BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-25
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
the Sallie Mae web site is difficult to make online payments. The loan account numbers do not all show up in loan summary. I have to click on other loans to have them appear. Then the previous loans disappear. This site is difficult for me, and I have had too may years of experience with student loans. My last month payment was reversed, I did n't reverse it, the bank did n't and Sallie Mae did n't either. But, I paid a late fee because of it!! HELP!!! I fear that when my son graduates in XXXX, the site will be difficult for him and could result in loan default. PLEASE help fix this mess. I dislike having to work with these private loan companies. Then, trying to get an answer from customer service is exhausting. I asked to speak to a supervisor and was put on hold for 30 minutes. I HUNG UP! I have better things to do with my time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29
Company: ZARVAD III S.A.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a voicemail from a XXXX XXXX, indicating that I would need to meet her at my home on Thursday with valid ID in order to sign for " certified documentation. '' She then proceeded to leave me a number to the mediation office, along with a claim number. She said that I had been " notified, '' and she would see me on Thursday if she did not receive a Stop Order. The phonecall was very threatening. I immediately called the number she had given me, and received the voicemail for someone named " XXXX. '' There was no last name or no company name listed. I left him a voicemail telling him not to contact me again about this issue. Despite that, he called me back after 5 minutes. He informed me that he was from XXXX XXXX in XXXX XXXX XXXX, but would not give me a physical address. He said his name was XXXX XXXX. He said that he was trying to collect a debt from Mypaydayloan.com. I have filed a separate complaint against them. I asked XXXX XXXX AGAIN not to contact me about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see an account on my credit report that was sent to collections and I have never had an account with this company and i do not owe this balance. This was done without my consent and I have never given authority to start an account in my name with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my checking account in XXXX or XX/XX/2019. 
Chase mailed a check to my former PO Box . 
I never received the check. 
I relocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was previously removed. According to FCRA I am suppose to receive a 5 day notice before the account is reinserted. Please remove the XXXX XXXX XXXX XXXX from my report. You are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a notification that a collection account had been added to my credit report. The company is IC Systems, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this IC Systems account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that IC Systems offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform IC Systems that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against them and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

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 2020-04-07
Company: EQUIFAX, INC.
State: CA
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 applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Merchants Acceptance Corp
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:
Dear XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item " MERCHANTS ACCEPTANCE CORP '' ( XXXX XXXX dispute ) is inaccurate because the contract became void. The Presidential package that was purchased from the company was never fully delivered, they delivered the vacuum but not the rest of the purchased items. It has been over 3 months since the purchase, I have tried contacting the company to return the vacuum that they delivered because I never received everything that was supposed to come with it, I was met with no response. I tried canceling it with MERCHANTS ACCEPTANCE CORP but they will not stop charging payments, now they are reporting missed payments because of this issue. I am requesting that the item be removed to correct the information. I can provide phone records showing me reaching out to the company as well as me trying to cancel payments. I have filed with the XXXX and my credit card company for disputing the charges. I have also contacted my attorney to make sure that what I was doing was correct. He had advised me that by law the contract becomes void if they ca n't provide the product. The company listed above will not return my phone calls after leaving multiple messages in regards to this product. 

Sincerely, XXXX XXXX XXXXXXXXXXXX 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 2016-11-03
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit card
Issue: Bankruptcy

Complaint:
The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XX/XX/2009. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA 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 2020-04-07
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested deferral of my FHA home mortgage due to being placed on greatly reduced hours by my employer. Caliber Home Loans services my FHA mortgage. Their only proposal for a deferral was to defer three months payments but then the entire amount deferred becomes due and payable in the fourth month. Under the CARES Act, I thought the deferral could be longer and the total amount deferred would be added to the end of your mortgage. Many friends are getting this result. XXXX XXXX   proposal amounts to a very short term loan which does not help. I will not have that money in three months. I am a XXXX XXXX at a XXXX XXXX that had to basically shut down and have filed for unemployment. My husband is a XXXX XXXX. Our income has been cut significantly with the greatly reduced hours and we need mortgage assistance. We are first time home buyers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is not my account and I was removed as an authorized user from this account and it should not still be reporting to my credit.

