BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-17
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone stole my personal information and later used that information to open the following acct. in my name : Toledo Finance Opened :  XX/XX/19 Amt. XXXX I have provided them with my Police report and FTC ID Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I received a credit for a partially refunded transaction placed on XX/XX/2020. On XX/XX/2020, TD Bank charged me an overdraft charge of {$35.00}. Upon calling to dispute the transaction, the rep i spoke to stated the bank could not waive the fee as a 1 time courtesy, considering I am a new customer and the funds were immediately refunded prior to the fee being charged. When the transaction that overdrafted my account posted, I thought there were sufficient funds, considering the XXXX dollar refund that was credited to my account. I was unaware it would take several days to post. When asked to speak to a supervisor, the rep told me she was a supervisor and that she was taking calls due to high call volume. The rep at TD Customer Service would not escalate the call. It was disappointing to realize I was unable to escalate the call. Overall this was a frustrating customer service experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to transfer out {$5.00} from my Discover savings accounts to my checking account at a different bank. I received this message, " Your transfer must be greater than or equal to {$25.00} ''. I have not had this experience with other banks savings accounts where a minimum amount is required to set up a transfer without using a bank representative. Is this allowed under bank regulations to prevent access to funds if less than {$25.00} is available?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
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:
Over the last 6 months have been trying to get XXXX XXXX to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, XXXX is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay XXXX or XXXX then how do I suppose to pay them???? <P/>Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2.  Dates, times, and e-mails when these conversations has taken place? <P/>3. Last date of activity for this account? Which is not displayed on the credit report why?? <P/>4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current? <P/>5. Please provide the original documentation sign by XXXX XXXX. <P/>6. Please provide the date and time when the account was transferred from XXXX to a government servicer. <P/>7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts. <P/>8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE? <P/>This does not make sense at all and should be investigated all my accounts are to date and XXXX XXXX is violation of the FCA. From this point I will consultant the attorney that sued Equifax for XXXX XXXX dollars because they refused to remove inaccurate information of her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is a result of fraud and identity theft. This account does not belong to me and was opened as a result of identity theft without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am in XXXX school seeking an in-school deferment for payment of XXXX student loans. My lender, XXXX/MOHELA, refuses to accept enrollment verification from the XXXX XXXX XXXX  or the XXXX XXXX XXXX XXXX XXXX as support for an application for in-school deferment. XXXX/MOHELA requires that a representative from my current school fill out and sign part of the deferment application to verify enrollment. However, my school contracts with the XXXX XXXX XXXX to be the sole provider of enrollment certifications and, therefore, will not fill out the XXXX/MOHELA form because of contractual obligations. The registrar at my school has dealt with my lender on multiple occasions and has told me that XXXX/MOHELA will begin to accept the XXXX and XXXX   data as proof of enrollment. XXXX/MOHELA still refuses to accept my deferment application without a signature from a school official. 

Apparently, private lenders should be able to view enrollment, and my lender has in fact viewed my enrollment, on the XXXX   website. My school and the XXXX XXXX XXXX notified XXXX/MOHELA of my enrollment each and every semester. This has been an ongoing issue for two years. 

Initially, XXXX/MOHELA told me that XXXX and XXXX   data is only acceptable to public lenders, not private. After the registrar 's office at my school told my lender that what they told me is incorrect, XXXX/MOHELA now denies my in school deferment application simply because they do not accept verification from third parties. The form of verification I provide is acceptable and proves that I am currently enrolled full-time and in good academic standing, however, it is just internal policy at XXXX/MOHELA to refuse such verification. The repeated denial of in-school deferment has led to increased payments, late payments, and negative reporting to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They call my minor child 's cell phone starting at XXXX local time running throughout the day from different numbers each time. If anyone answers or calls back they become threatening and abusive on the phone. How they can do this to a child 's number is beyond me. We've reported it to them, blocked the numbers but the calls and abuse just wont stop. 

Protofolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Excessive calling one day after due date .Even called on XXXX morning at XXXX on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Contacted TransUnion on XX/XX/2020. My FICO Score was XXXX. A key factor affecting my FICO score, according to TransUnion, is that I do not have any loan activity. This is inaccurate. I have a mortgage loan ( which TransUnion fails to report ) and a line of credit ( which TransUnion also fails to report ). When asked why they fail to report both loans, they stated the loan company was not paying TransUnion to report my loans. SInce TransUnion does not correctly report my information, TU should not be reporting my FICO Score nor stating there is no loan activity when there clearly is loan activity. If TransUnion wants to report on me, it needs to be accurate.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Repeatedly called me at all hours even when told we live in Hawaii still call at XXXX. Calls 20 times a day on various numbers to our various phone numbers. 

