ... The XXXX however appears to be a money grubbing XXXX & has turned his fees over to a collection agency. Initially I made payments by borrowing money from family & friends. I paid off some of the debt then. Recently I have been receiving calls from Affiliate Asset Solutions. I still am not able to work & feel this debt is unfair.

Company response to consumer: Closed with explanation