BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit card
Issue: Payoff process

Complaint:
After missing a couple of payments in XX/XX/XXXX, on XXXX XXXX, XXXX Target Cards called me to set up a payment plan for my unpaid balance. The initial agreement was made for about 12 months @ $ XXXX/month set up for automatic bill pay from my checking account. On XXXX XXXX, XXXX Target Cards then sent me a form and phoned me and arrangements were for them to continue to debit my account in a new amount of $ XXXX/month, I also agreed to this on a 4 year term, through payoff of the credit card. I was called again by Target Cards on XXXX XXXX, XXXX at which time they wanted to set up an agreement through XXXX XXXX in the amount of $ XXXX/month. I was confused by their phone call because we had made a 4 year agreement 3 months previously but trusted they knew what they were talking about. While on an extended trip away from my home dated XXXX XXXX, XXXX, Target Corporate Services sent a letter stating there were revised terms as of XXXX/XXXX/XXXX, " The current monthly payment {$33.00} will remain in effect indefinitely, and will not expire. '' Please keep in mind, I have at no point refused these automatic debits/ cancelled any payments/ nor switched accounts or banks. On XXXX XXXX, XXXX I received another letter from Target Visa Credit notifying me my account was past due, I called them immediately and they had already turned the account over to a collection agency, XXXX. An agreement of $ XXXX/month for 2 years was then made with XXXX, I once again agreed to have the money automatically drafted, supplying my account information, yet again. I received my last statement from XXXX XXXX XXXX, XXXX stating they had taken their payment from my account, however, their statements show no balance. Communication ceased until I received a letter from XXXX XXXX on XXXX XXXX, XXXX, apparently another collection agency seeking {$280.00} due by XXXX XXXX, XXXX. I have not responded to their attempts to communicate and feel I have given due diligence in my many attempts to pay off this debt. Throughout the XXXX agreements made my bank account information never changed, I never refused payment, and payments were never returned due to insufficient funds. I believe I have communicated and positively agreed each of the five times Target and CBE sought to collect money from me. My credit has now been impacted negatively by their inability to offer competent payment agreements and I am not willing to make yet another agreement, number six. Furthermore, because these arrangements were terminated prematurely, I have suffered monetary loss by the compounded interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Professional Credit Management, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Professional Credit Management, using address XXXX  XXXX  XXXX, XXXX, Ar XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this compliant because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thanks

