BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD enrolled me into their discretionary overdraft program without my consent and then displayed my transactions online/in their app in a different order then they are posted making it impossible for me to keep track of. 

XXXX XXXX XX/XX/20 XXXX, I was charged {$170.00} in fees, but my balance was only - {$170.00}. If my balance was displayed properly I could have avoided the issue. Also, TD posted the transactions in a way that benefited them and my balance should be {$2.00}, not XXXX XXXX. 

I attempted to resolve the matter over the phone, but they were only willing to credit a portion of the egregious fees that I did not consent to incur. They were also unable/unwilling to provide me proof that I actually signed a contract with them agreeing to said fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XX/XX/2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and Transunion are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.

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 2022-04-03
Company: Paradigm Assets, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt collector JHPDE FINANCE I , LLC, keep saying I need to pay a debt that I don't own any money or open an account with this company, they do not have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just reviewed my scores on   XXXX   XXXX   and I was shocked to see all the stuff thy posted as debt. I never received any mails on this but harassing phone calls everyday which I am scared to answer.    XXXX   XXXX  not my account never have them  XXXX   XXXX  which I have  XXXX   XXXX   XXXX  bundle for a long time have all bills from them Hospital bills I have a good insurance and do n't know why additional charge with no letter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: KS
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 contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, Equifax ( who runs private servers on the open internet with admin and password123 leaving millions of Americans private information exposed including my own ) and XXXX  are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian  Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
Went in for their XXXX special on XXXX  XXXX XXXX. After speaking to the sales team, We decided to do a few trades which was recommended based on my needs. Since the XXXX is a XXXX  and truck, I no longer needed my XXXX or XXXX truck. The dealer 's sales team agreed to take both of my cars as trade. They asked for my information and information regarding every car. I myself also checked and it was agreed as them paying off my truck at what was owed and my XXXX  which had a balance of XXXX. Everything was done in writing and I agreed with their terms. I signed my paper work and left the dealer with my new vehicle. Two weeks later they demanded over {$4000.00} as they wrote a different about for my payoff. A traditional yo yo financing scam which I later found out. After being upset for a few days, I wrote a bad XXXX  review and they agreed to stand behind their dealer after they found out that I had contacted XXXX and had Prof that the payoff amount was given to them on the XX/XX/XXXX and I also had it in writing from the sales team. This was very unethical business practice and I know many have been ripped off my the dealer ship and the manager in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Property is upside down. origanal loan {$140000.00} ( 2008 ) payments made for 10 years ( $ XXXX/mo ) currently owe {$140000.00}, property valued at - {$70000.00} ( trying to return property to mortgage holder ( deed in lieu ) ( no second ) property located in national forest federal land. ( cabin ). No cooperation from mortgage holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: AR Solutions Inc
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ar/solutions keeps doing this to me they take out more than they should.they take out 25 % of my pay.i keep telling the courts and ar solutions attorneys. the courts know that I am head of family and the only can take out 15 % of my pay.i need something done with this.they do n't like me reporting them so the do this to me and my family.thank you  XXXX   XXXX ,  ne.this is the ph one number to ar solutions  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: NRA Group, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/22, I noticed my credit score dropped significantly. I signed into my credit report and noticed a derogatory account had been reported. I am unaware of any outstanding debts that I owe and the report had very little information other than an amount owed ( around {$350.00} ) and a XXXX # so I called the XXXX number listed on the account, it directed me to a company called National Recovery Agency. XXXX. There was an automative service designed to collect the payment owed but I asked to speak to an agent. The first agent hung up on me after I said I have no idea what this debt is and no record or mail pertaining to this debt and having that information is what the proper and lawful procedure is for collecting debt. I called back and the second agent would not give me any information, said something about a lawyer and hung up on me. Both agents were extremely rude and unprofessional. I still have no idea what this debt is and they refuse to tell me all while demanding I pay it and hurting my credit score. I have reason to believe this company is not operating in good faith and is possibly operating illegally. I am not just concerned for myself but for others. I read the many complaints on the XXXX and its all very similar w/o any resolution. I reported this to XXXX, and have filed a complaint with the XXXX I have no way to reslove this with the company b/c the company refuses to even tell me what this debt is. And yes they did harass me with phone calls and texts prior but I didnt answer the voicemails or texts assuming it was an obvious scam since I am completely unaware of any outstanding debt owed nor has any record of it been mailed to me so I figured it was an attempt to collect information from me. I would block the # and they would call from different phone # which lead me to believe they are definitely scammers. 
Please investigate National Recovery Agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After graduating from XXXX in 2013, I refinanced my loan with Nelnet. In XXXX of 2013, I called Nelnet and they gave me an incorrect payoff amount for one of my loans. I subsequently payed off the loans on XX/XX/2013. 5 years later, i discovered that I had a {$110.00} balance on my loan ( ~ {$50.00} of principal and the remainder interest that accumulated over he 5 years ), which Nelnet said was 180 days past due. I only discovered this balance when I found it on my credit report.

