BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other fee

Complaint:
On XXXX of 2014, my husband ( who was my fiance at the time ) and I purchased our wedding bands at a value of {$3000.00} at a ZALES Diamond store in XXXX XXXX, Florida. We chose Zales because they had a promotion advertised on their website and on a store front signage, offering a certain percentage off the entire sale and 0 % interest the first year on charge purchases. So we signed up and completed the purchase. We double verified with XXXX ( the sales associate helping us ) that we were qualified for the 0 % interest for the first year promotion. As understood, she verified more than once that we were eligable for the promotion. To our surprise, on XXXX XXXX, a {$600.00} and something charge hit our account. I called in to inquire on the charge, as I know we had n't used the card, and was advised that the charge was backed up interest because we had no paid off our debt & the " promotion '' was for balances paid in 6 months. I WAS IN SHOCK!!! I tried explaining to the associate on the phone that in no given time was this explained to me by XXXX when we asked her multiple times about the promotion. He went on to say that it was in the agreements that we signed. Who the hell looks at all those fine prints?! I asked to speak to the manager, who of course could n't help me & was suuuuuper rude and basically told me I just had to pay the interest charge. Long story short : ZALES is a thieft company. They advertise incorrectly and hide information/fees. I will never be doing business with them again. My husband 's wedding band is giving him an allergic reaction and we are looking into filing a lawsuit against them. Worst part is - they are negligent to help and makes us consumers feel as if they are the ones doing us a favor. The XXXX associate that assisted me on the phone told me that A LOT of people call to complain about the same thing and that A LOT of people say their in store sales associates fail to give them complete promotion information. Funny how their own employees would say that about the company .... really says a lot about them. Stay away from Zales ... cheap quality jewelry & high price tags.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan servicing was tranferred to FedLoan Servicing the beginning of this year when I indicated I was pursuin g Public Service Loan Forgiveness ( PSLF ). According to their guidelines, FedLoan Servicing was to provide me with an accounting of how many of my payments qualify for PSLF within 90 days of the transfer. FedLoan Servicing has failed to provide me with any information. When I called them, they said they needed additional time. I have my doubts they will ever provide me anything that is accurate. FedLoan Servicing is the sole servicer for PSLF. This is their job! It should n't taken f orever to get this information. Please look into for me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Progressive Management Systems continue to call on a debt that I never occurred in 2010. They say they are the holder for a debt for a payday loan that occurred in that year. I have mentioned that I did not obtain a payday loan during the time they specified. 

I have also told them three times now that I have had all past debts discharged in Federal Bankruptcy Court out of XXXX XXXX in 2010. They continue to harass me by calling my mobile phone multiple times. 

My bankruptcy lawyer was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE : XXXX FAX : 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 2022-09-05
Company: CCS Financial Services, Inc.
State: NY
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 CCS collections, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1691 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not make treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Experian Information Solutions Inc.
State: SC
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:
Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX    spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score went up they reduced my limit which brings my score down. I h ave kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?

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 2017-05-24
Company: EQUIFAX, INC.
State: SC
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:
Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX      spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my credit score went up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

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 2022-09-05
Company: EQUIFAX, INC.
State: WA
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 have reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority which stipulates an agreement. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. 


Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: ERC
State: IL
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:
XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX XXXX XXXX shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
ERC shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this debt was disputed and not validated XX/XX/2016 -- while it was at sunrise collection it was reported on this site case # Case number : XXXX ] sunrise could not validate the debt and ceased collecting ... it seems as if they have now sold this same debt to XXXX XXXX XXXX -sw ref # XXXX -- XXXX XXXX i told them that this debt had already been disputed and never validated from the last collection agency -- - i asked them to provide the contract for this debt -- they say they have a bill ... a bill is not proof that this debt was incurred ... the fact that sunrise collections sold this to another credit agency, knowing it was not valid- is illegal.. and for XXXX to keep collecting on this invalidated debt- a violation of the law ...

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 2020-06-20
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is actively/fraudulently reporting to XXXX  & the credit agencies a debt that I do not owe. XXXX XXXX XXXX purchased a CLOSED collection account from SPEEDY CASH. SPEEDY CASH reported the closed account balance as {$1500.00} before selling/ transferring the account to XXXX XXXX XXXX ... XXXX XXXX XXXX has now duplicated the original CLOSED SPEEDY CASH ACCOUNT # XXXX And reported this 5 year old closed duplicated speedy cash account to XXXX  as a new/recent collection account. This is a blatant credit reporting of misinformation. XXXX XXXX XXXX  is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. XXXX XXXX XXXX  REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. XXXX XXXX XXXX  RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. XXXX XXXX XXXX   PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow XXXX XXXX XXXX  to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from XXXX XXXX XXXX. I will pursue my rights to hold XXXX XXXX XXXX accountable for the companies deceptive malicious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Fortiva XX/XX/2022. I recieved an notice of denial stating that income is insufficient/low. 

What law requires consumers to have a certain amount of income to attain credit? How does Congress define income? 

Denying me credit has had a discriminatory effect and has caused me to delay in getting life essentials for my my family. Not having access to the credit needed is taking a toll on my family and my XXXX from the stress of not being able to get the things my family needs when we need it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: TX
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 many items which do 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 items which are found to be opened due to identity theft. The dispute items do 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 block/remove these files. 
XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX XXXX XXXX for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!

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 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX I am not a bank of america customer. I am as XXXX women looking for a home back in XX/XX/2019 I was on a website looking for home on a rental website. I got in contact by email by a Mr XXXX. Asking him about his home he has for rent I have never done this before and he convinced me that he would rent me his home he sent me rental agreement and everything looked legit. He said he would send me keys if I go to bank of america and deposite XXXX in to this account I did and never heard from him again I contacted police department filed a report and everything I contacted bank and they don't want to return my money.they said they couldn't get into account because it wasn't mine. I just want my money I need it for a place I been paying XXXX extra because of this monthly more a month. And it's almost been 10 months and still they don't want to refund my money

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 2022-09-05
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: West One Capital Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I did not know that there would be an " Early Loan Payoff Restriction '' with my refinance. No one ever spoke to me about it. I was surprised to see this when I was signing the documents in front of the Notary. Several days later, XXXX occurred. So now mortgage rates are even more competitive. Someone told me that this Early Loan Payoff Restriction is illegal. I have an opportunity to refinance at 3 % fixed for 20 years. I am interested in pursuing this option. West One Capital has evidentally already sold this loan to XXXX. So I am wondering if this Early loan Payoff Restriction is legal, will West One pursue it, since they 've already sold off the loan, and if so, why? How much will the fees be?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage on XX/XX/2016 with XXXX XXXX. My original mortgageholder was PHH Mortgage. Because my real estate taxes were due XX/XX/XXXX, both companies paid my taxes, PHH paid them through the escrow they held from my monthly payments. Because the check from XXXX XXXX was received first, XXXX County cashed their check and returned the payment made by PHH Mortgage. This was confirmed by XXXX XXXX County and also by PHH when I contacted PHH Mortgage about the return of my escrow. I was told I would have to wait until it was processed. That was two months ago. I have repeatedly tried to call PHH Mortgage about the return of my escrowed monies and I am unable to reach anyone. They have collected and held my tax money since last year, and while they tried to pay it XX/XX/XXXX, since it was returned to them, this money should now be returned to me.

Company response to consumer: Closed with explanation