BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-04
Company: Financial Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to send collection notices to us for a credit card debt that is at least XXXX. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Harpeth Financial Services, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I currently have a " flex loan '' with advanced financial based in XXXX, TN, I am currently in the XXXX XXXX and have been for 7 years. I have called and emailed the company asking them to reduce my APR to 36 %. They have failed to do so. My loan was for XXXX and currently with all the fees they want me to pay back over XXXX they are trapping me in debt. How am I supposed to pay this back when they prey on me. This company needs to be investigated for fraud and abuse. Please Help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
I purchased a Reloadit pack to load money onto my XXXX card. Their website said they supported XXXX. Tried to perform the load and got a message saying that my card had to be verified. Waited a couple of hours and the verification had n't yet occurred. Called customer service and was told that it would take 4 hours. This should have been mentioned on their website. 

Tried to perform the load the next day. Still did n't work. Found out through calling customer service that they only support certain XXXX cards. Again this was not mentioned on their website. I asked how can I get my money back and was told to purchase a PayPower card. I searched for locations to purchase the PayPower card and none of the listed locations sell it. I asked customer service about a refund. They told me it would take 30 days to receive it. Nothing they 've promoted has panned out so I have no reason to believe that I will receive my refund in 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Nelson & Kennard are attempting to collect a XX/XX/XXXX judgment that was discharged in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
In short, My signature was forged as a cosigner on a Tuition answer loan in XX/XX/XXXX by an XXXX XXXX XXXX employee in XXXX, Florida. In XX/XX/XXXX I started getting calls excessively from Sallie Mae about defaulted student loan that I did not authorize and eventually they started contacting my employer about wage garnishing. I requested the proof of this application and upon receiving it I realized that the signature is a fake. My printed name was misspelled ( as it is commonly by strangers ) and the relationship to the borrow was inaccurate. I submitted a fraud dispute in XX/XX/XXXX to Sallie Mae and it was denied. During my investigation I asked the Borrower who reports that she did not have a cosigner listed for this loan. She informed the school 's financial aid employee that she was not able to obtain a cosigner and she was told to leave the application with him and he would call Sallie Mae to see if they would need one. She was eventually told by this employee later that Sallie Mae accepted the application without a cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted a claim for a refund of voluntary payments I made on my federal student loans during the covid-19 pandemic pause on XX/XX/2022 and still have not seen any effort made to fulfill my request. They keep telling me that its " processing '' but it has been several weeks and I should have seen my loan balance increase and the increase amount given back to me already. They seem to be sitting around doing absolutely nothing about my request for money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit Karma said i was Pre-approved for loan with XXXX XXXX on XX/XX/XXXX, XXXX just to get denied and now i have a hard inquiry on my credit and my score dropped also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had started out to finance a new car as I currently had became diagnosed with XXXX XXXX, I had gone to the dealer of Toyota which was XXXX XXXX  in XXXX XXXX Maryland. 
It was a XXXX XXXX XXXX and as I drove it home my wife had driven it as well she had been hospitalized for the seats that caused a severe XXXX injury in default of the seatstgat were a malfunction. I then returned the vehicle back to the XXXX XXXX XXXX in XXXX XXXX Maryland to where they had no problem to return it and the proceed to give me a XXXX XXXX XXXX I had only owned it a few months then the vehicle brake system cause me to jerk as I proceeded to stop every time I drove it. Once again I returned it back to the dealer where the sales representative gave me a XXXX XXXX XXXX XXXX I was not there to pick up and my wife had got it with my consent. 
Bottom line the car was voluntarily surrendered due to me falling out of it. 
The complaint is that they accepted the returns of the vehicles I had without legally giving the negative equity information so it was an injustice consumer manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sadly it has become necessary to file a chapter XXXX. I have retained an Attorney and preparations for a bankruptcy filing are being made. My Attorney has instructed me to direct creditors to his office. In XXXX/ XXXX of this year ( 2016 ) I notified several of my creditors of this development and all of my creditors with the exception of one have shifted communication to his office. I have a loan with First Heritage Credit,XXXX, TN XXXX Voice : XXXX Fax : XXXX In addition to making initial notification of the impending bankruptcy by phone to them in XXXX/XXXX. 2016 I also sent them via certified mail on XXXX/XXXX/16 a correspondence which served as my cease communication written notification. I again re-iterated my Attorney contact information in this communication that was received and signed for by First Heritage Credit on XXXX/XXXX/16. This communication also had the following FDCPA excerpt enclosure which highlighted point # 2 : 805. Communication in connection with debt collection ( 15 USC 1692c ) ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- ( 1 ) At any unusual time or place or a time or place known or which should be known to be inconvenient to the 15 USC 1692b 15 USC 1692c 805 15 USC 1692c consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antimeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( 2 ) If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; My Attorney information is available upon request incidentally. 

