BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
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 attended XXXX for my XXXX, XXXX degree and completed back in 2013. The cost of this degree was over XXXX. I exhausted my federal student loan monies and to complete my degree had to sign a private loan through XXXX which is managed through XXXX ECSI. My monthly payment has gone up to {$320.00} dollars monthly, which does not include my other private loan through XXXX XXXX and my federal loans that are currently being repaid. I have continued to ask for assistance bringing my monthly payments down so I do not default on this particular loan and will get assistance for XXXX months but after that it goes back up to the original amount of {$320.00} per month. I can not afford this kind of money on just XXXX loan and need assistance finding a way to get this monthly payment down. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.

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 2017-02-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed information on my credit report that was out of date and inaccurate. Bankruptcy and a student loan. After speaking with the Student loan department they told that the account was closed and taking over by another company which i knew already because i had sent the form in to Equifax dispute department to remove the old account of the student loan. Some guy got on the phone and read of some account number that didnt belong to me and refused to delete the items from my credit report. The bk is 7 yrs old and was filed under a lawyer who banned from practice and the put the filing void status. They where very unprofessional and did not follow the law of dispute. I specifically asked them to tsend me proof of the results of my disputes and they felled to do and does not want to delete inaccurate information on my credit report. This matter has put alot of stress on my and as im trying to finance a home. And to have a credit bureau of such handling your credit file is heart breaking. The creditors have asked Equifax to remove the items and they will not do it. For the XXXX. I need some reinforcement to make them do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Receivables Performance Management, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a letter dated XXXX XXXX, 2015 on XXXX XXXX, 2015, from a company claiming that they purchased a debt from another company. I sent a letter asking for debt validation and requesting that they cease all communications until validation is provided. The company received the letter on XXXX XXXX, 2015. The company continues to call multiple times a day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
fix the late, please

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 2015-08-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing to dispute the account XXXX XXXX referenced above that is currently reporting on my Experian credit report. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated they were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself several times and have been unable to get them to verify that this is indeed my debt. 
I have previously enclosed copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this alleged debt to the collection company XXXX XXXX that is listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove this item. There is a clear case of unverified debt here, and I urge Experian to remove this alleged item before I am forced to take legal action. 
Experian is also continuing to report inaccurate personal information in regards to my name, address. 
I have never lived at the address that is currently being listed on my credit report the address is as follows:XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXXADDRESS IDENTIFICATION NUMBER : XXXX VERIFY AND REMOVE THESE INACCURATE ADDRESS INFORMATION FROM MY EXPERIAN CREDIT REPORT AS SOON AS POSSIBLE, MY ADDRESS SHOULD ONLY BE REPORTING AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IDENTIFICATION NUMBER XXXX IS REFLECTING. 

I HAVE NEVER USED THESE NAMES WHICH IS AS FOLLOWS : XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX XXXXNAME IDENTIFICATION NUMBER:XXXX XXXXNAME IDENTIFICATION NUMBER : XXXX NAME SHOULD ONLY BE REFLECTING AS FOLLOWS : XXXX XXXXORXXXX XXXX XXXXPLEASE REMOVE THESE OTHER ERRENOUS INACCURATE NAMES FROM MY EXPERIAN CREDIT REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Around XXXX we consolidated our loans and paid off a loan to Chrysler financial for an automotive loan. In XX/XX/XXXX we applied for a lost title at our local town office in Tennessee. At this time it was made known to us that TD Financial XXXX XXXX XXXX XXXX XXXX lien on our title. I was directed to TD financial XXXX XXXX, then to My title Support XXXX, and back to TD financial to find that there is a " balance due of {$85.00} '' for " charges and fees ''. I have NEVER received any notifications from XXXX, TD Auto Finance or any other representative in the TEN to TWELVE YEARS since that loan was paid off. TD Auto Finance is located in XXXX Maine and I have never transacted business with them. I requested a supervisor call me to discuss the " balance due '' on XXXX/XXXX/15, and 1 week has passed with no response despite the XXXX calls I have placed to their " customer service department '' I find it very concerning and unethical that a corporation can quietly hold a " balance due '' for more than 10 years and then demand a consumer pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complain because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed.please resolve this manner as soon as possible. thank you Note : the attached document part of my credit report that i have revived from Experian and it has multiple errors in my personal info that i have disputed but they kept it on my file

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 2015-11-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hi, TD BANK fraudulently overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, they tape recorded my conversations with them without informing me of that in the beginning of conversation which is against the law. Second, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday night processing so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled {$40.00}. This is excessive behavior and abuse of power. I never filled out any paperwork for approval for overdraft fee payment or overdraft protection when I opened the account. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with nor filled out an application stating that. To prove it, they could not find any application for overdraft protection or approval of overdraft payment application in my record when I opened the account. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees of low income customers - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a dispute with XXXX ( mailed ), XXXX ( mailed ), & Equifax ( online dispute & supporting documents were uploaded ) regarding XXXX , XXXX inaccurately reporting an OPEN collections account with a {$740.00} past due balance. The account should reflect " CLOSED, Paid collection, Zero dollar balance ''. Documentation included with my dispute : A copy of the carbon papers from my check book for XXXX checks totaling {$740.00} for the same account # they are reporting. I also included print out pages, for both checks, from my Bank Account Details page which verified the Original creditor XXXX ( XXXX XXXX Bank ) accepted Payment In Full when they cashed both checks totaling {$740.00}, for the same account number XXXX , XXXX is reporting as past due {$740.00}. 

As a result of my disputes, a comment was added to my credit file that I dispute the account but the account status was not corrected to reflect " CLOSED, Paid collection, Zero dollar balance ''. XXXX , XXXX is still falsely reporting an Open Collections account with a {$740.00} past due balance. XXXX, XXXX, & Equifax received the same aforementioned supporting documentation that I am uploading with this complaint along with a copy of my disputes with each Credit Reporting Agency. 

As a resolution, I am requesting either XXXX XXXX XXXX correctly report the account as " CLOSED, Paid collection, Zero dollar balance '' or DELETE the account. 

Note : XXXX XXXX XXXX Bank ( was Formerly known as " XXXX XXXX Bank - XXXX '' ) and currently reports as " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: CA
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 applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.

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 2016-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I took out a credit card about 10 years ago through Providian Bank. I became XXXX a little while after and could not repay the debt. I received a phone call today from a company that said they were trying to serve me papers for a civil suit. Providian is suing me for defrauding a financial institution and theft of goods. Is n't there a time barred issue? I received a letter that said Providian was cancelling the debt but was told that the letter was for a MasterCard and I 'm being sued for a Visa card. I have not been served the papers yet but someone called me to see if I would be home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
When purchasing Southwest Airlines tickets I was offered a promotional credit card through Chase with the following rewards ; XXXX Rapid Rewards points within six to eight weeks after spending {$500.00} within the first three months and a {$200.00} statement credit after your first purchase. Once I signed up, Chase upgraded me to a more " premier '' rewards program with XXXX Rapid Reward bonus after spending {$2000.00} within the first 3 months. I did not sign up for this premium program, and Chase was unwilling to correct my request from calling on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX & XXXX ( supervisor ) to again make a request to correct this issue and was told I could not. Sent request over to marketing department to correct and it was declined. I requested the account to be closed and the credit bureau inquiry removed. XXXX said he could not do that and he would forward me to credit bureau department to handle removing the credit inquiry. I spoke with XXXX from the credit bureau, he stated he could not remove the credit inquiry. He said the rewards program does not affect the terms and conditions of the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
MY NAME IS XXXX XXXX XXXX NUMBER WITH TDBANK XXXXI BUY A CAR XXXX XXXX IN 2009 ..THE STAMENT NO ARRIVING ON TIMEI TALK WITH REPRESENT ABOUT MY CASE ... BUT NO HAVE HELP.. IN XXXX OF THIS YEAR..THEY OUT MY CAR..I HAD THAT PAY MUCH MONEY FOR XXXX, LATE FEE AND MUCH..THE TDBANK NO HAVE THE LOAN FOR CAN SEE FOR INTERNET AN D I CANOT PAY ..IN TD BANK NOTHING BODY HELP ME..IN XXXX I WAS OK..BUT NOW THEY SAY HAVE THAT PAY XXXX. I KNOW NOT FOR WATH.. 
IN DEPARTMENT OF LOAN ONLY TALK XXXX AND MY XXXX IS NOT GOOD FOR EXPLAIN..I NEED SOLVE AND MY TITLLE OF PROPIETARYTHANK YOUXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: Other

