BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: Eagle Financial Services, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXX. XX/XX/2016 {$2400.00} to present.. 
I was charged a 39 % interest rate when my credit score did not constitute such a high rate. The rate was raised by insurance that was packed into the loan that was unnecessary and useless. The XXXX insurance is useless because I'm already XXXX. The insurance to cover the collateral was unnecessary because I have renters insurance. I believe I was taken advantage of because of my deminished capacity to understand the paper work that I was rushed to sign. Because of my XXXX XXXX.. XXXX XXXX XXXX XXXX..XXXX. I am required to take heavy medications including XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ). And XXXX ( XXXX ) .. These medicines make it impossible to think clearly as quickly as I was moved through the loan process.. Checks to the insurance companies had already been cut before I started filling out paperwork and were the first things for me to sign.. I was given the impression that it was Required to receive the loans since the checks had already been made out. I also believe I was charged a predatory interest rate because of my XXXX XXXX XXXX XXXX.. my credit score at the time was not bad enough to require a 39 % rate when I was later approved by another company at 29 % .. I believe XXXX XXXX intentionally violated the E.O.Debt Act of 1989.. I have since learned! from legal aid services that XXXX XXXX is on Indianas predatory lenders list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
We asked for proof of debt from XXXX XXXX XXXXXXXX which was never delivered. On XX/XX/XXXX their company ( from number XXXX which I verified was Portfolio Recovery ) called at nearly XXXX XXXX. I have screenshots and can provide phone records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with TD Bank and have had it for 12 years. I am often times charged an OVERDRAFT PD even when I transfer money over from my savings account to cover the transaction. Even if the transaction is still pending, or hasn't even shown up on my online banking summary, it will still be put before my transfer of funds. 

The four most recent OVERDRAFT PD 's are : OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$70.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I setup a reoccurring payment with Toyota financial services on XX/XX/2017 to pay the loan on my new truck. The payment that was setup ended up being {$50.00} less than the contract amount. Toyota financial services made 10 payments at that amount and ended up charging me late fees with each payment and snowballed the account and reported it as being in default on my credit report. All 10 payments were made on time but since the reoccurring payment system withdrawal was for {$50.00} less than the contract amount. Toyota financial services never contacted me about this issue. The payment system should not have allowed the payment to be processed for less than the amount due. When I contacted them they would not return my call as promised and several email attempts have failed. I paid the account up to make it current and also adjusted the reoccurring payment to cover the proper amount due each month. I feel that Toyota financial services allowed this default to occur and collected on the late fees. I want all late fees removed from my account a don my credit report updated to show that all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Years ago I was never informed of the debt and I have no contract with budget control for {$160.00} and want it removed immediately from my credit report Thx for getting this bad damage to me fixed in advance XXXX 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 2017-08-08
Company: Collection Bureau of America Ltd.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from COLLECTION BUREAU OF AME. I had previously disputed this account. I have never done business with COLLECTION BUREAU OF AME. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that COLLECTION BUREAU OF AME provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COLLECTION BUREAU OF AME Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Sent XXXXXXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.

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 2022-10-04
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I initially made a call to Nelnet requesting a refund on XX/XX/XXXX, and was told I would receive an update within a weeks, and if not to call back for a follow up. I called again XXXX and they mentioned that it was still processing, and would receive an update shortly. I called once more XX/XX/XXXX and XXXX for an update and was given even more unsure answers after and they were not able to send an email for confirmation. The dates given during the call were random, so I'm not super sure if it really went into processing. 

I have seen multiple people who have requested a refund way after I have receive their refund and have their balances reinstated, so I'm just concerned about what the status of mine is, since there have been no follow up contact on their side with updates. It's just me calling every other week to get a standard cookie cutter answer, so I am a bit frustrated although I know they too are swamped with calls. ( And of course, I want my balance reinstated and my check refunds mailed )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for Chapter XXXX BK in XX/XX/XXXX and was XXXX XX/XX/XXXX and the mortgage was not reaffirmed. Chase has reported negative credit marks to the credit agencies from XXXX to XXXX. My loan was serviced released in XX/XX/XXXX and Chase filed to notify my new servicer about my Chapter XXXX discharge and the loan not being reaffirmed. Because of Chase error and not providing the new servicer with the correct information during a transfer the new servicer also started reporting to the credit agencies. I was able to submit my Chapter XXXX information to my new servicer and they have since corrected the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use Equifax ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time XXXX ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against XXXX for violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX was found to be charging an annual charge on my credit card and I NEVER signed up for such a membership or autopay program with them. I already contacted them last year regarding the difficulty in handling the one {$20.00} charge I authorized and requested NO MORE charges. This charge recently XX/XX/XXXX on CASH card is improper.

