BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was contacted by XXXX in XX/XX/XXXX asking us to sell our timeshare because they had a buyer. All we had to do was send {$2800.00} for title search. He said it would take approximately 3 weeks. I did n't hear from them [ after they got my credit card # ], so i called them in XX/XX/XXXX, they said the title search was taking longer than expected. On XX/XX/XXXX i called and was told buyers had untill XX/XX/XXXX to sign purchase agreements. On XX/XX/XXXX i called and was told purchasers were going after lower interest rates and that their finances are fine, but requires more paper work. They told me the buyers had until XX/XX/XXXX to close, so call back on XX/XX/XXXX. I called daily from XX/XX/XXXX through XX/XX/XXXX and all i could get was an answering machine or recording saying the message box is full. Once they had my credit card #, they never called me back. They did have an add to sell the timeshare on their website, but all the phone # were disconnected. So if you were interested in buying, you could n't contact anyone to purchase. This company was a scam, the owner XXXX is currently in jail for having done this to more than XXXX people. I called capital one to make them aware and dispute the charges well within the allotted time frame. I sent them documentation of a cease and desist order against premier timeshare solutions by Attorney General XXXX of North Dakota on XX/XX/XXXX due to consumer complaints, a tv expose by XXXX exposing this company as the crooks they are, and a copy of complaint XXXX full of peoples stories of being scammed by these con artists. These documents, along with previous letters from us stating and listing all the disconnected/out of service phone # s for XXXX [ how can they " market '' our property with diconnected phone # s for " interested buyers '' on their bogus website ] were sent and received before the requested deadline of XX/XX/XXXX. Not to mention an F rating by the BBB. I told them not to pay and i would n't pay. Capital one sided with the scammer. They sent a lawyer after me, XXXX, and when i sent them the documentation they backed off and told me they were sending it back to capital one and try to work it out with them and provided a phone # which i could n't get through. I have called capital one numerous times to try and resolve this. Basically i get nowhere, tell my story to someone on the other side of the planet, get put on hold and go round and round. I am currently trying to get a mortgage and this has screwed up my credit report, the gift that keeps on giving. They have charged off every month for the last 6 plus years. This is the only thing that comes against me, all my bills are paid on time. Capital one should not have paid this con artist, i gave them plenty of evidence backing my claim, XXXX is in jail for this crime and capital one refuses to admit their error and not punish me for their mistake, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: STERLING JEWELERS, INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-08
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Also calls before XXXX and after XXXX. Back to back phone calls from different numbers. Wo n't tell me who they are until I verify who I am.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please see attached documents as it has my identification and complaint

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 2015-07-24
Company: CONTRACT CALLERS INC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contract Callers ( A Georgia-based collections agency ) has been attempting to collect a debt of {$71.00} from me for over 6 Months now. They claim the debt was from XXXX XXXX XXXX, an electric utility, for an electricity bill from my account with XXXX XXXX XXXX. I have contacted XXXX XXXX, and paid the ammount XXXX times at this point. XXXX XXXX XXXX are recording a balance of XXXX on the account. I have explained this to Contract Callers multiple times, they have insisted I pay them, and they refuse to contact XXXX XXXX XXXX, to verify the payment has been made. They insist I send them the information by FAX ( nobody has a fax machine any more, people also stopped using Carrier Pidgon a while ago, and Contract callers refuses to use eMail ). They have thretend to file a record on my credit report ( even though there has never been any " Credit '', this is a utility bill ). When I contacted Contract callers, they also refused to tell me who their Government Regulator was, so I am unclear who to contact, to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-16
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My issue is that on XX/XX/XXXX my engagement ring/bridal set was purchased. The associate in the store made XXXX of the diamonds fall off by putting it on a machine. That resulted in it having to be sent in for repair. Since it had to be sent in, I asked for it to be souled together as well, so that I would n't have to get it done another time. It was supposedly sent out that day, which I do n't think that it was. I was told that I would have it back by Wednesday or Thursday. It was n't. I was told that it would be back on Monday. It was n't. I am just now finding out that it has n't left the repair shop, they could n't provide me with a tracking number backing up their claims that it would be in on XX/XX/XXXX and I was n't told how we were going to be compensated or reimbursed for the headache that all of this has caused, lack of correct information. It is ridiculous. I spent XXXX in that store and this is the thanks that we get. I do n't appreciate it at all. I could n't find the XXXX complaint page, so I started here. I opened up a Kay Jewelers credit card specifically for this purchase, and that is what it was paid with. There are too many apologies and not enough action, therefore I am filing this complaint. 

Oh and my partner and I have another account with Kay Jewelers that was paid and closed in XX/XX/XXXX. They are reporting that account as late. I am attaching the proof of that to this complaint. All they have to do is update the payment history with the bureau as positive and they chose not too or give me the run around. I am not pleased with that. I would like that issue resolved as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
credit reporting company " credit collections USA '' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I am reporting this company they removed this debt the first time I reported it then they added it back to my reports I had also already made a police report that my ex boyfriend must have use my identity to open fraudulent accounts in my name but I have no actual prof this company is XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank in the amount of XXXX I want this account removed permanently and never to reappear.

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 2016-07-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since XXXX, I have been denied access to my account information and force to waive my legal rights to apply for a loan modification to default on my mortgage and foreclosure on my home by my lender Wells Fargo Bank. I have repeatedly question information on a marital account, have be denied access, or transferred until I am still denied support. I am told that my name is not on the account and that my wife name is the only name attached, but I have received billing statements that show my name does exist on the account. I have been paying a mortgage for my home, since XXXX. In XXXX, my wife abandoned our marriage and withheld financial information from me concerning our home. Further, I learned that she arbitrarily removed my name of the deed of trust with my knowledge and authorization, however, my name is still attached to the mortgage loan. In a divorce or separation, marital property is XXXX between spouses until a court of law determines who acquires the home in a settlement. The XXXX XXXX XXXX has not render a decision on the matter as the case is pending and I should not be forced out of my home because my wife is using unethical tactics to push me out with the support of Wells Fargo. I should have the opportunity to workout options to keep my home and not be forced into foreclosure when I have legal rights to preserve my home from loo mitigation. Further, I did not receive any warning or notice from Wells Fargo that they were going to conduct a non-judicial foreclosure sale until 4 days before the sale to take place on XXXX. I was suspiciously sent a late notice by my wife by mail, which alerted me that the sale was in a couple of days. This is improper conduct by Wells Fargo. They had an obligation to notify me of options, give me the option to modify the loan before referral to foreclosure and an opportunity to complete a loan modification application. I was denied when I was denied access to obtain the documents and information needed to complete the loan modification application and to consider my options.

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 2022-08-19
Company: General Motors Financial Company, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
GM Financial which is my loan leader has violated my rights a consumer under the Truth in Lending Act. Pursuant to 15 USC 1605 ( a ) GM Financial is in violation of charging a finance fee for a loan which is illegal under the Truth in Lending Act. GM Financial has also violated 15 USC 1605 ( a ) ( c ) which states that auto insurance is suppose to be included in the finance charge. According to the law GM Financial is also in violation of 15 USC 1635 ( a ) which state that the consumer is suppose to be notify of their rights to recession. I have attach documents for proof of violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: AZ
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX R XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.

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 2015-07-08
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to Jared Jewlers in XXXX Florida with my girlfriend to purchase a engagement ring. We choose a ring that she was extremely excited about. I traded in some diamonds which they gave me a {$2500.00} credit for and asked the Jewler XXXX to remove XXXX halo of the small diamonds and replace them with a halo of sapphires, he advised I would receive a {$200.00} credit for those diamonds. I put down {$3000.00} and was left with a balance of {$10000.00}, when I was reviewing the paperwork it said my payment would be interest free for 19 months at {$340.00} which was in my budget. I picked up the ring a week later and proposed to my now fianc. Approximately a month later I received a monthly bill for {$580.00}. I was shocked and thought there must have been an error. I called the credit card company and they explained that to get some sort of points credit XXXX had set up my credit card account based on {$6500.00} and later after I left the store called the credit card company back and added the additional {$4000.00} which increased my payment from {$340.00} to {$580.00}. I explained that I was told that my payment was going to be {$340.00} and not {$580.00}. I later went to the store and spoke to XXXX in person with my fianc. She was there when he told me that the payment was going to be {$340.00} monthly. XXXX demeanor was quite different, I got the sense that he had done this many times to many customers. I asked him if he could extend the term to make the payment affordable with in my budget and what he had told me it was going to be and what the paperwork said. He told me that there was nothing he could do to change the payment terms. I left and started researching Jared 's on the Internet, I discovered that many others customers of Jareds had similar experiences. It is not only illegal but also unethical to tell people there payment is one amount when it is actually another amount, especially when it is in writing. For an associate to quote one payment amount, put it in writing, and state that is the payment amount but later after the customer leaves the store to call the credit card company and add amounts to their credit card to later increase the payment. This is pure extortion, and against the law. I am hopeful this matter will be resolved amicably. In XX/XX/XXXX, I paid my first payment of {$400.00}, {$56.00} more than the amount that I had agreed to both verbally and in writing. I have received numerous collection calls since I made that payment informing me that I am delinquent and threatened that my credit score would be negatively impacted due to my delinquency. I look forward to hearing back in the near future how we can resolve this issue. Sincerely, 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 2016-04-29
Company: SLM CORPORATION
State: KS
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:
After reviewing the fair practices act- then going over the loan documents with my co-signer we believe that we were led to think that our loans were student loans Not private ones- If I 'm read things correctly the loan provider should have provided one or maybe all the documents listed below as examples :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Since I have not been able to pay the Loan this company pulls my credit Monthly from XXXX different entities which is producing XXXX Hard hits every month. Tower Loans and TWR Loans Systems. are the entities that are reflecting on my file. This goes far back as XXXX 2015. Please have them to remove these inquiries and tell them to stop Hard hitting my credit. It as already showing up as a Charge off. So why are they continuing to hit my credit every month. I am going to pursue monetary compensation for this. I m trying to clean my credit up so I can pay this debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.

Company response to consumer: Closed with explanation