BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I contacted Titlemax of Texas d/b/a Titlemax to obtain an auto title loan on my XX/XX/XXXX chevrolet silverado XXXX L/S pickup for the sole purpose of paying off a title loan from another auto title loan business and used to proceeds of that loan to pay off existing financial obligations. The representative at Titlemax approved me for more than I needed telling me that the interest rate and monthly finance payment to refinance the loan were cheaper. So I proceeded to take out the loan, unknown to me at the time I had to pay the entire loan back within the next 30 days or pay the refinance fee plus daily interest and late fees if the payment was made within 10 days past due. ( FALSE ) Titlemax started charging me daily interest on the interest the loan accrued after the payment due date, resulting in a higher payment to refinance the loan. I asked Titlemax if I could pay the loan back in installments to pay the loan off, they refused. I asked Titlemax if they accepted partial payments on the loan again they refused. I asked Titlemax what were my options, they stated pay the refinance fee plus the daily interest and late fees on the loan or pay the entire balance of the loan plus daily interest and late fees or have another title loan business pay the loan off or surrender my vehicle .Titlemax of Texas is charging me interest upon interest on a loan they know I ca n't pay back in 30 days due to the fact I am XXXX and on social security. This action is in violation of the TEXAS USERY LAW. Neverless to seek a resolution to this situation I unwillingly surrendered my pickup to Titlemax of Texas to relieve the burden of the phone calls requesting payment of the loan. When I surrendered my pickup to Titlemax they requested me to sign an agreement with them allowing them to dispose of my pickup without notiftying me of the date and time of the sale. I now have 14 days from XX/XX/XXXX to pay the loan balance plus daily interest, plus late fees plus the refinance fee and daily interest or they will proceed to dispose of my pickup without notifying me of the date and time of sale. PLEASE HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX when I first got this bill. I was charged an amount for collect calls that was different than advertised. On the phone my son called me collect from was a sticker that said {$1.00} for XXXX or XXXX mins? but ended up being {$23.00} per XXXX minutes. I would have never accepted a collect call at {$23.00} for XXXX mins. So XXXX said we would dispute it, immediately closed that account and opened me a new XXXX. Giving me my same # XXXX XXXX told me I would only be responsible for what I owed them ( XXXX ) for my regular phone service. Then I get contacted by collections for the whole amount. I tell them the agreement and a lady at Receivables Performance agrees to the terms also. Later I apply for a loan for a car and find that on the day of XXXX XXXX 2015 when I made an agreement with RP to pay what I owed XXXX XXXX XXXX ( minus the collect call charges ) @ {$25.00} a month they then put it on my credit report. I recall being told that by paying $ XXXX/mo. would not only get my bill paid, but would keep it from going on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020. Funds where taken out by XXXX XXXX XXXX in about of XXXX. Call wellsfago to stop charge and get a new card on XXXX XXXX XXXX was not authorized to make this payment.but did it any way..

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 2020-12-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo Bank Is not allowing me to have outside mitigation. I have requested it many times after there refund to me in XX/XX/2020 of XXXX which is not even close to the amount that they owe me. It is clear in the settlement they signed that if I am unhappy with there refund it is part of the program. They have been nothing but ruid and not candid from the day they started lying to me 14 years ago. This bank is no better today than the day that they stole my truck. I have filed complaints only to get the same letter or we need more time letter and it is not right. This bank is useless and really why did the OCC lift the cap on there max value when thousands of people are as mad as me about this CPI and then the fake accounts and mortgage fraud changing paperwork and loan papers lying at each turn. what is the current scam this month. 
The People of America dont need Wells fargo Causing us headaches,. It is time we cause them to go out of business.

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 2015-04-21
Company: Genesis Lending
State: AK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was enrolled at wyotech in XXXX Florida for school. I was told that I had no choice but toGet this loan from genesis lending for my XXXX academic year, I had to get this personal loan for {$5000.00} to be able to finish my school. The XXXX advisor never explained this when I started my first academic year, anyway I was also told that hey would find job placement as soon as I got out of school, and they did not do anything to help me, I have had financial hardship since I have been out of a school and could only find a job that pays me XXXX an hour. My loans are to high and genesis will not work with me and the interest is 12.9 % and each Month they charge me an additional XXXX late fee. Everything I was told has been false regarding the loans and interest, as well as the job market, there are no jobs that are paying XXXX to XXXX an hour! I have had extreme hardship trying to pay this debt to my fed loans as well as genesis. My genesis loan is still at XXXX 3 years and it only shows XXXX paid!

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 2016-08-11
Company: ACQ Holdings, LLC.
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I asked XXXX in XXXX XXXX KS. for a payday loan of {$100.00} they sent me {$400.00} then took out {$300.00} and charged me {$10.00} for taking it out. Then my bank got overcharges i had not the money to pay so i said i would take the other {$300.00} and they put in {$400.00}, and then {$530.00} and now i am told i owe {$900.00}. I sent an email stating i can not pay that. And now they want to offer me another loan to get out of this loan. I am so confused and i do not know what to do. It is to my savings account which i want to close but can not because i am being overdraft {$26.00} that i do n't even have because they keep sending it through. What are my options please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Progrexion Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I've never paid for a services from CreditRepair. Com. I've never even heard of them until they began calling at all hours from different phone number because I block every number they call from. Now they're calling me at XXXX at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already reached out to Experian and toXXXX CARD, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on 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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Did not follow the fair credit act

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 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!

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 2022-01-25
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2022 Called A1 collection agency at XXXXXXXX XXXX and stated that my credit card had notified me of a severe derogatory remark, a delinquency on my account for over 150 days. 
A1 representative told me that he saw I had paid, that my account was not delinquent, and that my balance was 140. He said the company would do nothing about this delinquency notice until I paid my balance in full. I stated this was a lie and that I had paid on this account, and he replied that again he could not do anything until I paid it off. 

Called credit agencies and disputed, balance is incorrect, and so is " delinquency ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: NRA Group, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2017-06-14
Company: BANK OF THE WEST
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I had a balance transfer check returned as I made it payable to myself "  XXXX   XXXX  '' and not a financial institution. No where on the offer did it state that the check had to be made payable to a financial institution. This was a promotional balance tranfer check.

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 2015-10-19
Company: Empowerment Ventures, LLC
State: IN
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I have a Rush Card & I have been unable to manage or access my funds for over a week. I am going to be possibly be evicted & have my electricity turned off because of their " system issues ''. I just want access to my money, I work hard & not being able to access my paycheck is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In the XXXX, Discover nearly quintupled my monthly payment from {$120.00} per month to {$580.00}. I have explained to them countless times that I am unable to afford that type of payment per month. I have informed them that I am very willing to meet somewhere in the middle. In return, Discover has done the following : - Discover allowed me to go back on the graduated repayment plan in XXXX of XXXX, but again quintupled the monthly payment despite my countless testimonies that I was unable to afford what they demanded was the required monthly amount, even after I provided income verification, a fair monthly payment range that was almost three times more per month than the graduated repayment plan amount, stating they were n't able to do so, without any explanation why, at any time. 

- Discover has refused any type of loan modification in any capacity. 

- Discover has told me for three years now that they will be introducing new types of repayment plans that would allow me a lower monthly payment, they have not done so at any time. 
- Discover has put me on what is known as the " Payment Extension Program '' several times, which, over the phone, forces me to sign up for automatic payments on a three month basis, only broken down on a per loan basis, which still does not provide any type of loan modification that leads to a monthly payment reduction, causing me to fall further behind on my payments despite repeated attempts by me explaining that I can not afford the monthly payment they are refusing to negotiate on. 

- The outright lies by Discover, especially on their recorded phone conversations about new repayment programs that have never come to fruition, and how the " Payment Extension Program '' will supposedly make my account current, has in turn caused my credit score to suffer severely, and I am concerned that I will never be able to repair it due to the damage Discover Student Loans and their unwillingness to modify the loan repayment terms on a monthly basis to a fair amount that I have expressed to them countless times that I am willing to meet in the middle on will only cause further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CAC Financial Corp
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the account listed below. The collection agency sent me a generated bill as debt validation.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), the collection agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

You have not provided me a copy of a contract with my wet original signature to validate I owe the debt. 

Please remove these negative unverified accounts from my credit file. 
CAC FINANCIAL CORP XXXX No contract, contract canceled. Unverified Account CAC FINANCIAL CORP XXXX No contract, contract canceled. Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Lewis, McDonnell & Associates
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: Old information reappears or never goes away

Complaint:
This account is 7 years old and now the debt collection company has bought it and reporting as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: DISCOVER BANK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVERBANK XXXX-XX/XX/XXXX, XXXX- XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Target on XX/XX/XXXX and was told if I made a payment of {$170.00} to bring my account current the 2 late fees totaling {$76.00} acceded on my account would be removed. 

I was on a payment plan to bring my account current and was told that I would no longer need be on the payment plan and the fees would be removed. I was also told my next payment would not be until XXXX as I would be back on a normal cycle since I brought my account current.. 

first fee was added to account on XX/XX/XXXX- {$38.00} second fee was added to account on XX/XX/XXXX- {$38.00} I asked the representative multiple times if the fees would be removed and he said yes. 

I received my target credit card statement on XX/XX/XXXX and I noticed the payment of {$170.00} was applied but the 2 fees where not removed.

I called Target on XX/XX/XXXX and had to call in multiple times because the representatives would hang up on me. I finally spoke with a supervisor and was told the original call recording from XX/XX/XXXX would be pulled to see what i was promised and I would receive a callback in 48 hrs. 

I did not receive a call back so I called target credit card company on XX/XX/XXXX and spoke with a different supervisor was told the representative on XX/XX/XXXX did tell me the 2 fees would be removed.

on XX/XX/XXXX I was told the fees would not be adjusted. I asked for a manager above the supervisor and was told no/ I was told it did not matter what the representative said on XX/XX/XXXX and the fees would not be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
i have multiple inquiries not unauthorized by myself XXXX XXXX on XXXX and XXXX i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically

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 2020-08-05
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation