BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for XXXX XXXX. On XXXX XXXX, 2016, TD Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly {$900.00}. When I contacted TD Bank to ask why they would allow a check that was post dated to be cashed, I was told that they " do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that " in this day and age, the date on the check does n't matter ''. The manager then explained that if I write a check to someone, they have up to 364 days after the date on the check to cash it ... So, they pay attention to the date in case the check is old, but do n't care if the date on the check has n't even occurred yet. How are you going to rationalize telling me the date matters if it is past 1 year after the check was issued, but that if it is prior to that date, you do n't care as a bank? I explained that because of this issue, I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall, it was a very unsatisfactory customer service experience. They however were 'kind ' enough to reverse the {$35.00} overdraft fee that had occurred due to them cashing the check before the date on it. 
Today, XXXX XXXX, 2016, I looked at my bank balance and there was an additional {$70.00} that had been taken out of my account. {$35.00} for the account being over drawn ( I do n't get paid till Friday XXXX, XXXX that is why the check was dated for that day ), then, because that {$35.00} overdraft fee came from an account that was overdrawn, they charged an ADDITIONAL {$35.00}. I called the bank and had a very pleasant young lady who reversed the {$70.00} charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But, because I am just little old me, somehow it does n't matter. 
It is really a shame too, I used to sing TD bank 's praises, but they have really done down hill. And they have lost a customer in me, along with every person I can convince to leave this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I obtained an auto loan with Prestige Financial in XXXX XXXX. My last payment was XXXX XXXX. The vehicle was repossessed XXXX XXXX, and listed as a charge off in XXXX XXXX. Prestige Financial is reporting to XXXX monthly ( oftentimes twice per month ) that I have not paid them on time - as though the late payment just happened. I ignored the reporting initially, thinking surely XXXX is n't treating this as if it 's a new late pay every month ( when it shows as a charge-off back in XXXX ). I was mistaken - Prestige is manipulating dates and amounts owed. This practice of Prestige Financial has lowered my credit score by almost XXXX points. I 've disputed this reporting with XXXX several times throughout XXXX, the correct dates are restored, and no more then 30 days later Prestige picks right up where they left off - even doubling up as though to make up for the month missed while going through dispute. I know for a fact this effects my credit score because it 's the only time my score drops. To date I have disputed this issue four times and the negative reporting immediately reappears. 
My complaint is this - why is XXXX allowing this company to continuously do this? If I submitted a dispute every time Prestige Financial reported a late pay to XXXX I 'd be sending in disputes biweekly, this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This submission updates the XX/XX/XXXX complaint against Renton Collections , Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX XXXX on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX XXXX otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} ( incl. Renton Collections Interest charges ) directly to XXXX XXXX XXXX that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections , Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
i had to call 4 times this morning to make a payment first 3 time s they put me on hold with no explanation for 20 minutes. no apology. nothing. they think i can wait and 2 said they would not. i want something for my inconvenience. or i will be unable to use the card. horrible CS. no interest or a XXXX dollar credit and investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The agency re-aged a debt of {$640.00} without my permission, showing an opening date of XXXX/XXXX/16. I have not had service with XXXX in the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Rent Recovery Solutions
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted via telephone for an invalid debt on XXXX XXXX, 2015. I spoke to XXXX I provided my new mailing address and requested a letter. I knew the debt she was speaking of was invalid and told her this. I also provided my email. I knew I needed their information in order to dispute the debt. I never got any letter and they called me again. I explained I need to see a letter. I will dispute this debt I can prove it is invalid. Now suddenly on XXXX XXXX, 2015 I see it was reported to credit reporting agencies. I contacted them to remove this since it is not accurate and I never received a letter and in NY it is my right to get a letter to dispute. She said it is too late and they can not remove it. I said that is illegal I do n't even know who you are. She transferred me to a supervisor who also said too bad they will not remove it. She wanted me to make arrangements to pay. I said no this debt is invalid and I can prove it. I explained I have been working on my credit and on time payments and this collection will destroy what I built. Again she did n't care. I said I am going to file a complaint. They are illegally reporting false information about me and did not give me the opportunity to dispute this. I know it is my legal right and I need to complain so they ca n't do this to others. This is unfair and it cost me over {$1500.00} more in interest for a new loan I was waiting to receive. This is not fair and I needed to report this unfair activity. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
Even though I have been making frequent on time payments, American Express has significantly lower my credit score over XXXX points. I did not know that I had a charge card and had to pay off the entire amount every month. I never knew or had that understood to me. I made consistent payments but they considerably damaged my credit score. I think this practice is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Sallie Mae keeps playing around with the payments made on my account lately. It has now also charged me a late fee when the loan payment was sent via their own website and yet they say it did n't work. Some months it 's fine and other times it 's not- same bank account was used since the date an account was opened. Now we have changed the account since he graduated and we registered that account on the Sallie Mae website and removed the old one and now they charged us {$20.00} return fee because they charged the old account instead of new one. Somebody has to shut down Sallie Mae!!!!!!!!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX/XXXX/2003, I am requesting this be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card
Issue: Credit determination