The threatened my child after my minors told them they were kids and didnt know anything saying they were going to put me in jail. 

They called my elderly mother and told her if she didnt pay my debt I would go to jail. 

They are abusive and I've repeatedly asked for proof of the debt they claim I owe them. I've informed them I will only pay the debt originator and not them and written and verbally told them they may only contact me via writing after the continued abuse. 

Further, they are calling on a debt that is outside the legal collection period of my current residence and outside the window of my prior residency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency alleges that the deceased debtor incurred charges with XXXX XXXX XXXX after his death and refuses to provide documentation after numerous requests ( see attached ). It appears that this collection attempt may be a scam targeting estates of deceased individuals

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to this business plenty times for verification unfortunately they have not responded! I never lived at this address nor do I know anyone. Please remove from report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Santander Consumer USA 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I filed a complaint against Santander with the CFPB and I was told to call the CFPB which I did for my results. Well according the representative for the CFPB she told me it was nothing they can do for me because Santander told them that I had attorney and they could not speak to CFPB about the matter and the comments that they put on my credit report as a paid charge off. Even though our agreement was once I paid the amount they gave to me that day on XXXX2015 and by a certain time which was XXXX that day they will closed the account and have it as paid and closed on my credit report, but that was a lie they only told me that so they can get my money and still put negative reporting on my credit report and they still sent me a XXXX for the remaining balance but listed it as a charged off and now since I called and file a complaint with the CFPB they have updated my credit report with all kinds of LATE FEES and negative markings, like as a retaliation to me from their company because of me filing this complaint and I did this because they are a very dishonest company and have had several complaints wrote up on them for this same situation. All I want is for Santander to do what they promised me before they took my money and that is report truthful information and stop being dishonest saying I have attorney on my account and IF THAT IS THE CASE then : I am giving CFPB the permission to access and find out any information that is on my account.and like I stated before the FRCA states the information should be true and accurate and not JUST START reporting negative information since a complaint was file with the company ( Santander ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and Associates began contacting around mid year of XX/XX/XXXX in regards to a medical debt originally from XXXX XXXX Hospital. I informed the company at the time that the debt had been paid directly through XXXX XXXX Hospital. I informed Wakefield and Associates that the amount that they had was also the incorrect amount. I then contacted XXXX XXXX who stated that the debt should take care of itself since I did pay it directly through XXXX XXXX. Since then Wakefield and Assoc. have been increasing the debt by {$1.00} every so often. I have contacted them again and asked for them to remove the debt as it has been paid. I have a receipt that requested from XXXX XXXX as proof that the payment was made on XX/XX/XXXX. XXXX XXXX billing even stated that this company should not be collecting on this 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 explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The accounts currently on my credit report are not mine. I have recently discovered them and did research to understand what my next steps are to remove them because I am a victim of identity theft. I am submitting this to ensure that these accounts are removed and blocked to protect me from the individual ( s ) from continuously using my information to open fraudulent accounts.

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 2020-10-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. Please delete 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 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.

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 2020-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
XXXX Credit Report confirms BANK OF AMERICA Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX  XXXX  Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by Bank of America. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.

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 2020-02-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX/XXXX  XXXX  # 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 explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
I Have been 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 2020-02-17
Company: Diversified Adjustment Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a debt collection letter from diversified Adjustment, Services on behalf of XXXX XXXX for {$2600.00}. I immediately called XXXX XXXX, as the collection agency was closed. I was informed that I had opened three lines of service at one of their wireless stores almost 200 miles away from where I lived. They said this took place on XX/XX/XXXX. This was the first letter I had ever received and first knowledge of this account. They said in order to open an account in store I would have had to show my ID as well as give my social security no. This was NOT ME. I closed my account with XXXX XXXX in XXXX of XXXX. I have since been with XXXX and now XXXX with the same phone number as I had with XXXX XXXX. I feel that perhaps the customer service person at XXXX XXXX helped someone commit fraud or did not properly check identification as there are no other suspicious activities on my credit reports. I have, this date, XX/XX/XXXX, frozen all three credit agencies as I am afraid of having my identity stolen again and that there could be other accounts out there in my name that I am not aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CITIBANK, N.A.
State: CA
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:
A credit card company has denied my application for a new card and refused to give me a reason. Is the company allowed to operate in this manner?

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 2018-09-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PennyMac misappropriated the entirety of multiple payments as " Principal Reduction '' as opposed to " Payment '' and then proceeded to charge a series of late fees. When attention was raised PennyMac agreed to withdraw only the most recent late fee.

Company response to consumer: Closed with monetary relief