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 2015-07-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a debit card with TD Bank. I have been charged for overdraft transactions that I have n't agreed to. The reason for the charges, as they explained me at the bank, was because the check I deposited was not cleared when I proceeded to use my debit card. As such, I was charged the amount of XXXX dollars each time I used my debit card during the time my account had XXXX funds available ( XXXX dollars in total ). As a debit card holder, I assumed that I would not be able to proceed to transactions when my debit card has XXXX funds. I never agreed to such charges or the service provided as a " courtesy '' from TD bank as the employer of TD bank told me. Important to note that when I opened my bank account ( at XXXX, XXXX location ) they did n't point out that such a service is provided for my account. To me, this does not seem as an implied term, but rather corresponds to misleading information and unjustified enrichment by the part of the bank. The purpose of having a debit card was exactly this, to avoid overdraft charges!!! While using my debit card I was not aware that I did not have enough funds and I did not consent to any overdraft charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans including capitalized interest was {$23000.00}. I have made {$3400.00} in payments XXXX, however my balance including interest is {$21000.00}. Even after I calculated the interest rates of my loans and how much interest there would be there 's still several XXXX dollars I ca n't account for. This made me look at the federal website to see what information they had on my loans. The federal website says that I have {$8.00} in outstanding interest, but Great Lakes says I have {$30.00}. Because of these inconsistencies I asked my borrower Great Lakes to notify me how much outstanding interest each loan had at the time my grace period ended, then in XX/XX/XXXX and in XX/XX/XXXX so I can verify that 1 ) the correct amount of interest was there based on my interest rates and 2 ) as much money as they said went toward the loans did. They have not provided that information. I think they are putting incorrect values for outstanding interest that no one can confirm which allows them to collect more money and makes it more difficult to pay down principal balances on loans which would be an illegal practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I deposited XXXX into a college fund for my son. The college fund comes with a credit card The card was a " XXXX XXXX '' XXXX College Rewards - American Express. 
With XXXX or 2 % cash back deposit into the XXXX plan. 
The card was tied to XXXX XXXX XXXX which can be accessed via XXXX The service was horrible. There was no bills, there was no way to pay the bill except by mailing a check to a very hard to find address. 
Lately the card management passed to XXXX. After this, they started charging extra fees, and reporting me for missed payments with out notifying me that their policy regarding missed payments changed. Prior to this I would make payments at my leisure every XXXX to two months. 
Lately they demoted my credit from XXXX to XXXX. I am pretty sure that they dropped my credit score by at least XXXX points. Never get 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 2016-02-15
Company: Ricart Financial Services
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
IN XXXX after filing for bankruptcy due to a divorce. I got a auto offer letter from a dealership stating that I could be approved, after obtaining the auto, the rates and fees just became unbearable, the company repossessed my auto in XXXX after making payments for almost three years. This has been on my credit report as a repossession since then. After working to build my credit score back up, I noticed a inquiry that I did n't make from a company I did n't recognize, after review it was COCC, the people who had repossessed my car. they now have a new name and say I still owed over XXXX on this car that was repossessed almost three years ago. On my equifax and transunion it now shows up a current repossession under the company 's new name and also shows up under the old name as a repossession form three years ago. my credit score has dropped over XXXX points due to reflecting XXXX repos, can the same company report that information twice or should it be updated, and this company is pulling hard inquiries on a weekly basis now. I do n't know what to do, I need help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a XXXX collateral release transfer and it's on my credit report ... I didn't use this at all after XXXX XXXX then again I found out by requesting statements Every single payment to that card was an automatic payment so I should no late payments. i I'm seeing a past balance on one of my credit reports for XXXX and the account is closed. I have tried to contact Wells Fargo  to make sure I was not negative. I cant obtain my original checking account where I made the payments. My credit score for making on-time payments with wells Fargo was XXXX. I never received any letter from wells Fargo of any overdrawn account. I never went over-limit in the 4 years I had the card.

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 2016-06-08
Company: Arcadia Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they 've been calling me for four mounths. I tried to cooperate and pay with them as long as they are legitimate company, First 2months i had no idea, so i asked them to wait me to figure it out from originally generated debt company. they didn ; t let me and pushed me to pay over the phone right away, also i asked them to talk in paper as well but i havent got any paper so far. 
AND i found CFPB to get some information to take care of it today the guy named XXXX XXXX call me and i asked company info, address, and lisence number. 
He REFUSED it BUT he has my information ( dob.address.and so on ) I don ; t want them to call me and get rid of my info thank

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 2015-12-13
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Pharmacy Counter, XXXX XXXX XXXX XXXX, XXXX, OH,XXXX, loaned a XXXX to me for my child. I returned the device with a co-payment remaining from myincurance company of {$19.00}, on XXXX/XXXX/2015. I was asked by The Phramcy Counter to pay that co-payment before leaving, so ( with child in hand ) I did. I made a payment with my bank debit card on site. 
A few weeks later I receveied a bill in the mail from The Pharmacy counter for the same amount ( {$19.00} ), which I had already paid. Thinking that it must have been an oversight on the Pharmacy Counter 's part, I shreded the bill and thought nothing of it. 
About a month or so later, I received a letter in the mai lfrom Credit Adustments Inc, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, attempting to collect {$19.00} for The Phramacy Counter, which I paid on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX 2016 we mailed our payment into TD Autofinance. They lost it. However they starting calling twice a day, leaving voice mails ; in said " call by XXXX or this is your last chance ''. On XXXX XXXX they suddenly found the XX/XX/XXXX payment and applied it. Just a few days before cashing the XX/XX/XXXX payment on XXXX XXXX. The account is now current plus a little extra. My entire life I have been on time with payments - even paid cars off early. Today - XXXX XXXX a letter arrived in the mail saying they are going to report me to the credit bureaus for being late. How is that possible when they lost the payment ( that was dated XXXX XXXX ) and found it over a month later. 

If you have a choice - do n't use this company. I had no choice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IN THE LATTER PART OF XX/XX/2020, I DISPUTED SEVERAL DEBT COLLECTIONS WITH ALL THREE CREDIT BUREAUS AND THE RESULTS CAME BACK AS IF NO INVESTIGSATIONS WERE MADE BY XXXX XXXX OR EQUIFAX. I MANAGED TO CONTACT THE DEBT COLLECTORS XXXX, XXXX, XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX AND UNABLE TO GET A COPY OF THE INVESTIGATION MATERIAL SUBMITTED BY EACH OF THE THREE ( 3 ) COLLECTORS. I TELEPHONED ALL THREE ( 3 ) CREDIT BUREAUS AND ASKED FOR A COPY OF THE INFORMATION SUBMITTED TO THE THREE ( 3 ) COLLECTORS AND I WAS GIVEN THE RUN-A-ROUNDS. I HAVE REASONS TO BELIEVE THE THREE ( 3 ) CREDIT BUREAUS ARE LYING ABOUT SUBMITTING ANY INQUIRY TO THE DEBT COLLECTION AGENCY FOR THEIR INFORMATION. I BELIEVE THEY PLACE THE DISPUTE ASIDE FOR THIRTY ( 30 ) DAYS AND DECIDE TO LET THE DEBT THAT'S BEING DISPUTED REMAIN ON THE CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: GREAT LAKES
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Great Lakes has just initiated a new policy. Based on the way monthly payments are not structured, borrowers pay higher interest rate. Under the new policy, all auto-pay payments are processed on the XXXX - the last day of the billing cycle. If a borrower wants to then make an additional payment, it will be applied to next month 's minimum loan amount ( instead of the principle of the highest interest loan ). 

For example, I made my monthly auto-pay on the XXXX of XXXX. Less than 24 hours later, I made an additional {$900.00} payment so the entire payment would be applied to the principal of my loan. Great Lakes informed me that the additional payment is now being applied to the *next* billing cycle ( XXXX ). Instead of lowering the principal of my loan, it 's being applied as a minimum monthly payment for XXXX. 

If I were to make the {$900.00} payment earlier in the month, ( on the XXXX, for example ) before the auto-pay processed, I would be paying interest from the date of that payment until auto-pay. So my {$900.00} payment on the first would be applied to the minimum monthly payment and then I would pay interest for two additional weeks until my autopay processed on XXXX XXXX. Instead of paying on the first, if I make it on the XXXX, the payment goes to the next billing cycle and is applied as my minimum monthly payment. Inevitably, this means that borrowers pay additional interest on their loans. 

( Prior to this, a borrower could pay via autopay and then, within the same month, make a payment to lower their principal. I had done this for months until Great Lakes instituted this new policy )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX I originated an external transfer from my XXXX XXXX XXXX account to my TD Bank account for {$250.00}. At no time was I advised there would be a fee for this transfer. In fact, the confirmation I received clearly stated no fee associated with transfer. Checking my XXXX account on XXXX, I noticed a misc fee of {$3.00} being charged. I contacted XXXX on XXXX they informed me this fee originated from TD Bank for transfer. I called TD Bank on XXXX and was informed that yes, there is a fee assessed. I advised fee never disclosed as required by law they either refund or I file a complaint. The customer service rep refunded me the {$3.00} to my TD Bank account. On XXXX I checked my XXXX account and noticed this time XXXX {$3.00} fees have been deducted by TD Bank . I contacted TD Bank customer service, speaking with XXXX - Customer Service Manager. I informed him what had transpired yesterday and that today TD Bank has re-assessed me the original fee, the refunded fee and an additional fee. XXXX indicated he is not going to refund the fees because there is nothing he can do. I again informed TD Bank that the assessment of the fee was not advertised and in my opinion is in violation of the law. I further informed XXXX that if I did not get the fees refunded I would be filing a formal complaint - he told me to do what I felt I had to do. I

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XX/XX/XXXX, I borrowed {$2000.00} from TITLEMAX of Ga. 
I made payments as agreed and sometimes more to bring down capital. I have been making payments for 3years totalling over {$12000.00} on a {$2000.00} loan. XX/XX/XXXX the car brokedown and is not drivable and too expensive for me to fix. 
FIRST OFFER i made. I gave Titlemax the address where the car was located and advised them to go pick it up in lieu of anymore payments and closeout my account. They never picked up the car. Instaed, they kept calling me and demanding payments. I made futher payments. 
SECOND OFFER i made. On XX/XX/XXXX, I made a payment to Titlemax and I ALSO OFFERED THEM {$1000.00} as full payment to closeout and settle the account in FULL. I had a friend who was willing to loan me the {$1000.00}. I presented this offer to XXXX, the manager at the XXXX store, who promptly sent email of my offer to his boss immediately. He promised me it will only take 2days to get a decission. I made it clear that I could no longer afford monthly payments and the payment was my last and my offer was final. I had been making payments since XX/XX/XXXX totalling over {$12000.00} and can not make anymore. 
It 's been 2months and Titlemax has yet to accept my offer. Instaed, they keep calling me demanding a payment of almost {$3000.00}, which I can not afford. 
THEY HAVE BEEN VERY UNFAIR AND VERY GREEDY AND IMPOSSIBLE TO DEAL WITH. 
My offer is fair considering ALL THE MONEY THEY MADE FROM ME ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX we lived in XXXX Apartments. My husband XXXX received military orders to move to a unit in XXXX. Per the military clause in our lease agreement we needed to provide the orders to the leasing office and give a 30 day move out this ensures the lease would be terminated properly without additional money being due ( i.e re-letting fee ). I followed the exact process and my move out was approved. During my final month in the apartment as I was packing I received a knock at the door it was the Sheriff bringing eviction paperwork. I informed the sheriff I was moving due to a PCS ( permanent change of station ) ordered by the military and he instructed me to go file an answer with the courthouse. I did just that. I brought the eviction paperwork from the sheriff, our orders, & the letter from the apartments approving the move out and the case was dismissed and we were allowed to continue our move out as scheduled without harassment. At the end of the month my family left the apartment turned in our keys and continued on to XXXX. XXXX XXXX 7 months from the courts dismissal the apartments were used as a reference on an application for a new home we were interested in renting, we were subsequently denied because a report was sent to the property management company saying we broke our lease. Needless to say I contacted the apartment and was told by XXXX XXXX that she was referring us to a collection agency and would not send us any documentation on how or why we owed money. Since that time we have been trying without resolution to get answers and get this debt removed. This debt has destroyed both mine and my husbands credit. I believe due to my personal history with XXXX XXXX that she decided to furnish false documents to hinder us from being able to rent anywhere in the state of XXXX. I believe this to be the product of malicious intent because again we followed the law, the case was dismissed and nothing was ever reported until after we needed to use them as a reference. To date, we have been denied credit, apartments and a mortgage loan due to this action and on top of that our score has plummeted several points. I will also add the eviction that she attempted to do she knowingly lied on court documents stating that we were not affiliated at all with the military. This past weekend I stopped by the apartments and was able to get a copy of our " charges '' and found that the information included damages, furniture removal, eviction fees and reletting fees. This could n't be further from the truth. My court documents substantiate the false claims.This complex specifically XXXX XXXX is doing this for her own vindictive reasons and she should be held accountable.

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