BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The harassing phone calls began, after I took my payment scheudule off of the automatic debit, from my checking account. I still make my payments, in the same fashion, however, I am two weeks behind. 

One Main Financial, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has continuously called my cell phone, up to 6 or 7 times a day. They have also called my place of business. 

I believe the phone calls are intended to pressure, intimidate, annoy and stress me into getting back on the automatic account debit. 

I have made my payments on time through this method, for over 3 years. 

I refuse to pick up the phone, and continue to make my payments on-line during the month that it is due. 
This is a predatory lending institution that preys on those that are in financial binds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Mercedes Benz Financial Services
State: NY
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:
I did not authorize this company to pull my credit report they have pulled my XXXX and XXXX report i have tried to get this dealt with but they have not been helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It is my third complaint on Navient. Navient has been calling me and emailing me, begging me to talk to them. I didn't want to talk to them because anytime I speak to them, it's always my one after another 's worst experience. They were recently begging in an email, leaving threatening voice mails on my phone, and contacting anyone they think are my relatives, including anyone related to my cosigner. On Tuesday, XX/XX/XXXX, they sent me an email that said they got some excellent offers to settle the loan and release my cosigner. After I finally contact them, I got a chance to speak to this lady name Ms. XXXX. 
Ms. XXXX has also been leaving threatening voice mails on my phone, my cosigner phone, and anyone they think related to me or my cosigner for two weeks. Notice me or my cosigner never gave them anyone 's number for references. I think they buy people 's information illegally online and then start calling them. So, when I finally talk to Ms. XXXX, there was no reasonable offer. 
The email was a trick to get me on the phone with them. When I refused the unrealistic offer, they made for settlement. She started screaming and yelling on the phone and keep telling me that there will be consequences and they will take my house ( which I don't have ), they will garnish my wages ( which I don't have ). After I told her I was done with her, and I was hanging off, she said, " Okay, wait, talk to my supervisor. A guy came on the phone who was probably the biggest XXXX that I have ever spoken to on the phone in my whole life. He wasted my time for 20 minutes, asking me all kinds of questions, and then started harassing me. He started telling me he will garnish mine and my cosigner wages and take our houses, which none of us has. Navient needs to stop this kind of unrealistic harassment. I am taking XXXX  and XXXX medication because of the threats they have been making on my phone, my cosigner phone, and anyone we know whose information they buy online. I have XXXX XXXX because of them. I want to put this on the record that if I end up in a XXXX  XXXX  or XXXX  XXXX, it will be because of Navient. Today, XX/XX/XXXX XXXX, I got a threatening voicemail from Ms. XXXX on my phone again even though I talked to them yesterday. If they didn't stop and if I didn't end up in a mental hospital or didn't commit suicide because of them. I will be filing a lawsuit against them for defamation, psychological torture, harassment, violation of my privacy, and violating the fair debt collection act. It is almost becoming a joke that the CFPB lets Navient get away with this many illegal activities. I have always mentioned to them that I am recording the conversation and have all the conversations recorded. I will love to see them in court. The number of illegal activities they have done ; in my case, Navient representatives should be in jail for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
I have been a customer of DINERS CLUB for the past 20 years. During all past 20 years Diners club never submitted data to credit reporting agencies. In XXXX XXXX, Diners Club sent me a note stating that they start submitting data to reporting agencies. The letter did not inform me that the card will submit data in the past 2 years. Unfortunately, Diners Club decided to submit data for the past 2 years. Giving the fact that I have been a customer for twenty years during which the card never reported data, it is reasonable to assume that the data being reported should only include data from the time they informed me they will start reporting, not data in the past. For example, had I known that Diners club will report data in the past, I would have cancelled my membership. Or would not have made use of the extension they have for their clients to pay after 60 days instead of 30 days. 
This is not acceptable. The card never disclosed in their terms and condition when I signed up for a card in XXXX that they will report data to credit Bureau. The card should only report data from the time it informed its customers of its intent to report data and moving forward, not to go back 2 years. 
I am asking you to take actions that compile BMO HARRIS DINERS CLUB to only report data from the time they updated its client of their intention to report to credit agencies.

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 2021-04-22
Company: TD BANK US HOLDING COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a TD card services customer. My card was charged without my authorization four times in XXXX and XXXX of 2020 for {$89.00}, {$89.00}, {$89.00} and {$89.00} for the total of {$350.00}. Two packages were delivered to my mailbox, two bottles in each. 
I previously ordered another item for {$6.00} from that merchant on XXXX/XXXX/20. I never got that item, instead those four tiny bottles for about {$90.00} each were delivered. That is some price that I can not afford, that is why I could not have possibly ordered those products. I mailed all four bottles intact to the merchant on XXXX/XXXX/20, since I never had ordered them in the first place. I disputed those charges. I also provided the postal receipt showing that the items were returned to the merchant. I was so upset, that decided to close the account on XXXX/XXXX/20. 
TD card services were investigating the matter for more than a month and notified me in a letter dated XX/XX/XXXX20 that they do not believe a billing error has occurred. I, on the other hand, know as a fact, that l did not order these four bottles. 
My Case Number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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 CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 'S. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-07-08
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I attempted to send a payment via Venmo as I have done many times over the last several years without issue. This time my payment did not go through and I was given a message that my account was frozen. I emailed customer support immediately and waited for over an hour on the live chat only to be told the case would be transferred to a different department. I emailed several more times after that over the course of the next week and received a repeated response each time that it was received and will be processed. I have funds in the account that I am unable to retrieve and I have not been successful in reaching anyone at Venmo to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My loans ( XXXX & XXXX ) were originally with XXXX XXXX XXXX XXXX XXXX until they went under and were sold to Franklin Credit Management Corporation who is the servicer for XXXX XXXX, XXXX. I fell behind on my payments on my second mortgage and applied for a loan modification and sent in my documents. I received notification from XXXX XXXX XXXX that I was going into foreclosure and the Trustee was The XXXX Firm. After researching I located the Substitution of Trustee which was dated XXXX/XXXX/2015, however, this document was not recorded until XXXX XXXX, 2015, Three months later, additionally, there was no evidence that notice of the substitution was sent to me as required by law. The Notice of Default stated as of XXXX/XXXX/2015 I owed {$75000.00}, the Notice of Default was recorded on XXXX/XXXX/2015. I am questioning the validity of the Notice of Default, also, who was my previous trustee prior to the XXXX Firm, since the loan was transferred a couple of times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I was accepted into XXXX University XXXX XXXX XXXX XXXX program in XX/XX/XXXX. I successfully completed the program, however decided not to attend and instead apply to XXXX. I chose this route after learning that the facts that XXXX promoted about their graduates obtaining American XXXX were not true, and I did not want to jeopardize my future career. In order to pay for my tuition I had to take out a private loan. I applied for a XXXX XXXX XXXX loan which I was approved for, however when I informed the registrar department about my loan servicer, they encouraged me to instead take out a loan with XXXX student loans. They informed me that they had a very good relationship with this loan provider and how they disperse funds very expedient. They also told me that if my XXXX loan does not get dispersed before the end of the week, they will drop me from my classes. Out of fear of losing my spot in the program I did apply for the XXXX loan. XXXX filed for bankruptcy and I received no paperwork about my loans for years ; not until I graduated from XXXX school in XX/XX/XXXX I received correspondence. At that point my student loan had doubled in amount due to the high interest rates. However, this loan has exponentially increased compared to my other student loans. I feel like i was coerced by the registrar department at XXXX to take out this loan which is now 3x the amount. If I had gone with my original loan servicer, my balance would not be as high. I am still in XXXX and my loans are in deferment for atleast another 2 years. From investigating I have also learnt that XXXX now offers a money back guarantee for their XXXX program. I was looking for some guidance on what to do in a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX and I am personally submitting this dispute. Please see attachments which will explain my complaint and verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called XXXX XXXX XXXX, as i received a court notice in the mail. As soon as i notice the court notice i reached out immediately. When i called i spoke with a XXXX She said this was from XXXX and XXXX This was the first time i was notified of any debt with there office. she gave me XXXX options to either pay XXXX XXXX and something in XXXX payments or have my day in court. I wasn't even given the payment arrangement option so i asked her if that was an option and was told yes, what can you do I explained i can pay {$50.00} a month until i looked into why my insurance never covered my visits. XXXX refuse to take my payment arrangement because it would take a year to pay off and told me to call her back later or come to court and deal with the court. She refused to take my payment arrangement. I asked for the office manager XXXX times and after the XXXX time she told me she was the office manager and still refused to help me. ( XXXX stated the call was recorded so i am sure they can verify my statement above through the recording ) XXXX  was extremely unprofessional and rude and told me she didn't have time to argue with me at XXXX ; XXXX in the morning on XXXX ( XX/XX/XXXX ). i wasnt arguing anything but trying to explain to her thats what i can afford a month and she refused payment and to help me. she told me to speak with attorny at a later time or call back in the afternoon. Again she refused the payment arrangement. It was such an unprofessional conversation on her part. Again I have had ZERO communication from them. I had to XXXX the name i received when i called the court to find out why i had a letter from them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was a victim of identity theft and as a result of this, all of my information and credit cards were compromised. I tried to reach out to XXXX several times over the years requesting documentation regarding these charges due to fraud and received no assistance other than being advised that the account has been sold. I reached out to the collection agency know as XXXX XXXX XXXX ; XXXX XXXX and was advised to provide documentation to them regarding the Fraud, Identity Theft and as a result, they have removed the accounts from my credit report due to fraud. I would like for XXXX to remove the accounts from my credit report as well. account numbers are XXXX and XXXX Your assistance in this matter is greatly appreciated. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Nelnet XXXX XXXX XXXX has misreported my student loan debt, I have hired XXXX XXXX to resolve, 13 items have been removed and 50 more remain, making it impossible for me to obtain housing. I am a XXXX, single parent veteran, XXXX, due to the incorrect reporting of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: ENCORE CAPITAL GROUP 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 was paid

Complaint:
I financed a computer through XXXX XXXX and eventually was late on multiple payments. After a final notice, XXXX warned me that my debt was going to go to collections. I then went online and paid off my debt to them, fearing my debt would go to a debt collection company. Some how, Midland Funding still acquired my debt and insisted I pay it. I told them that I had already paid the account off with XXXX and that they needed to verify their information with XXXX, but they obviously never did. I proceeded to get calls from them for the next 2 years over this issue, but I eventually began ignoring the calls. In XXXX 2016, I was sued for the amount of the debt by Midland Funding. I acquired proof from XXXX XXXX so that I can prove that I did pay it off, but I am worried about how this will look on my, already hurting, credit score. I honestly do not know exactly what to do in this situation, but I do not feel that I was treated fairly. I paid off a debt that I had owed, but yet I still have to go through the time and effort of proving I paid it to Midland Funding. Do the debt collection companies not have to verify they have a right to the debts before they sue people for them? And do they have the right to continually harass people for money that they are not even sure is owed to them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARS collection agency, has been notified by XXXX XXXXXXXX that the charges {$160.00} on XXXX occasions were processed and paid through XXXX. XXXX continues to try and collect and refuses to remove debt from credit report after letter of eligibility has been sent numerous times and told can not collect on debt that is unlawfully.

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 2016-12-16
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
MOHLEA customer service told me to contact a company to have them enroll me in public sector student loan forgiveness program. They referred me to a company called XXXX XXXX XXXX which charged me over {$700.00} an d did not change anything but put me on a income based payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I contacted Ford Motor Credit Company to explain my financial hardship with making loan payments. I work in the auto industry and due to issues with filing for unemployment and due to chip shortage, I was having difficulty meeting financial commitments. The Ford Motor Credit representative told me they could give me XXXX months to get back on my feet and would move those XXXX payments ( XXXX, XXXX, XXXX ) to the end of my loan period. So, my next payment should have been due XX/XX/XXXX. 
Thankfully, my employer had just paid out profit sharing on Friday, XX/XX/XXXX so I would be able to get current. 

Unfortunately, I discovered my car had been repossessed the morning of Sunday, XX/XX/XXXX Contrary to my agreement with Ford Motor Credit. I contacted the agency today, XX/XX/XXXX, and was told I would have to pay the {$320.00} towing fee and another fee of {$310.00} for something else as well as bring my loan current to get my car back. 

Ford Motor Credit representative lied to me and when I tried explaining that to the representative I spoke with today, I was told that I was wrong about my conversation in XXXX ( which I disagree with ) and I have no choice but to pay the extra fees in order to get my car back, that they shouldn't have taken in the first place. Since they have possession of my car and I can't get to work without my car, I have no recourse but to pay money I don't feel I owe. Companies shouldn't be able to lie to people in the first place and then charge them XXXX fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The irs notified me that i would be getting a refund check on XX/XX/XXXX i called andverify with the XXXX tha the funds have been sent byt the XXXX to the bank we verified everything was correct the back is saying they never recieved the funds. keep getting people just repeatng that it take up to XXXX hours to post the funds but the deposit date was XX/XX/XXXX it is now XX/XX/XXXX. please help

Company response to consumer: Closed with explanation