Complaint:
On my credit report there is an account ( Target ) that is not my mine. It belongs to a my x-wife not me. I have been divorced from her for six years. When we separated and she moved to XXXX. put in for a card under her name. I have never had such a card. I ask her four years ago to payoff that card or transfer the balance to other cards, she has not. The company says its in a joint card. The only card she got was in her name only. I need some XXXX to correct the mistake and put the card under her credit report and take it off mine. When I got the Devoice, I paid off the cards the judge requested and that she was to pay off. Please correct this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Fulton Friedman & Gullace LLP
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I worked out a payment arrangement with Fulton, Friedman & Gullace, LLP. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out XX/XX/XXXX however they did XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In fact my drafts begin XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Experian continues to place security alerts on my credit report. I did not request these alerts to be added to my Experian credit file. I have requested Experian to remove these alerts on XXXX occasions but the security alert still remains. I have attached a copy of my identification to this complaint. I would appreciate your assistance in helping me to get this alert removed from my Experian report. Thank you.

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 2015-06-20
Company: SLM CORPORATION
State: FL
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 ca n't afford my $ XXXX month payment on my private loan on top of my $ XXXX payment on my federal loan. I have repayment plans with my federal loans but sallie Mae will not extend my loan terms or anything to help me out and my private loans are killing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Consumer Portfolio Services, Inc.
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car was totalled in an accident back in XX/XX/2016. After the insurance company and GAP company paid off their parts. Consumer Portfolio Services contacted me stating I still owed aproximately {$110.00} due to late fees. As of XX/XX/2016 I received a call from CPS at XXXX, outside the normal times debt collectors are able to call. 

I could sue them for violation of the calling rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX 2015, at approximately XXXX CST, my wife received a call. The call was from a man, a representative of Capital Accounts ( XXXX ) who said his name was XXXX XXXX. He stated that he was calling about an alleged debt for me, XXXX XXXX. XXXX requested that my wife verify her identity. My wife, XXXX, refused to verify her identity to some strange man over the phone. Then XXXX gets the brilliant idea of asking my wife to verify the account holder and proceeds to release my entire social security number to an unverified third party over the phone. The debt was related to a medical office which I 've never entered. Further, upon contacting said medical office I was told that they do not have a record of my social security number and could n't have released it to the collection agency. 

In summary, I was contacted by " XXXX XXXX '' of Capital Accounts ( XXXX ) about a debt that did n't belong to me. XXXX XXXX found and released my full social security number to a third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have fallen behind on XXXX of my private loans because I am making payments on other private loans, as well as the bare basics to live on. My parents, XXXX of whom is XXXX, have no way to make payments even though they are the co-signers. I am currently planning to make a move and job change to try to improve my situation. I have a previous arrangement with great lakes for a reduced payment of around {$140.00} a month however I was in the hospital and XXXX as well as other life-issues happen and have fallen behind, I am making small payments when I can every few weeks but the current " past due '' is over {$600.00}. They call my parents several times a day, threatening collections and demanding that they make a payment and threatening default - this happens every single day even on weekends though they never call my phone. I call them several times, explain the situation, asking them for any way to reduce or postpone the payments, to do anything to keep it from going to default - I simply can not pay what I do not have. They basically tell me time and time again there is nothing they can do, it does not matter. 

I am attaching email correspondance - I emailed them after speaking with several reps who suggested that I send an email because they were not sure which department could help me. I sent an email and got a reply saying " it looks like your question about your loan going into default was already resolved ''. WHAT??? I called again and FINALLY a nice rep informed me that basically the only way I can get any help or deferment or any kind of a different arrangement to AVOID default - he told me the only way to get any kind of help would be to enroll back in school and take out more loans. 

So my choices are to 1 ) default on my loans if I am unable to find a better job/more income, even though I am doing everything I can and will continue or 2 ) enroll in school when I 'm not sure I want to go back and take out XXXX more dollars in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: STERLING JEWELERS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called from XXXX to XXXX times a a day from XXXX or more different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My husband and I have received several voicemails advising us that we have completed an illegal transaction that, depending on whose voicemail it is, has ranged from an insufficient funds check to an invalid account. Via voicemails, the agent is telling us that our account is behind due to invalid/insufficient funds and that we are past due. She also states that what we have done is illegal. We always made our payment timely and frankly, I am stunned to receive such a voicemail, when I know that what she is saying is not true or legal to say.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving harassing calls from XXXX which claims to be Contract Callers, a debt collection agency. They say I owe XXXX XXXX over {$2000.00} and they want me to make a payment. I have a XXXX XXXX account and my limit is XXXX what they say I owe and I pay my XXXX XXXX card minimum payment every month. Furthermore, I check on my credit report every month using XXXX XXXX and there is no such outstanding debit. 

Please help me. They are calling my cell phone while I am working. How can I stop these harassing calls?

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 2017-01-03
Company: CASH AMERICA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Cash America XXXX XXXX XXXX XXXX, OH XXXX is the comany that I had an installment loan with. In early XXXX 2016 they took out of my checking account about {$2600.00} because I was n't able to pay my installment. They made no prior arrangement to take that much money out of my account. Then a few days later they put the money back into my account and took out the normal? XXXX installment. But by that time the damage had been done and I was deeply overdrawn on my account. Then on XXXX XXXX they took {$2400.00} from my account again putting me in the hole with the bank. They say in an effort to collect a debt.The money they took was from my VA check.

Company response to consumer: Closed