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 2021-02-09
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I applied for a refinance through Amerisave Mortgage on XX/XX/2020. We just did our signing/closing last Wednesday the XXXX of XXXX. This company refuses and rejects calls from you and has the worst communication. I have documented every call and email this 4 month period. When you get a response, it is always by email. They will email you and say they have been trying to call or reach you. Complete XXXX XXXX XXXX. When you do speak to them, you receive attitude and unprofessional customer service. For months, the loan processor kept telling me tge underwriter is still working on your loan. The underwriter needs more documentation, needs more paystubs, needs letters from your employees. Tgis we t on every month sending repeated documentation. My wife and I have good credit, careers and paying jobs. They have no problem contacting you when they need documentation to process your loan. It has been a complete nightmare working with this lousy XXXX company. We finally closed last Wednesday and have not heard a word from our loan originator or processor. We have not received our funds or means of paying other creditors off. This is my 4th time in my life i have refinanced and it usually takes 3 weeks, not 4 months. Now we sit in limbo, waiting with no communication wondering if this was even a real mortgage company. We feel like we've been scammed. I just don't want it gets to go through this hassle and stress. The government needs to look into or investigate this companies unprofessional practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to XXXX XXXX XXXX XXXX, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. XXXX XXXX XXXX XXXX did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.

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 2021-02-09
Company: Westcreek Financial
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/2020 I was given a {$3000.00} line of credit with Westcreek Financial with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to XXXX since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked Westcreek financial to submit notice to XXXX  and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called Westcreek  back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. Westcreek stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with XXXX  and XXXX   and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX  and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to access credit reports online through XXXX  and transunion. In addition to that unable to do online disputes.

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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have made several dispute, one in XX/XX/XXXXand the other in XX/XX/XXXX for several different amounts of debt owed that was paid down, I have worked very hard to pay these account down and some PAID IN FULL The account that is in collections from a medical bill, XXXX XXXX XXXX XXXX those bill has been paid in full, my XXXX BILL also. Many of my cards have been paid with no late payments for at least 6 months. Also new cards to increase credit as suggested by XXXX XXXX/XXXX  and my loan officer. One other credit bureau I have seen my score increased because of making payments and new cards added to my account to increase my credit  score. I am working very card. I just want TRANSUNION credit score please need to reflect my efforts by increasing my credit score. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX-XXXX ) for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.

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 2021-11-01
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
American Express National Bank XXXX XXXX XXXX u s a all disputes have timed out of the past ten years due too barriers to citizens of the united states not being able to gather and forward supporting documents from hotels and airlines in the us when it was charged on a prepaid bank card the bank will not help in any matter with all of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capio Partners , LLC has a collection on my credit report from XXXX XXXX XXXX of XXXX XXXX. The debt has long been paid in full ; however, XXXX XXXX still has the Collection on my credit report which is negatively impacting my credit and ability to purchase a home. I have contacted them and requested they remove the collection and was assured that they would ; however, they have failed to do so. My home lender is pulling another credit report in a few weeks so this collection - which has long been paid - needs to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I pulled a copy of my credit report and noticed that there are some inaccurate accounts being reported on my report. These accounts are in violation of the FDCPA and the FCRA. I have contacted these companies as well as the credit reporting agencies and they have been unable to verify how these accounts were verified as accurate. These accounts are affecting my overall credit profile and credit worthiness. I don't have any contracts with the companies that are alleging that a debt is owed to them. I have requested they provide evidence to support their claim in which they have failed to do so.

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 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have been reported to owe a debt to Bank of America. It is reported to my XXXX credit report. I have tried contacting the creditor and provided my social security number and yet they do not have any information. I did not open the account and have been given no evidence of the debt.

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 2018-02-20
Company: Voss & Klein, LLC
State: FL
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 from an old debt collection originally opened XX/XX/2013 I hired a pool company ( XXXX XXXX ) to do pool repair and after breaking up my deck, and claiming to fix the leak ( but didn't ) wanted to charge me {$450.00}. 

I said no, because they didn't do a good job, and they have sold this to a debt collection attorney in Florida Voss & Klein that refuses to remove the reporting from my credit report. 

It's time to move on and drop the matter as it's FIVE years ago, and they are still reporting it as a negative. I'd like this removed from my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation