BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: Other

Complaint:
I had a credit card account with TD Bank / Target. The account was included and discharged in chapter XXXX bankruptcy. This account is showing a status of " CHARGED OFF ''. I disputed with the credit bureaus and the account came back as verified. I sent a certified letter to the creditor XXXX months ago and have not received a response. I then once again disputed the account with the credit bureaus and once again it came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: AA Recovery Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received XXXX calls from XXXX in regard to a debt that I do not own them. They also called my ex-wife and sent her a text message and sent her a text message with the last XXXX of my social security number and my vehicle make and model and license plate number and threatened a judgment against me and garnishment and sent a text message to my mother after I told them to cease and desist. I have sent them emails to cease and desist. This company They have contacted family members, and I request them to cease and desist from doing so. I've received multiple calls per day which is also illegal per the FDCPA that reads " it prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I have received no documentation of any debt owed to them. They are clearly violating my rights as a consumer and violating the FDCPA and the FCRA. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regard to current consumer protection laws. Please note that I am not concerned with the verification of this debt. Send me the VALIDATION at once. In your validation response., provide me with the following : 1 A description of what the money you are alleging I owe you is for. 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 3. An explanation of who the original creditor is and when this account was the last paid to the original creditor and an originating document with a wet signature 4. Send me prof that the statute of limitations on the account has not expired. 5. Include your license number ( all of them ). and your registered agent 's information. Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempts to contact me regarding this account other than to notify me of your error by regular postal mail. If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Bankruptcy

Complaint:
In XXXX 2015, I faced a Chapter XXXX bankruptcy after years of financial hardships due to unemployment. My TDRCS/Rooms to Go account was a part of the bankruptcy to be reaffirmed at the principal balance of {$300.00} after removing several late payment fees. The account was paid in full, as agreed, in XXXX 2015. However, after over 6 months of repeated correction requests, TDRCS/XXXX continues to report inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act. First, they reported the account was included in the Chapter XXXX and not reaffirmed. Now, they report the account as paid but with a negative payment history from XXXX 2015 to XXXX 2015. The account was no longer past due after the XXXX 2015 bankruptcy filing, was reaffirmed, and paid in full as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Since l file various complaints against Prestige Financial services in XXXX Utah in regards of my car loan account # XXXX l have not received any official lower affordable monthly payments under {$400.00}. 
The interest rate on my car loan is still 17 % and balance as of {$20000.00} since l purchased vehicle XX/XX/XXXX XXXX with XXXX miles. 
Balance keeps increasing over {$20000.00}. 
I have requested a payment at around {$350.00}, because l can not afford to make payments of $ XXXX payed a {$440.00} on XX/XX/XXXX so l do n't get my car repossessed and have negatives on my credit report with Experian.Equifax.Transunion. 
Prestige Financial services rep reduce my monthly payments to {$440.00} @ month, but payments is unaffordable. 
If Prestige Financial services does n't want to lower my monthly payments, they can take back the car and do n't have no negatives or debts on my credit report or record. 
I ca n't refinance the loan with another lender, because of Bankruptcy chapter XXXX, but Prestige Financial services can refinance and lower car payments to {$350.00} Prestige Financial services in XXXX.Utah reps knew about my Permanent XXXX lifetime and retired status. 
Prestige Financial services contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a XXXX saturn vue for {$7500.00} from XXXX XXXX in XXXX. By the time I am finished paying for it .it will cost me {$23000.00} The warranty that came with the card XXXX year XXXX mile was not accepted by any dealership for repairs. TD auto finance has given me so much grief, like telling me I have a XXXX day grace period to make my payment and yet they still charge a late fee. Now the car has a blown head gasket and no one will repair it. They all want to put in a new engine at the cost of {$7000.00} and I can at afford to do that and I still owe about {$5000.00} on the car. I am at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
on or about XX/XX/2014 I borrowed {$800.00} from a tilebucks own my car title.I made all payments on time..Upon adding all payments made to titlebucks, it came to a totlal of over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Great Lakes student loan 's does n't provide info and I ca n't access their web site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: UNITED COMMUNITY BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged a {$72.00} overdraft fee on XX/XX/22 by United Community Bank as soon as my {$500.00} deposit was made pending to my account. I have no idea why or what transaction caused it, and based on my review of my account it looks like it caused my posted balance to become - {$20.00}. 

This {$72.00} sounds exactly like what CFPB stated was illegal with their recently issued policy guidance. It is certainly predatory and usury. Amusingly, the circular describes these outrageously high surprise fees as being " as high as {$36.00} '', when this one is DOUBLE.