When I called to resolve, they said that paying off the loan deferred the payment for 5 years, and that they attempted to contact me about it even though they had the incorrect email address on file.

I have paid off the loan in full now, but I want the late payment taken off my credit report since they gave me the incorrect payoff amount on the loan and subsequent emails said my payment was {$0.00} for 5 years. Could you please help me to resolve?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX XXXX sent me a letter stating that they could not accept the loan terms offered by the car dealership where I bought my vehicle at, but would be willing to accept a counter offer instead. However, I have already signed the paperwork, and put a down payment on XXXX XXXX 2017. I also signed the agreement for which the amount due per month was agreed upon. Ally can not change the terms now that they have been signed and whereas I have been driving the vehicle for over a month now.

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 2023-04-10
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: JPMORGAN CHASE & CO.
State: MS
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 XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. jpmcb auto finance XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District CourXXXX, XXXX District of California, ... 

[ Message clipped ] View entire message

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving daily phone calls from fake phone numbers in  XXXX  of this year. I finally answered one and waited for the call to connect. After connecting the representative on the phone stated they were from a debt collection agency and asked me for my credit card number to pay a medical debt of {$50.00}. I have never received a bill. I told them I would not give them my card #, but if they sent me the bill I would review the claim. About 2 months later (  XXXX  ), I received a written notification from a company called " Credit Collection Services '' stating that the date of service was from  XXXX / XXXX / 2015  from  XXXX   XXXX . I reviewed all of my medical files and have no history of medical tests being done on this date. I responded with a letter to Credit Collection Services the next day stating that I was disputing the claim and requested they provide a copy of the original invoice with explanation of how they tried to bill. On  XXXX  I received another notice from Credit Collection Services stating that the past due account remains unpaid. They have not responded to my dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: LEXISNEXIS
State: IL
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 submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response except a confusing statement about not being able to identify me. I sent the same request many others have sent and got responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not have unpaid debts. I continue to receive calls from First Point Debt Collection stating they are a debt collector that needs to get in touch with me. The phone number I receive calls from is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: DISCOVER BANK
State: MS
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 XXXXXXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with Discover Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership XXXX lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX XXXX XXXX, the plaintiff ... XXXX XXXX al, XXXX XXXX XXXX, Northern District of California, ... 

XXXX XXXX clipped XXXX XXXX entire message

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted this company on  XXXX   XXXX  about a couple of negative items I found on my credit report and came to found out that they are medical bills from ER visits and informed me that I have no knowledge of these since I already have insurance and these ERs are not close by or in network of my insurance and requested to see copies of what they have. I got hang up on and disputed that with the credit bureaus.   This company is committing fraud and very unprofessional, I received finally this month a copy from  XXXX  of what looks like a made up bill with no info on it.  Paramount Recovery System should do better at protecting consumers and investigate when identity theft is in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2022 1st financial has since then harassed me almost everyday and continue to harass. This account is involved in an lawsuit but yet I'm still getting phonecalls emails text messages mail letters. Under law the credit bureau has to correct and inaccurate information. The company have not yet verified my information but it's still 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