BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
1. XXXX XXXX has deferred my XXXX  school loans on four separate occasions without my permission because I was in school at XXXX University part-time, taking one course at a time. Doing so has raised my student loan interest rate by .25 percent. Prior to the faulty deferment I had a .25 reduction in my interest rate for using their direct debit service, and deferring my loans without my permission raises my interest rate again back up .25 percent. They claim that the Department of Education automatically defers my loans. I don't see how this is right or fair. 

Additionally, there is a form that I can fill out according to XXXX XXXX which will prevent this from happening. They said it would be available to my XXXX account last week so I can prevent future deferrals without my permission. I had to call about it and write to them multiple times since XX/XX/XXXX and I have still not received the form. On the latest call, they said that someone had made a mistake and asked me what my favorite color was to distract me. They eventually told me that in 24 -48 hours, after three weeks of calling, that my form would then be available. So I am still waiting. Meanwhile, my interest is higher and I am out of the direct debit option to reduce my payments. 

Lastly, I was not informed of this " form '' until the 4th time this automatic deferral has happened. 

I see this as a way XXXX XXXX can collect more money from borrowers unlawfully. 

2. A prior problem : I was on the Income Driven Repayment plan and the Public Service Loan Forgiveness Plan for the first two years of my repayment for my XXXX degree, and I can say the XXXX XXXX always took a very long time to process any paperwork, meaning my Income Driving Replayment plan status, etc., was not put in place when I requested it due to their lengthy processing time. 

I have since opted out of the Public Service Loan Forgiveness Plan due to the possibility of legislators getting rid of it, which would mean my payments would be even greater. My experience with this loan servicing provider has been terrible. I feel their negligence has cost me more money. 

Thank you for your time in reading my complaint. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am again filing a complaint because m issue was not resolved with my first compliant. 

I am asking that Synchrony Financial please request the deletion of XXXX/XXXX XXXX account XXXX from the three major CRA 's. 

I have not been sent a copy of any documents that I signed agreeing to 1 open this account, 2, use this account or 3 pay any debt that resulted in the use of this account. 

I am aware that an " electronic credit application '' was sent to me along with balances and billing statements. However none of this proves that I am the one that opened this account. 

If there was something with my signature on it, proving that I did indeed apply and open and use this account then obviously I would be responsible for this account, but since you do not have one ( which was stated in your response ) I asking that in the spirit of goodwill and great customer service, Synchrony Financial inform the CRA 's to delete and block this credit line from reporting.

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 2021-10-07
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Purchased a car from Honda dealership XX/XX/XXXX. The car was totaled XX/XX/XXXX. XXXX  insurance paid {$22000.00} on XX/XX/XXXX. Gap coverage was purchased upon purchasing the vehicle. Gap coverage paid {$3800.00} on XX/XX/XXXX. Additional warranty was purchased at time of purchasing the car. Warranty paid {$1300.00} to American Honda financial on XX/XX/XXXX. This totally paid off American Honda financial. XXXX credit bureau was reporting 30 days late but have since taken American Honda financial completely off of credit report. XXXX has never reported American Honda financial as I know of. XXXX, which I have disputed several times in the past 2 to 3 months has not taken off the 30 days past due. I have attempted to talk with American Honda including a supervisor to which they refused to delete the 30 days late payment status. All payments from XX/XX/XXXX to XX/XX/XXXX were made as promised. The payment received from XXXX  insurance in the amount of {$22000.00} was paid directly to principal as well as the gap coverage of {$3800.00}. Payments on the loan were due the XXXX of each month. The extended warranty payment of {$1300.00} was paid to principle plus interest plus a late charge The late charge should not has been processed until the payment was 10 days past due. There was a 10 day grace period for the payment to be received. I have spoken with XXXX and American Honda financial and they will not delete the 30 days past due payment status. I would appreciate any help you might could provide. Thank you very much in advance for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
TD Bank is holding transactions that has posted, in the account several days pass the posted date ; then when it shows posted in your account it is two to three days past that the transaction was still showing pending in the account. TD Bank rigged my online viewing so that I can only print 1 page of activities at a time. In trying to print activities for the past week it would only let me print 1 page of the week ( only what is showing on the screen ). When I tried to call TD Bank to discuss this issue, they claimed that I needed to put in a pass code, but still they did not have a passcode hint for me to recall if I had such. In the pass they have access my account via voice recognition and this time they claimed I needed a pass code. Then they claimed the system locked them out because I did not know the passcode. They stated that I needed to go into the branch to get unlocked ; but I am not locked out I can still access the online service, but they claimed they was locked out because I did not have a pass code. They continues to place fraudulent transactions on my account. As I stated to them on many occasions, if there is a NSF charge, it needs to state NSF and not something that does not associate with me, such as the Debit Card authorization that is showing in the attachment. I did not do any authorization on my debit card in the amount of {$35.00} and that needs to be refunded. Their actions will cause other transactions to not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visited XXXX XXXX apartment complex ( previously the Foundation ) in XXXX, CA at XXXX XXXX XXXX on XX/XX/XXXX. I was fooled into signing a leasing agreement before I got notified that I can't move into the apartment because I didnt meet financial requirements by the representative with the first name XXXX, but the real reason why they denied me to move into the apartment was my gender because most of the people in the apartments are male. When XXXX explained to me ( over the phone ) the reason why I can't move into the apartments she told me that the people on the apartment complex are from a different social class ( higher ) so the company thought I wouldn't fit with the community, and for that reason they denied me to get the keys of the apartment and denied to move in. 
I have been charged each month for the rent and have received a letter XX/XX/XXXX that the apartments have forwarded an outstanding balance to a collection agency, thing that they never let me move into the apartment and they decided to cancel my lease agreement. I have discovered a fellow civilian who shares my same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was denied housing when I wasnt aware of all the inaccurate information that showed up on my report. In which I feel like Im a victim of identity theft.

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 2018-07-13
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit card companies do a ton of marketing via internet, television, direct mail, etc. The recipients of this advertising is targeted to individuals that are peak consumers of durable goods and services. Those in the life-cycle of early to mid XXXX  ... those that need everything from vacuum cleaners to microwave ovens. To my knowledge, there has never been an ad that warns consumers of the dangers of debt and encourages the responsible use of credit. It is my proposal that credit card entities allocate 20 % of their ad budgets to serve 'warnings of excessive debt ', responsible use of credit, maybe testimonials from those individuals that lives have been destroyed by borrowing/or buying-in to the slick ads that promise : enhanced lifestyles, expedited processing of credit lines, care-free living, etc. There is a huge need for this reality check. Young adults are strapped with student loans and are bombarded with credit offers that result in nothing short of a train wreck lifestyle. BIG Lenders use BIG budget ads for new business with no moral compass for the fallout and that needs to be recognized and addressed-quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi, my name is XXXX XXXX and i was going through my credit today again and the mail and noticed that i received basic template responses with a bunch of old statements. This does not validate the accuracy of this account and i specifically asked for all the documents pertaining to this account with XXXX  XXXX XXXX and i only received old statements. As per the consumer laws and it's provisions under the FCRA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. Also as per FCRA section 623 ( a ) ( 8 ), which gives me the ability to dispute the information directly with the original creditor or the furnisher. As you can see on the attachments, they've failed to provide me all the necessary documents that I've asked for, such as : a ) How you calculate the money you say I owe.

b ) Copies of the papers where I agreed to pay what you say I owe.

c ) The name of the original creditor or who it got transferred to.

d ) Demonstrate that you are licensed in my state, and provide this license number to me. 
Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2021-08-11
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a third party collection agency attempting to collect an alleged debt and is reporting on my credit file unlawfully and has violated numerous laws under FDCPA and FCRA in which an invoice is enclosed for the civil liability. I've attached an Affidavit, Validation of debt and Cease and Desist order in which they received certified mail that is attached as well.

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 2020-02-27
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to report multiple violations that JEFFERSON CAPITAL SYSTEM is committing to the Free Credit Reporting Act and to my rights as a consumer.

Just to mention two serious violations, see below : 1. Post charge-off interest 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having XXXX  issues because of this situation.

Please send the attached documents to Jefferson Capital System.

Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 6 missed payments showing up on my report and I have not been late on this account. I pay them extra for credit protection in case an emergency comes up. This company offer customers the option of paying through XXXX XXXX but for some reason they will not post payments the same day. A year ago my job work load got light and I told them that I was not working my regular 40 hours and I wanted to use my protection plan and it seems like I did not get approved for it because I have these six late payments showing up.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}

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 2021-02-23
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
M & t bank closed my account on XX/XX/2020 and my check went in on XX/XX/2020. They had a creditor keep harassing me about paying the entire amount when I didnt need to.

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 2022-01-06
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On Thursday, XX/XX/2021, I made a dispute of XXXX they made a mistake that chime try to say that they gave me my XXXX back they found out it was an error they had emailed me and they said I won the case. in order them to give me my money back they said they gave to me it back XX/XX/XXXX which is not true it would have been in the bank statement I would had had more than XXXX or it would have taken out of my account it would have stated that on my bank statement and app. Chime try to give me a provisional credit of XXXX when my account was XXXX when they put it XXXX. I ask them why is XXXX they said that they gave me a provisional credit of XXXX and my account will be back to XXXX back. and that never happen they gave me an excuse. I explain to them that in XXXX world remit gave me my refund and they took it back again the keep giving it to me and keep taking it back. now they said that I was able to lose my money because I made a transfer XXXX and gave the transfer to friends which I told them it was not me I was a scam that when I close off my card. The dispute department did that to me. XXXX gave them arn number for them to trace the money where they can trace my money that worldremit put back to my account they refuse to do it. The dispute department instead they took down the information and I dispute and won the case again and still refuse to give me back my money. Chime the dispute department refuse to check my balance to see what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.

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 2020-08-04
Company: EQUIFAX, INC.
State: IA
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 have inquires listed on my credit file that do not belong to me. I have sent letters to Equifax to get them deleted and they are just ignored. 

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 2020-10-27
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My father passed away and my name and my sister 's name were transfer on death for the home. I am trying to sell the home and my name is not on the mortgage, or am I authorized. I am just trying to get a payoff amount. The mortgage company will not give the title company the payoff amount without my authorization, but they won't take my authorization when I call. 

The house is sold - needing information for closing, i.e. payoff amount - how hard can that be? PHH mortgage company is uncooperative and the people I talk to do not understand English well enough to understand what I am saying. 

I can't bring my dad back from the dead to authorize the title company to give the payoff amount - please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint with CFPB about XXXX XXXX XXXX XXXX stated that they are only the 3rd party trying to collect. Pentrick Capital Partners are the original debt collectors, but I have never done business with them at all and I absolutely owe them nothing. Pentrick had already hired another debt collector and it had to be dismissed because they couldn't prove that this was my debt. Now Pentrick Capital Partners hired someone else to collect. I asked for proof that this is my collection and they sent the documents attached, which is absolutely not proof. First of all, you will see on page 1, they have my birthday as XX/XX/XXXX. That alone should tell you that this is not me. I was born in XXXX. The rest of the pages just show a name addresses and an amount due. THIS IS NOT PROOF! Please remove the collections from all the bureaus that you reported to immediately because it is affecting my credit.

Company response to consumer: Closed with explanation