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 monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: TX
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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND EXPERIAN. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, EXPERIAN, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, EXPERIAN, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE. THIS IS THE THIRD TIME I'VE SUBMITTED A COMPLAINT, AND THE REPONSE I GET IS " YOU CAN NOT LOCATE MY CREDIT REPORT! '' THIS IS CLEARLY NEGLIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: ERC
State: FL
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:
Enhanced Recovery Company, LLCFind a LocationPhone : ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXXXXXXXXXX : //www.erccollections.comFax ( XXXX ) XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Enhanced Recovery Company , LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account No : XXXX and Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-03-07
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I had water damage. I filed a claim with my insurance company who issued a check to me and my mortgage company XXXX. I completed the required paperwork, endorsed the check and sent to XXXX. They promptly issued a check back to me. A couple weeks later i received another check from the insurance company. I filled out the paperwork, endorsed the check and forwarded to XXXX. The day before ( XX/XX/XXXX ) they were to issue the check {$2800.00} to me, my mortgage was sold to PHH # XXXX. I have made no less than 8 calls to PHH requesting that they issue to a check to me and they keep saying " we are waiting for corporate to decide when to release the funds ''. I have provided PHH with the document from the Insurance company regarding the Repair Estimate, completed and provided PHH 's Loss Draft documentation via fax, uploading into their website and US mail. I CAN NOT complete work on my home until these funds are received. I feel as if my money is being held hostage. I 'm living in a home that is in disarray as I can not complete the work without the funds. There is absolutely no reason why these funds should not be released to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: ERC
State: AZ
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:
they called my husband and said I owed them for a cell phone bill. We paid it six years ago ( 6 ), a XXXX internet card. We also sent them a dispute letter via XXXX signed receipt. Thy reported it to the credit bureaus XXXX 2015. I called them and told them I disputed this and no communication has been received by me. I have requested a deletion of this account # XXXX, Enhanced recovery corporation XXXX FL XXXX ( XXXX ) XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NY
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 previously submitted a report # XXXX. The complaint was that they have not updated my income. They are using {$2200.00} per month to calculate my loan to income. The correct amoiunt is {$3700.00} per month as submitted in the previous complaint. 

They responded with a completeely irelevant item that had nothing to do with the income. 

I responded to your email stating the above but never received acknowledgement. I don't know why. Thus I am submitting the dispute again. Please make sure they respond to the income problem and not some irrelevent item. Please see a copy from my checking account below. Note the SS deposits of {$1700.00} and {$2400.00} for a total of {$3700.00}. 

XX/XX/2022 Electronic Deposit XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} {$8300.00} XX/XX/2022 Electronic XXXX XXXX XXXX/ XXXX - XXXX XXXX {$2400.00} {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Allied International Credit Corp., (US)
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX continues to hire collection agencies to hound me for a bill that I have already paid. I have sent proof of these paid bills to XXXX but they refuse to accept it. 
I explained to the XXXX XXXX collection agencies, from 2012, what was happening and I have n't heard any more from them. The XXXX Collection agency sent me a letter last week asking for payment. 
I would like to settle this so that they hounding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: ZIONS BANCORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have observed Amergy Bank manipulation of my checking account to generate unearned over limit fees for the second time this year.Earlier this year while @ XXXX XXXX XXXX I observed Amergy try to cheat me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX account # 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 non-monetary relief
Consumer complaint received 2016-12-10
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted PHH Mortgage on XXXX to cancel my FlexPay agreement as I was refinancing my loan, which was scheduled to close XX/XX/XXXX. On XX/XX/2016 PHH processed my XX/XX/XXXX FlexPay Payment anyway, which not only put my account in jeopardy of being overdrawn and required me to take out a payday loan, but when I called to dispute the charge, I was told that they had no record of me rescinding my FlexPay ( but yet, they somehow knew about the upcoming refinance ) and said they could not refund my money without a letter requesting reimbursement and a copy of my bank statement showing the payment had cleared my bank, and then it would take up to 10 days to " process '' a check. They refused to electronically credit my account even though they electronically debited my account, and they were reluctant to overnight a refund but agreed they would upon receipt of my request for reimbursement. I sent my letter and bank statement to the fax number PHH provided to me on XX/XX/2016. I attempted to call and check on the status of my fax on XX/XX/2016 and was disconnected and then conveniently when I attempted to call again I was placed on eternal hold and then received a recording telling me they were now closed. Today, I emailed PHH demanding status and action, as they continue to be unresponsive, but have no confidence despite my growing frustration and demands, that they will attempt to correct their mistake with any sense of urgency. My refinance has since closed and the original loan has been paid in full as of XX/XX/2016, which means, in addition to the unauthorized debit to my account on XX/XX/2016, there is now an over-payment on my account that PHH has not processed. As a last resort, I have filed a dispute with my bank, and am filing this complaint in an effort to get some action or response from PHH so that my account and the extreme financial hardship and burden this deduction has placed on me and my family, can be promptly resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: ERC
State: FL
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:
A collection under my name is reflecting my credit report bureua, impacting my report negatively. 
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. 
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. 
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. 
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. 
This collection is really affecting my chances to buy a property, and i will appreciate your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX my credit card was stolen at a concert. The thief racked up {$990.00} dollars worth of fraudulent charges which my bank is refusing to refund me. After completing their " investigation '' USAA has determined that I am liable for those fraudulent charges. I would like a full refund please and thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation