BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$29.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$190.00} XXXX XXXX {$100.00} XXXX XXXX {$170.00} XXXX XXXX {$640.00} XXXX   XXXX {$24000.00}

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 2016-06-22
Company: Brennan & Clark, Ltd., LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX, of Brennan & Clark Ltd., told my receptionist that they are going to take over my bank account, and that was going to drastically affect " her '' paycheck. He also asked her if we ( my company ) were closing up the business or taking out bankruptcy. 
I thought this was illegal? He has no business telling anyone about " my '' business. 
Not only are they harassing me and my employees, but the amount of the debt was in dispute with the person I owe this money to. We have resolved the issue and they have worked out a payment plan with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-05
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
For the past year I have been trying to negotiate an affordable student loan payment on my private loans. However, ACS refuses to work with me and my payment amount keeps rising. My only option was to consolidate my federal loans to get more deferment since I could not afford to pay both private and federal loans at the same time ( {$900.00} and $ 600/month ). As a result I ca n't participate in IBR for my federal loan. My firm just did a massive layoff and now my only income is unemployment. ACS will only grant one month of forbearance and will not lower my $ 900 monthly payment. 
I do not want to default, but ca n't afford the montly payment. Many of the jobs that I am applying to require good credit so I may not be able to find employment once my loans go into default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
in a letter from Pennymac dated XXXX/XXXX/2015 I was approved for a HAMP XXXX with Principal reduction Trial modification. My XXXX trial pmt was due and paid by XXXX/XXXX/15 my XXXX pmt was made on XXXX/XXXX/15 and my final trial payment was made on XXXX/XXXX/15. I have not received any permanent mod doc 's and no one at pennymac can tell me what the new terms are. 
Pennymac is in breach of the XXXX month trial agreement. 
They want meto make more trial pmts which is an unfair and deceptive ploy in order to partially collect on a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: TRANSWORLD SYSTEMS INC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have tried repeatedly to contact trans world systems on XXXX to figure out why a medical debt for {$51.00} is showing on my credit report and I follow the prompts ( 1 for english and so on ). It asks me to enter my ss # and then I 'll be transferred to an agent. Each time I do and then the line just hangs up!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Over the years I was taken to court on a old credit card debt 7 times! And 7 times it was thrown out of court being the debt collectors never showed up! But he did on the 8th time, years later. 
I was garnished at XXXX % on XXXX/XXXX/XXXX for {$12000.00} As of XXXX/XXXX/XXXX I 've paid XXXX and was wondering why the garnishment did n't stop. After getting a hold of the Court house they told me my balance was {$0.00} and some times it takes a few weeks to stop the garnishment, then, supposedly they pay you back what was overpaid. 
Now I called Portfolio Recovery Assets & they would n't tell me anything, not even how much was left or the original balance. 
Told me to have my lawyer call their lawyer, which I did and it cost me another {$400.00} to get my old lawyer back on retainer. He found out they somehow tacked on another {$6800.00} as interest and court fees! 
As of XXXX/XXXX/XXXX I 've paid {$6700.00} making me owe {$81.00} Now I just got paid today and they still took 25 % out close to {$250.00} again.I believe I 've paid close to $ XXXX-XXXX more than I should 've and need this fixed, I can barely survive.Satisfaction of Judgement has clearly been met, yet they still continue to steal my money and harass me. I 've got the Case number, the lawyers numbers, documentation of what I paid but NO documentation of the TOTAL FULL Debt and they just keep taking. Portfolio sued me through XXXX XXXX XXXX XXXX. I need help and am broke, they have taken nearly {$21000.00} on a $ XXXX debt! Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: DriveTime
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from Drive Time Acceptance in XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and DT 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a new TD Bank checking account at the end of XX/XX/XXXX. This was after receiving a mailer about an opening bonus and I decided to take advantage of it. The account was opened on XX/XX/XXXX. The terms on the mailer I received is similar to what can be seen in their current active offer online : XXXX XXXX XXXXXXXX After opening the account I called and verified that it will qualify for the opening bonus offer. They told me that the account qualifies and once the requirements are satisfied I should get the bonus. 

Fast-forward to XXXX and I still haven't received the bonus so I called TD bank customer service once again. The rep I spoke with once again confirmed that my account should qualify for the bonus and told me they will investigate and escalate as necessary. I had to call back again at least 2 times after there was no change and they kept telling me the same thing. Finally on XX/XX/XXXX after multiple calls over the last month, I was told that upon review my account was deemed ineligible for the opening bonus because they claimed that the mailer was not addressed to me. They told me that this was the determination of an internal department and when I asked to speak to that department I was told that they do not speak with customers. 

Meanwhile, the bonus scheme is still active to date and can easily be accessed online. The mailer I received had me go to a website link to sign up and did not require a unique code to activate the bonus. 

Because they refused to escalate and hear my concerns further I've decided to close my account with TD bank. Please investigate as their online bonus offer is essentially a scheme and fraud if it means they are not actually giving people bonuses and are arbitrarily saying accounts are ineligible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed this debt and filed a fraud complaint. The collection company sent me " proof '' that I owed the debt. They sent me a letter stating that they had investigated my claim and they had concluded that my debt was not fraud. Their " proof '' was a credit card statement for a completely different person, with a completely different debt ( NOTHING similar to the one they say is me ) in a completely different state. This does not instill very much confidence in their abilities to " investigate '' my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection account on my credit report by a debt collection agency : Fox Collection Center which is not licensed in the state of Florida. Therefore I am disputing this collection 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 2022-05-18
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022 payment was sent to XXXX & XXXX XXXX XXXX bank to pay off the balance for the amount of {$340.00}. 

Included in the check amount was a copy of the statement and the payment was mailed to the processing center XXXX XXXX XXXX XXXX, Florida XXXX. 

For some reason, the check was returned stating the company did not know how or where to apply the payment. A copy of the statement was included so there should be no discrepancy.

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 2016-03-16
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I 've been trying to submit at economic hardship deferment since XX/XX/XXXX and have sent them via email my paperwork including pay stubs. I gey a receipt that they 've received it but when I call they have no record of it. I 've also usually made my payments using my debit visa ans apparently that 's changed because 2 payments ( with interest added of course ) were rejected and I was told over the phone I have to use my routing and account numbers. XXXX is an awful customer service rep. She set up a second deferment/forbearance request but could n't or did n't access my pay stubs and now my loan is in default. If there 's a way to consolidate my XXXX loans into XXXX with another company I 'd be willing to pay a higher interest rate because ACS is a TERRIBLE company to deal with and their people either do n't care or are n't trained well or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Visited XXXX today and noticed a collection from Midwest Recovery Systems for {$770.00} representing the original creditor XXXX XXXX XXXX ( out of business per BBB ). This is obviously not my debt, when looking up the Payday Loan company that they say I got this loan through, all comments and reviews are it being a scam Payday loan company using threats to get money for unproven loans. I will be contacting all XXXX credit bureaus, the CFPB, FTC, and reporting this to the local police. Of course no letter in the mail either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
Direct Deposit unavailable. Customer Service is also unavailable so I ca n't find out any information regarding funds or when they will be available. Several other customers are posting information about not receiving their funds as well since XXXX/XXXX/2015. Reading posts from other customers and XXXX information regarding this issue is the only way I have been able to access any information. The company itself is not through the XXXX number or e-mail either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: TN
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 report identity theft to the credit breau and somehow they saying they not receiving my FTC report and I sent it to them multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been an XXXX XXXX Acct # XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a one 30 day late payment on the above referenced accounts that date back to XXXX. Since that time I have been an exceptional customer paying early every month and have been rewarded by XXXX XXXX with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of that late payment, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX   XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply.

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 2017-07-06
Company: AFNI INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It 's not the collection agency dept to collect ... i do not have or had a contract with the company afni for {$1000.00} owed ... therefor it should not be on my credit report from all 3 bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I had a joint Citi Card with a debt of almost $ XXXX. I have paid off this card for almost 1 year. 
However I just noticed Citibank is still reporting this debt to Credit Agency - XXXX which is killing my credit score. Please immediately have Citi Bank remove this from my Credit Report. 

This information was found on XXXXCITI {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnionA complaint also filed about XXXXCase Number # XXXXThanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: U.S. BANCORP
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
According to US Bank, they received a credit card application in my name on XX/XX/2022. The address on the application was : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I communicated via telephone with US Bank today XXXX XXXX XX/XX/2022 at XXXX XXXX XXXX XXXX to inform them that the application for the credit card is in fact fraudulent. They noted the transaction as such.

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 2022-05-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
ive banked with USAA for over 20 years Over that time, I have incurred probably over 300 overdraft fees totaling well into the tens of thousands of dollars Its absolutely ridiculous that these overdraft fees are charged to people who cant afford to keep money in their account and might go over your balance by a dollar or so Its a vicious cycle where the rich get richer and the poor get poor USAA should be absolutely ashamed of themselves along with other banks who are praying on lower income people I charging these fees only to make their pockets deeper

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX XXXX, 2016, I contacted National Credit Adjusters to clarify the phone calls I was receiving from a company called XXXX XXXX. At first the person who answered Identified herself as an operator but that she also was a debt collector. She had a very raspy voice. When I tried to explain myself she stated " did they call threatening to take you jail. that was n't XXXX that was someone else as XXXX would not do that. '' I explained that I just wanted to know if I really owed this debt and was entitled to documentation to support owing the Debt. At that point she told me I had XXXX accounts in her office that was being services by XXXX XXXX and XXXX XXXX. She told me that a XXXX debt from XXXX was still in their office but the person was gone for the day. I then told her that 's why I was asking for verification as the same debt I am currently in agreement with XXXX XXXX XXXX XXXX for payment. I also asked her to send my letters to verify my paid in full status of accounts I previously settled with National Credit Adjusters but never received. She became belligerent saying I was not being cooperative. I tried to explain that I was only trying to get to the bottom of who and I owe she stated " XXXX I do n't have to put up with your attitude I am ending this call '' and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enrolled in college but did n't attend not even first day. Asked to be signed out as I could n't XXXX XXXX to get there or get a ride there and I was n't given the opportunity to have withdrawal papers mailed to me. They kept the money sent by my loan lender for books and things I never purchased and kept me enrolled and said it was the teachers decision to drop me. That 's not right. ( XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I requested Penny Mac to remove the PMI insurance they say it has to be 78 percent the law states 80 percent we want it remove. I am current with my loan and I do qualify for the pmi to be removed

Company response to consumer: Closed with non-monetary relief