BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: Tormey Bewley Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX I was contacted by The Advantage Group claiming I owed a debt ( {$1200.00} ) to the XXXX for when they brought me to the hospital in XXXX XXXX ( after hospital admittance I had my XXXX. I would later return for my XXXX in XXXX XXXX. ) After I received a bill for the ambulance ride, I contacted XXXX and they said they would pay and not to worry about a thing. Imagine my surprise when a year and half later ( XXXX XXXX ) a debt collection company is calling me. I contact XXXX and they said they had sent me a check to pay the XXXX, I told them that I never received a check and that was verified because their accounts showed that the check had NOT been cashed. They said they would cancel the check and send out a new one immediately. Weeks go by and I still have not received a new check. I call and they say do n't worry, it has to go through their finance department and it would be sent out soon. This exchange would continue for a couple more months until finally someone at XXXX tells me the entire check has been cancelled and the MONEY HAS BEEN RETURNED TO YOUR GROUP. The end. They can no longer help me. So I contact the Benefits representative at the company I used to work for, XXXX XXXX ( XXXX XXXX ), XXXX XXXX. I explain the situation to her and she says she will figure it out for me. A week goes by and I hear nothing. I start calling her on a WEEKLY basis trying to get some sort of answer, every time she answers ( when she answers ) she responds with " I have your number, I will call you. '' The last time I talked to her was in XXXX. In the meantime the debt collector informs me that they have reported it to the major credit bureaus and the debt amount is increasing. I verify this information- and sure enough, they have dinged my credit. So I pay the debt, ( now {$1400.00} due to late penalties ) hoping that they will take the report off of my credit as soon as possible. I have been working on my excellent credit for 15 years. There is some sort of LIMBO between XXXX XXXX and XXXX and neither one is budging on refunding my money and correcting the blemish on my credit. What I think happened was XXXX up and did n't realize they had an outstanding check that had not been cashed for over a year, and upon realizing their mistake, they cancelled the entire thing and left me without a way to pay the XXXX. THEY were supposed to pay them- they already had a check ready to go, but for some reason I never received it. And instead of issuing me a new check, they supposedly gave it to my benefits group- to a company that I no longer work for and I have to pay for this debt that IS NOT MINE out of my own pocket and take a credit hit for it.

Company response to consumer: Closed
Consumer complaint received 2020-10-01
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting on one of my credit reports that I owe a collection with XXXX, I never had an account with XXXX  before they have not provided me with any verification that this account is indeed mine. They are currently affecting my credit report with this debt that have failed to provide proof that I actually owed, no signed contracts, no paper work with my information on it.

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 2017-01-17
Company: CITIBANK, N.A.
State: FL
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:
Citibank is reporting the wrong default date. I graduated XXXX, I had a 9 month grace period before I was in default I never made a payment. My default date should have started XXXX/XXXX/XXXX on all XXXX of my loans. They are not reporting it as such on my credit. I want them to correct that date. my 7 year period has ended.

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 2016-11-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I called in to make a payment on my credit card and used the option to pay the entire balance due. This was on XXXX XXXX and my bill was due XXXX XXXX. I received a bill in the mail on XXXX XXXX saying that I owed interest of {$2.00}. How can i owe interest if I paid the entire balanxe due? When I called in they told me that the statement closing date and the due date were different and I was charged interest based on the statement closing date. They said it was my fault and when I asked if I would be charged interest again in XXXX I was told yes.

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 monetary relief
Consumer complaint received 2020-10-01
Company: OneMain Finance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I took a loan with one main financial a couple years ago and 1 condition of getting the loan was being required to purchase an insurance policy to pay the loan in the event of loosing income. In XX/XX/2020 I was affected by covid and lost my income of over XXXX dollars a year. I imidiantly went to one main and filed a claim which was rejected three times before being excepted. ( I HAD TO.KEEP MAKING PAYMENTS DURING THIS PROCESS ) They paid three months only and quickly began billing me again I paid every month even without having a job. Now I am back at work making XXXX a year and still having difficulty making my bills. I have a payment due for XXXX and have been receiving 5+ calls a day numerous texts. Emails and voicemails regarding this payment which should not be based on my original contract. Terms did not state monthly recertification or limited payment but clearly stated loan payoff if loss of income. At this point I am iritated to say the least as I was forced to purchase this insurance and it is not being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with Equifax, They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Sent letter to Experian Credit Reporting on XX/XX/XXXX notifying them that my credit report showed several hard inquiries that I was not aware of and were not authorized by me. I requested that these inquiries be removed immediately as they have contributed to my inability to obtain credit. As a victim of identity theft and currently trying to correct the damage done by my stolen identity, I have followed the Federal Trade Commission Identity Theft step by step program and monitor my credit reports daily. I just received a response to my request to remove the unauthorized inquiries stating that the inquiries would NOT be blocked and would remain on my credit report for 2 years. Obviously, I am unable to send any evidence that the inquiries were not authorized other than the Identity Theft documents that I have provided all credit reporting agencies on XX/XX/XXXX. As stated previously, these inquiries are contributing to the reasons why I have recently been unable to obtain credit. Several of the hard inquiries that I am disputing have come from the same companies/lenders that were included in my identity theft report. I'm filing this complaint at the suggestion of the FTC Identity Theft program and request that the following hard inquiries be removed, block or whatever can be done as to not affect my ability to improve my credit and/or obtain credit. The list of unauthorized inquiries are : XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  XXXX  L Inquiry date XX/XX/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 2017-06-10
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On  XXXX   XXXX ,  2017 , at  XXXX  an individual by the name of  XXXX   from Navient called my  parents and left a voicemail informing them  Navient was tr ying to get a hold of me.  XXXX  informed my parents I owe money and it was a federal offense not to respond. She left a phone number in the voicemail  XXXX   XXXX   XXXX . My father returned the call by calling the number it came from and a female on the other end of the line answered, " Hello. '' My father said, " You called this number. '' And then the women hung up on him.  <P/> This is t he 4th time now I have requested Navient not to call my parents and the second formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: RI
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, has violated my rights. 

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 an account without my written instructions.

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 2020-10-01
Company: EQUIFAX, INC.
State: TN
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. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et  seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was very sick in XXXX of 2015 with XXXX. It was mis-diagnosed by XXXX Physicians, so it was six weeks before I began recovery. I was late in paying off my Best Buy statement due to this illness, but the entire bill was paid, on XX/XX/XXXX for {$210.00}. I received XXXX late charges amounting to $ XXXX that I paid on XX/XX/XXXX. They have agauin charged me {$35.00} additional, and interest on the late charges, which amount to XXXX, which I paid today ( XX/XX/XXXX ) I have asked them on the phone and in a letter to remove the late fees and interest, and they refuse, stating they are justifiable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: Synovus Bank
State: FL
Product: Credit card
Issue: Other

Complaint:
I 've deposited {$1800.00} in order to have a secured credit card with First Progress Card. 
After few years I decided to close the account, I 've called XX/XX/2017 to close and ask for the deposit refund, at that time I was informed it should take up to 7 weeks which is ridiculous. It 's Seven weeks already and I did n't receive the refund, now I 've told that is up to 10 weeks!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: TN
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. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours

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 2016-09-20
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree Servicing had our mortgage and we submitted paperwork for a loan modification several times and we were denied each time. Then Ditech took over our loan and we requested a loan modification with them and were denied, also. We submitted a request to our first mortgage and it was accepted, so we could n't understand why Green Tree nor Ditech would help. Ditech 's interest rate is 10.5 % and at one point we fell behind one month and we have that along with some late fees totaling over $ XXXX. We asked if the interest rate could be lowered and if the $ XXXX could be added to the end of our loan, but we 've been denied. We fell through some hardships and filed for bankruptcy in 2008, but since then we have tried to make all of our payments on all of our bills, but we 've fallen into other hardships and have become over extended credit wise, and my husband is sick and, although, his paychecks sometimes have overtime, there are many where he is short due to leave without pay, because he uses up his sick and vacation time due to illnesses. All we 've been asking for is for some assistance in lowering our interest rate and adding our fees tot he end of our loan. We ca n't refinance because we owe more than our home is worth and because of our loan and credit card debt. I 'm not sure if this is even the place to ask or if this is even considered a complaint and if it is n't, we would greatly appreciate it if you could send us in the right direction. Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: RI
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, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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, has violated my rights. 

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 an account without my written instructions.

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 2016-06-29
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi Bank offered a public promotion for any City Gold Clients to earn XXXX award miles once they meet the requirements. Since, I have met the requirements, they have not yet honor my reward. Furthermore, they have been dragging out the process by extending the investigation from few days to 45 days now. Every time I called, the story becomes different. Citi bank is using deceptive marketing to win over clients on to their Gold account, which requires monthly fees or holding on to large amount of deposit.

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 monetary relief
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: NY
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:
I have been following the Navient lawsuit and I am in 100 % agreement that Navient knowingly steered my girlfriend into programs that where not beneficial to paying her student loan debt. Navient took advantage of her lack of knowledge and has added an absorbent amount of interest to the debt an the debt remains unsatisfied after 12 years of payments. They promised loan releases to co signers which I am, and continue to play games and will not release information to consigner a only thru primary borrowers. I 'm stuck attached to a debt I have no control over and my girlfriend has been ruthlessly taken advantage of. We want to repay the original amount borrowed and want money applied to high interest programs they steered us to applied to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX Date Opened : XX/XX/2017 Balance : $ XXXX XXXX Dates 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 2022-03-14
Company: Experian Information Solutions Inc.
State: MS
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:
Ive notified EXPERIAN with several complaints and letters stating how they are improperly reporting information on my consumer file which is unlawful according to the FCRA! Ive also made several complaints via the CFPB portal and EXPERIAN continues to ignore my notices, and by doing so they are now committing willful negligence which is a violation of the FCRA. Ive recently sent an affidavit giving EXPERIAN notice of these violations and stated that Im also holding them civilly liable pursuant the laws under the FCRA. They continue to ignore the law and report improper information regardless of the efforts Ive made to rectify the situation. Pursuant 15 usc 1681c ( a ) ( 4 ) they do not have the right to report the accounts XXXX and 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 explanation