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 2020-02-28
Company: CITIBANK, N.A.
State: HI
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:
I have contacted CITI CARDS customer services and paid the balance due and closed this account to the best of my knowledge, yet received a statement reflecting a balance due along with additional late fees on a {$30.00} charge I understood was paid at the time I closed this account. They agree that I closed the account but my payment balance at the time of closing was past due and now I have received two late fees on the account of this.I feel that at the time I closed this and paid that {$30.00} charge everything was complete and all was in good standing and I was free and clear and this card account was closed! I feel an adjustment is in order and I owe them nothing in late fees what so ever! 
Sincerely, 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 monetary relief
Consumer complaint received 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America is reporting debts on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only are they past the statute they are really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file. Account # 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 explanation
Consumer complaint received 2017-04-06
Company: AAS Debt Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are trying to state my debt validation letter was a payment plan. The letter clearly does not state anything about payment. They violated my rights. I want full removal of trade line. No where indicates payment plan. They misrepresented everything I sent to them to fit to their agenda.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: TekCollect Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls from multiple lines, sometimes multiple times a day. They leave voicemails when there is an option with no content -- completely silent. There was no type of identification at all. At one point, my voicemail was completely full and could not accept new messages because they had left so many blank voicemails. I instructed them to stop calling and communicate via postal mail and the phone calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Target is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
For many years, I paid my Long Term Health Care policy via my Wells Fargo automatic bill pay account on an annual basis. The premium went up, which is unusual, so I had to change the premium amount -- and I also made the payment on an earlier date because I wanted to ensure my account was credited while the insurance company was going through some turmoil due to the rate change which otherwise could delay that. I had difficulty making the change, but did accomplish that. However, both the new payment amount ( {$2900.00}, on XXXX XXXX, 2016 ) and also what then was a duplicate payment ( on XXXX XXXX, 2016 ) at the old amount ( {$2400.00} ) and date were made. I did notice this on XXXX XXXX, 2016 but neither I nor ( calling ) Wells Fargo could stop that payment. Wells Fargo said it was my fault ( I agree their payment change process is difficult ) and refused to reimburse me. Then in that call, they and I called the insurance company ( XXXX ) together to see what would happen when they received the XXXX check. XXXX advised they would send a refund of any overpayment by check mailed to the policy holder. I called XXXX again on XXXX XXXX, 2016, having not received any check, and was told they had not yet received any payment that they could attribute to me. I then called Wells Fargo, who took another report and claim, but seemed unable to verify whether they had made a payment or not to XXXX while I was on the phone. Some day I expect this will be corrected, but they do n't seem to care when they owe me money as much as when borrowers owe them money. Also, if their software is too cumbersome for a simple change of amount and payment date, they should direct me to cancel the old payment and initiate a new one. Wells Fargo case numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
BACK IN XX/XX/XXXX i MODIFIED MY MORTGAGE ( W/EXISTING BANK, XXXX XXXX ) AND NOW HAVE DELINQUENCIES OF SEVERAL PAYMENTS ON MY CREDIT REPORTS. UPON MODIFICATION IN XX/XX/XXXX I HAVE BEEN PAYING THE NEW MODIFIED BALANCE ON-TIME EVERY MONTH ( FOR THE PAST 6 YEARS ). THESE DELINQUENCIES SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: OH
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 not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -ACCEPTANCE NOW # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX -XXXX  XXXX  XXXX  # XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: COMMERCE BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, XXXX, and XX/XX/XXXX of 2015. On each month I tried to submit my payment of {$250.00} each month which was on Auto-Bill pay and did not go through. I have reached out to Commerce Bank and they have said for years that they saw that they saw the payment tried to come out when I was banking with them but it was rejected. They never notified me of the rejection and they gave me these 3-30 day late payment marks. I now can not get a mortgage because of these marks on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I traveled to foreign country and was a victim of identity theft/credit card fraud. I tried to resolve the issue with the credit card company, but I have not received any resistance. I also tried to file a police report when I returned to the United States. But was told they can not help me because it was over seas. I also filed an identity theft complaint with FTC. I just want the fraudulent charges and lates removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received many calls from Ford Motor Credit Co for XXXX XXXX, who I am not, am not related to and have no knowledge of. I called the number they told me to in order to get off the list, the calls doubled. I called again yesterday, and I'm receiving more calls today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
How to stop closure my house today CALIBER Home Loan they this guy tell. Me move out they said it house close! But I do n't know about it I know my loan I 'm pay off on XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX I 'm demo my house I have proved permit final inspection form XXXX XXXX .TX I 'm talk to someone employee CALIBER home loans I tell them r do n't what happened about it whatever I keep my house but bills statement too reference my payment only XXXX XXXX/mo they send me bills payment first time. Same lather on they call me collaction telling behind XXXX. I said why they tell me bank said NSF '' I do n't know NSF " mean! I pay them with debit card 2mo. Then next few moth call again tell me payment grow up XXXX/mo and tell me about principle that why too high I 'm payment about few month then I 'm stop to pay beanie think something not right t need to send me bills statement may be they over dabt. Then 5 month later send owe them $ XXXX+ tell me pay out title I said I do n't have I 'm loose job and nobody work I 'm pay For colleg daughter Then they send me from about lose job tell me waiting for approve from government but they send bills payment every month grow up over XXXX $ then send my account to collection agency I talk to them by phone I need to payment standard but they said no Waiting till now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX has made and error and now XXXX is missing and ca n't be accounted for .. have been working with them XXXX but now they will not return my calls ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Barclays bankBARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX DE XXXX has registered my name under a credit card that opened an account on XX/XX/XXXX. That same account was on record as reported on XX/XX/XXXX and was cancelled by Barclays. During this time the credit card account was not activated nor was it confirmed by me. When I called Barclays at ( XXXX ) they verbally confirmed that they had to wrong contact information, and inaccurate email and personal information. This has damaged my credit score and they wrongfully opened an account under my name.

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