Despite these developments First Heritage Credit continues to make collection calls and has now begun to also harass the personal references I provided at the inception of the loan. I have three dated recordings from them ( XXXX and XXXX ) saved on my phone at present. 
Since I am also choosing to publish this complaint I am including this link : XXXX which give a lot of good information about repeated calls to debtors and references as well as a reference to a written cease communication. 
I see multiple violations regarding the conduct of First Heritage Credit in this matter. 
Thank You for the opportunity to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: NELSON AND KENNARD
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been trying to get this judgment taken care of with Nelson & Kennard for 30 days. I have made ten phone calls, sent one fax to Nelson & Kennard, and have only received two return phone calls. This is unacceptable. 

My first call was on XXXX XXXX, 2016 and I spoke with XXXX XXXX. She and I agreed that I have never received an written correspondence from Nelson & Kennard, not even a letter via Certified Mail which she mentioned. Nothing. During the past 30 days, I have received nothing from Nelson & Kennard supporting any debt : no copy of the alleged signed application for credit in which they are attempting to collect. 

I have provided a Satisfaction of Judgment for the XXXX debt to which I believe is the debt they are attempting to collect. 

I have good cause to believe I was sued in error. I was never served to provide me plenty of time to file a response. Therefore, this improper service provides me cause to have the judgment vacated! 

Today, XXXX XXXX, I faxed Nelson & Kennard a request to vacate, release, dismiss, satisfy the judgment immediately! 

Still, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I added a new checking account to my payment options. This checking account had enough money in the account the pay my credit card balance, in full. The new checking account was confirmed that is was active but the payment that I made on the credit card was taken from another bank account. This bank account did not have the money to make the payment, in full, on my credit card. Due to the money not being there BoA attempted to withdraw the payment, and a {$35.00} Insufficient Fund was added to my account. This amount was then " added back '' to the account, only to be removed a few days later, also causing another {$35.00} Insufficient Fund. 
BoA did not have approval to remove money from the previous account. The new account was added to make this payment because that is where the money is. Now there is {$70.00}. 
XXXX in insufficient fees added to my account that BoA is responsible for and money that was withdrawn from the incorrect account. What is BoA going to do to correct their mistake?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: DCN Holdings Inc.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
i paid two weeks in advance after taking my daughter out of this XXXX in XXXX XXXX, TX '', i have checks and bank transfer to prove it. not they are trying to charge me for an additional two weeks even when my baby was n't there. i do n't own any money and they threaten me with damage or reporting to the credit bureaus. i have all the evidence and probes that i do n't own any money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: TFS FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Completed a chapter XXXX bankruptcy in XXXX. have sent in XXXX payments since and requested a statement every month. No statements or correspondence. No year end XXXX interest statements either. I am concerned that this lender is doing this deliberately. Previous to this situation this lender took over for the original lender that closed.I am also concerned the balance owed is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Simpson Law Firm, P.A.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Actually, i did not receive notice of right to dispute, instead a guy came to my job representing Simpson Law Firm stating that i could be arrested if i do n't contact Simpson Law Firm and set up a payment plan with them. They also stated they will garnish my wages as soon as possible. 
Still i never received validation of the debt i sent them 3 times already. i sent it to them the first time last year of 2015, it was signed indicating they received it, i also faxed and send them another validation letter by fax and XXXX after they would not tell me the amount i owe over the phone. 
two weeks after sending them the last validation letter, they sent me a letter stating they will garnish my check again. I have already started the process to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Financial Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX XXXX, 2017 @ XXXX XXXX, I received a call at work from XXXX. I answered and a man gave his name ( coulnd't understand ) and the company FMS XXXX Solutions . He proceeded to inform me that I owe XXXX $ for XXXX ( my previous apt ) He asked if I was aware of this. I said, no, I 'm suprised you are calling because I was in a dispute of sorts with the office about this several months ago and had heard nothign more from them since XXXX. He proceeded to get very rude with me and said " You signed a LEASE. '' I could not get a word in edgewise and he loudly yelled, " What makes you think you are different from anybody else?!?! '' I said, Sir, I 'm going to speak to someone more appropriate on this matter. '' and I terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Admin Recovery, LLC
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This debt collector is calling my father and other family multipme times, whom I do n't have a relationship with and is disclosing embarrassing and defaming debt information as well as personal information about me. They are making it clear to my family that they are trying to collect a debt. I also just checked all XXXX of my credit reports and I do not have any Admin Recovery accounts on any of them. I do n't know who they are or why they are harassing me and my family. In the attachment that I added is a voice mail from one of their many phone calls which makes it clear that they are collecting a debt and they are also disclosing personal information about me in the phone call.. They can be calling anyone and disclosing my information. This is unlawful and unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: PA
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:
Navient can be summed up in a few words. Greedy and unhelpful. I currently make a majority of my payments and Navient has terrible customer service. For someone who is in sales, this is not how you treat customers. 