Complaint:
My target card had autopay linked to an old bank account, and after two years of full credit card payments ( on time, and through autopay ), I had insufficient funds in that account. This was my error, so I called Target immediately, paid the full balance plus the {$25.00} NSF fee and requested to change my autopay account. They told me to do this online. I changed the account online to my current checking account and called back to confirm they could see the new account. Target confirmed. The next month they tried taking funds from the old account AGAIN, even though I had changed it, and I had ANOTHER charge for insufficient funds. When speaking to a CSR and their supervisor, XXXX XXXX, on XXXX/XXXX/15 they told me that changing my bank account numbers for payments on line was not sufficient and I had to cancel my autopay agreement and create a new XXXX. None of this information was online, or provided during my confirmation phone call. The website and employees were misleading due to the lack of disclosure, and is both unfair and deceptive, and when I requested the late fees to be returned for them providing incomplete and false information, they refused. The website should have clearly stated information about the new autopay agreements and the employee should have clearly disclosed this on the phone. I should not have been charged the {$25.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card
Issue: Late fee

Complaint:
I made my credit card payment on a Saturday XXXX the day it was due. I was assessed a late fee for the payment. I contacted the credit card company-target, they said the payment was due by XXXX central time. I made the payment at XXXX ( my time which is mountain time ). My understanding is that payments made on weekends, holidays etc are not 'late ' according to the new credit card protection laws. 
Last month my payment did not go through electronically, although I had a confirmation number-target issued a refund for that late fee due to the electronic mixup but that set me up for not having my late fee waived again for customer service issues. 
Target then suggested I could have made the payment via phone, if a phone payment is not late then an electronic payment should not be late either. My bank is still closed on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical debt was paid in full in XXXX of 2015. XXXX seperate accounts for {$54.00}, {$20.00}, and {$7.00} were all paid off in XXXX lump sum payment. The debt collection agency reported the collection to the credit reporting bureaus XXXX months AFTER they were already paid in full, thereby negatively impacting my credit score due to collections accounts that no longer existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Bridgecrest Acceptance Corporation
State: NC
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 wrote Bridgecrest on XX/XX/2022 and they responded with a letter that asked to verify my identity which I did on XX/XX/XXXX. I rewrote them on XX/XX/XXXX asking they remedy the situation. I asked they send a copy of the original contract and correct the negligence they've posted on my credit report in addition to sending a check for all their negligent reporting on my credit reports. Why does the CFPB have a website that is supposed to help me mediate and or completely rectify these wrong doings if they get to continue their bad business practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Senex Services Corp.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Found out that there was a debt collection for {$160.00} on my credit report. I was covered by XXXX at the time. I was never notified of the charge nor notified when it was transferred to a debt collection company. I only found out about this charge when I got XXXX XXXX. This charge was from 2010. I contacted SENEX Services and they have no record of it. I 'd like to pay the debt in full and request it be removed off of my Credit Score - or figure out why it was not covered by XXXX as it should have been originally ( XXXX informed me that I 'd need to contact the ER for billing, but the ER has no record of it either ) ... I just want this off of my credit report. It should n't be there as I was covered, I should have been notified, and I should be able to resolve this. If there is no record of this, why is it o my account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
TD bank held a payment as unidentified funds because my escrow account adjusted, and therefore marked me 30 days late for a mortgage payment instead of shorting the escrow account balance by {$39.00}, I tried to communicate with TD bank but no one there would discuss the situation with me other then they think they are correct

Company response to consumer: Closed with explanation