BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am writing on behalf of my teenage son, who just turned XXXX and was a student at the University XXXX XXXX Florida in XXXX. He stopped going to school temporarily until he could decide what he wanted to study. He knows he owes the university money, but he received absolutely NO communication from the school regarding his debt, not even a notice that his debt would go in to collections if he did not submit a payment. 

My son was first contacted by PHONE from the XXXX XXXX XXXX collections agency of XXXX, NY. This was his first ever dealing with debt and neither I or his mother were home to advise him. Instead, the company told him over the phone they needed his credit card number and to pick a date to start taking money out of his account. About a week later, on or about XXXX XXXX, he received a debt collections letter and a few days after that they removed {$360.00} fro his bank account. 

I am upset with the University XXXX XXXX Florida for failing to contact my son FIRST to try to make an arrangement to pay. There were no letter sent to our house, no phone calls made to alert my son they were going to send his debt to collections if he did n't make a payment. 

Both the University XXXX XXXX Florida as well as the XXXX XXXX XXXX XXXX XXXX ( ConServe ) took advantage of my son and did not provide him with an adequate opportunity to make arrangements to pay back the university. Furthermore, the collections cost on his {$3300.00} debt was {$1000.00} -- approximately one-third of the cost of his debt. NO credit card company, no mortgage lender, no bank I know of levies a 30 % penalty on debt, especially without attempting to make an arrangement to pay. 

The university should be ashamed of themselves for this practice. My son simply did not know how to react and this is his first " real world '' challenge as a young adult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX {$30000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 85 Months Monthly Payment {$640.00} Responsibility Individual Balance {$30000.00} Highest Balance {$45000.00} Payment Status Current Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/0/0 Remarks --

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 2020-01-07
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My Name is XXXX XXXX, XXXX. I spoke with XXXX XXXX at Southern Management XXXX XXXX about a debt owed from XXXX XXXX Apartments. After reviewing the lease contract he found that lease did not have my information on it. He told me he was going to correct the mistake and take it off my credit. 

I contacted him today because the debt is still showing on my credit. And XXXX told me he had no plans to remove it now. I know the phone calls are recorded. My phone number is XXXX. I spoke with XXXX before the week before XXXX XXXX and today XX/XX/XXXX. 

I need your help. i hear great things about this agency. Please feel free to contact me on my cell : XXXX or by email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXX XXXX XXXXXXXX -Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX -Inquiry date : XX/XX/XXXX XXXX XXXX -Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Fay Servicing ( Loan Number XXXX ) has been making unauthorized withdrawals from my checking account in order to pay for forced-place homeowners insurnace. 

I have repeatedly provided proof of homeowners insurance ( XXXX ) and yet they continued to extract money from my account to the total of {$7700.00}. 

Repeated emails to the customer service has yielded only a halt to extracting the insurance premiums, but very little ( {$2700.00} ) in the way of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am reporting late payments to my credit that are affecting my XXXXredit score and I need action to be taken on the matter. I have reported it to  Experian and they have not taken any action in my favor!! right now I am coming to you so that you please demand that they remove the late payment from me! Thank you very much from XXXX to 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 2022-01-26
Company: Experian Information Solutions Inc.
State: CA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2020-08-08
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
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:
As per the Cares Act I needed to do a Mortgage forbearance due to loss of income due to covid-19. I was approved for a 90 day mortgage Forbearance. I paid 30 day and only needed a Forbearance for 60 days two months. As my forbearance ended XX/XX/2020 it was immediately reported to my Credit agency as being Delinquent and over 60 days past due. Which caused over 85 points to drop on my credit score. Now putting me at risk for not getting the proper credit needed. I even called the mortgage company at the end of XXXX to see how I will pay back the 60 days I owed and was told the results will be mailed out to me. And to continue paying my current payments which is after the forbearance which I did. This is a violation to the Cares act put into place to help People like myself who was trying to keep a roof over there family during these hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I am filing this complaint for a client of XXXX XXXX XXXX. He is in our debt settlement program. OneMain Financial has called his work on many occasions after being told by him that it will impact his job. He has since been given a verbal and then a written at work due to the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX LVNV Funding LLC Original Creditor- XXXX XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$160.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: MO
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:
I took a loan in XX/XX/XXXX, and you report a payment in XX/XX/XXXX, but not XXXX, XXXX, and XX/XX/XXXX. You are reporting the loan at 20 % paid when it is in fact 60 % paid. I KNOW this to NOT be the fault of the Bank, My Bank is a Small Bank, Family Owned for 4 generations, and not affiliated with any other XXXX XXXX XXXX  Anywhere, We are a small close Family and I have ask the President about their Reporting Habits, His answer is, They report Monthly, So I want to know Why XXXX XXXX is Always 3 months behind on getting it on my Report,,,, You are Falsely Keeping My Credit Rating Below what it should be, and I would like it FIXED within 30 Days, A carbon Copy of this Letter will be sent to the Consumer Advocate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed multiple inquiries on my report I do not recognize

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 2022-01-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi, Can you please help me ask TD Bank to close my checking account? I opened an checking account online with TD Bank. TD bank has never allowed me to really use it. So I asked TD Bank to close the account. TD bank refused and keeps charging me $ 25 monthly fee. 

Here is more detail : I opened an checking account online with TD bank in XX/XX/XXXX. I was then not allowed to use the account. TD bank asked me to go to a TD bank branch. I can't go as the nearest branch is like five hundred miles from me. So I asked TD bank to close the account. In XX/XX/XXXX, TD bank told me the account was in the process of being closed. However, when I checked it today ( XX/XX/XXXX ), the account is still there now and it keep charging me $ 25 monthly fee. I called TD bank again, TD bank now refused to close the account and said I have to go to a branch and pay the monthly fee for the account I have never been allowed to use. 

Thanks for you help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: OPORTUN FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was recently trying to settle charged off account with a company called Oportune. 
During XXXX, covid hit my family and myself and I was devastated financially. I was out of work and unable to pay back my account and as a result was charged off in XXXX of XXXX as bad debt and written off due to natural disaster. The original amount was {$2100.00}, but they balooned it up to {$2900.00} in 5 months. 

My family still sits in peril after the results of losing lives and jobs due to XXXX, but I want to move on. Oportune agreed to settle and already charged off account in the amount of {$1000.00}. which the asked me to agree to by XX/XX/XXXX. I sent them an email and text agreeing to the settlement before the deadline and when i called to pay they denied any agreement and told me only the full amount would be accepted. I just wish to pay the amount the offered immediately and have this account settled as they themselves proposed, not me. All I want them to do is honor the settlement offer they proposed and get this over with. My family has been devastated enough and this would be a start in the right direction. Attached are copies of the email and my response to the email they deny getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.

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 2020-08-08
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX The Receivable Management Original Creditor- XXXX XXXX Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$150.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. Sincerely, 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 2015-08-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing company is padding my escrow account they have raised my mortgage by over {$300.00} a month. And I received less than a thirty day notice. The servicing company own rules state that they must give a sixty day notice of a increase in the monthly payments. The amount of money they want is excessive and is way over the minimum amount required to have in my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX National Credit Adjuster Dear Sir/Madam, Re : Original Creditor- XXXX XXXX Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. 

If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I started a consolidation application with XXXX XXXX. They have reached out several times ( now 4 since XX/XX/2022 ) to American Education Services ( my current holder ) for my loan payoff information and AES will not respond with what they need. This is almost 30 days later and time is of the essence. 

Also I asked that AES update my file to show that in that forbearance period due to consolidation and they have failed to do so. 

AES should be sanctioned and made to follow through with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Examined my credit profile and noticed this account not sure as to the nature of this but this account named as ENHANCED RECOVERY CO is not mine. 
Amounts totaling : Alleged Debt # {$740.00} ACCT # 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 2020-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
after having my debit card cancelled the boa bank of america let visa notify XXXX computers my new debit card number and they should not be allowed ( visa ) to give out your new debit card to anyone, without permission. This is an illegal transaction why get a new debit card if the credit card visa is going to just give it out. This should not happen.

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 2015-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX I made a payment to Bank of America from my credit union checking account 's onlne service ; the payment was a mistake and should have gone to a different institution. The BOA account I made the payment to was a closed account with a XXXX balance. I recently received my statement from the account I meant to pay ( different bank ) showing they did n't receive my payment, which is how I realized I made the error in my payment. At that time I called my bank to retrive the funds.My bank followed procedure to correct the situation but was told by BOA they could n't do it due to security reasons and would need me conferenced on the call. On the same day I also called Bank of America to see if I could correct the mistake from my end which resulted in over an hour phone call, multiple transfers ending in being told 'for security reasons I would need to submit a written request, preferably on personalized stationany ( I do still have a loan with BOA so it 's not like they do n't have my personal info to compare ). As of today XXXX XXXX, Bank of America has been contacted my myself and XXXX XXXX XXXX to try to retreive the funds of {$3000.00}. to no avail. Both attempts lead to over an hour on the phone with a mimium of XXXX departments who gave us basically the run around and finally ended by transfers that never went through. My bank will be contacting them again on XXXX XXXX to try to continue to retrieve my money but I am filing my complaint now as my past experiences with Bank of America has proved to me that they will not remedy situations unless promted by the federal government. Also, as both my bank and myself have already spent waisted hours resulting in different answers from BOA I have doubts that we will be able to resolve the problem on our own. For the record, XXXX different people had originally told me they did locate the payment received on XXXX XXXX, 2015 but that they did n't have the authority to complete the refund. Today when conferenced with XXXX XXXX XXXX Bill Pay department, the different dept of BOA could n't find the receipt of the funds. That call ended in the fifth transfer which terminated during transfer so no resolve. 
I would appreciate any help you can give with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called around  XXXX  or  XXXX  to do a 70 % settlement

Company response to consumer: Closed with explanation