1. Constant calls to me and my co-singer ( Mother/Father ) for no reason and you do n't leave a message. Not to mention you come up blocked. 
2. Every time there is an issue you could call someone and then call back and get a completely different answer. No communication, I have had more frustrating calls then satisfied calls. 
3. Income-Based Repayment plan is absurd. You only take my salary into account, not any other debt ( living/bills/car payment/federal loans. That takes up more than XXXX my paycheck. Living expenses like eating and gym memebership. Gas and commute money ... All factor into my income. 
4. This is the most sensitive one. My parents are on the verge of retiring and are co-signers on my loans. I was told by multiple Navient employees that if I made " Two full years of payments '' my parents could be requested to come off the loan. I came thru on my part making 24 months of payments ( around {$850.00} ) a month. I was excited so I told my parents and they were ecstatic because they want to refinance and sell their house. But nope this company denies my request after I clearly met all the requirements. Because I owe them too much ... Mind you I just got a 25 % pay increase last year. They are impossible to work with. 
5. They never ever contact me to tell me I must submit a new XXXX tax form to see how much I made, putting my loans into late payment and causing interest to build. 
6. Some of my interest rates are 10 %, 11 %, and 12 %. How am I supposed to pay them back quickly with that rate? 

In conclusion I am just done with this company and am looking to refinance my loans with a private bank. I do n't mind paying for my debt knowing I got a great education. Why am I being punished or bettering myself with higher education? America needs a wake up call. Imagine if all of my fellow slaves to Navient could contribute the {$1000.00} a month we pay in Student Loans, imagine the boom in our economy. I would like to file a lawsuit against this company for negligence. They have failed to help me get a handle on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
I do not have Bank account. Rather, I use a prepaid debit card from XXXX XXXX that allows me to deposit checks by taking a photo with my phone. Recently, I tried to deposit a {$77.00} check from the U.S. Treasury for federal jury duty via this method. It was declined, and I was instructed to call Certegy check services. I did, and they said they ca n't tell me why they issued a recommendation to decline the check. They are rude, deceitful, and refused to share any kind of information that would explain why they consider a check from the U.S. Treasury a " risk ''. 

I am unable to do anything with this check since virtually all other check cashing stores, grocery store money service counters, etc. all use Certegy to verify checks. 

With just a little internet research, you 'll see that many, many complaints about Certegy have been logged, regarding the same type of poor customer service, dishonest behavior, and arbitrary decisions to decline perfectly good checks. It seems their only purpose is to make it exceedingly difficult to just cash checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation