BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: D. SCOTT CARRUTHERS
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Hi I received a call from " Law office of Scott Carruthers '' today. First a girl spoke with us and said we owed a few thousands on a bank account that had negative balance almost a decade ago. And that we need to pay this amount. 
When we asked her if her office was a debt collection agency, she said NO. She said they were a law office. Which seems like it was a false statement. 
When we disputed this amount since we do n't see it on our credit report, she started getting irritated and handed it over to her " supervisor ''. The supervisor seemed irritated right away. So we asked him to mail us a letter with all the details of this account, amount, etc. on their letter-head. He refused saying he did not want to spend 42 cents mailing a letter. And he in turn asked us for a fax number where he could fax us a letter. We do n't have a fax. So I persisted with request him to mail the letter. Called my work multiple times, after I told them not to call my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
mycampuspartners has implemented a new " convenience fee '' if you wish to pay directly your checking or savings account. There was always a fee for paying with debit/credit card, but now there is also a fee for direct withdraws from your account. The only way to avoid this is to mail in a check, which, in 2016, is a bit ridiculous. This is a pure money grab as they do not incur fees for direct ACH deposits with withdraws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: New Mexico Educational Assistance Foundation
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Since XXXX I have tried to consolidate my student loans held by New Mexico student loans, ( XXXX ; New Mexico educational assistance Foundation ), they go by many names. I am currently on medical leave with my current employer due to a XXXX and XXXX XX/XX/XXXX. New Mexico student loans Corporation continues to insist that they are a federal student loan company but the US Department of Education does not have them listed in there database, XXXX. I currently have all my student loans consolidated under XXXX as my service provider. New Mexico student loans was not eligible because they are a private company and they are not willing to work with me on any forbearance or income-contingent repayment plan and continue to reflect negatively on my credit report. I filled chapter XXXX bankruptcy in XXXX and I do n't understand why this debt was not dischargeable because they are a private lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: NAM National Arbitration and Mediation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from a spoofed number. I could tell because the area code was XXXX but the caller ID did n't have a state. They left a message saying they had something ( they did n't get specific ) attached to my social security number and would take legal action if I did n't return the phone call. I find it interesting that they would n't reveal their company name. Professional companies give information not shady messages. 
The ONLY way I will EVER communicate with them is if they mail me a copy of the original debt, who they are collecting for, a copy of a contract or payment agreement, and dates of payments I did make. Until I receive the above information they are not to call me.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I place an order for XXXX items XXXX of items was not received and contacted XXXX. They are refusing to credit the items that was received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a {$3400.00} debt listed on my credit report and it has been paid. The reporting collection agency will not report the payment and I was told to challenge it and let the Credit Reporting Company call them. I have a receipt showing it has been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: OH
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 would like to file a complaint regarding an account Equifax is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/XXXX. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told Equifax that I challenge the accuracy and reporting of this item. Equifax is reporting that XXXX XXXX ( XXXX ) Date of Last Activity is XX/XX/XXXX, this does not match any payment date or account change on the reported account. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/XXXX I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete " This is a stall tactic and this is almost two months past the date my letter was mailed and received by Equifax. Equifax can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act. As I stated I would in my initial letter to Equifax, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Equifax, the certified mailing receipt, and my CFPB complaint where Equifax tried to stall saying This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion reports this amount paced for collection by XXXX. I have never had any dealings with XXXX. This is either Fraud or and Identity problem. 
XXXX XXXX XXXXXXXX XXXX, 2015Open $ XXXX DetailsLast Reported XXXX XXXX, 2015Collection Agency XXXXOriginal Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, 2015Closed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a judgement ( request and writ for garnishment ) slip from a company that I contracted for last year. This debt is more than 20 years old and is not valid or right according to my research. To elaborate on the situation here are the details, purchased a vehicle back in 1996, after a time the vehicle was stolen, no use in continuing payments on a vehicle that I no longer had possession of and yes the information about the theft was provided to Credit acceptance. Fist this debt is way over the statute of limitations and secondly I have not been served any papers to appear in court to defend the validity of the case. I do not have any papers due to the fact of the age of this situation and I am looking to see if there is any remedy for me due to improper handling of an old debt.

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 2015-10-05
Company: Mobiloans, LLC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2014 I took out a {$1000.00} 'Line of Credit ' at about the same percentage as a payday loan from a tribal lender - Mobiloans. Over the course of the next 10 months I made regular payments of {$95.00} every two weeks. A few times I paid off the loan completely, only to need to take it out again. In XXXX I signed up with a debt management program. Mobiloans denied the proposal, saying they do n't work with those. I was told they would not accept any payment discussions on my loan until I was 30 days late. Once at 30 days, I called back to again discuss payment arrangements. I was not trying to 'settle the debt ', I was trying to pay it back with arrangements I could handle in my budget. I was told I could pay {$950.00} in XXXX installments of {$470.00} each within 30 days and this would satisfy the remaining amount due of {$1300.00}. I was told this would be accepted as payment in full and release me from the remaining debt. At great hardship, I made these payments on time, for a grand total of {$5000.00} paid on {$3400.00} loaned. 
During the entire time I was making on-time payments, nothing was reported to my credit report at all. As soon as I made the last payment of {$470.00}, my Transunion reported showed up with a Mobiloans account, of {$1300.00} Charged Off/Unpaid to Collections. 
I immediately called, and was directed to email Mobiloans Disputes. Disputes told me they would change it to Charged Off/Balance {$0.00} because I had 'accepted a settlement '. At no time during the payment arrangements was I told this would report to my credit this negatively. Usually Charge Offs are reported when there are XXXX plus months of non payment. This was not the case. 
I offered to pay the remainder of the amount they accepted as Paid in Full just to have this removed. They refused, saying it was my mistake that I chose the settlement option. I asked that they remove the Charge Off then as this was only hurting my credit, not them, as they 'd received {$1500.00} above the original loan paid back in full. I was told that they had to report 'accurately '. However, they had not reported 'accurately ' the amounts paid, nor the good payment history before the accepted final payment. 
I 've sent multiple letters and called numerous times. At best, I 've been told 'I should be thankful they are only reporting XXXX '.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX account, Student Loan closed and discharged ( XX/XX/2016 ) by XXXX. I am currently XXXX and receiving social security payments.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-04-09
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Has CITI disable the FICO Score for the the " Citi ThankYou Preferred '' Credit Card? 
Last Update was XX/XX/2017 From CITI Bank, " Thank you for connecting with us here on XXXX. I understand your concern and would be glad to help. I am sorry about the frustration regarding your FICO score.The FICO score is updated once every 45-60 days for the month prior. If your last update was on XX/XX/2017, then you should see your XX/XX/2017 FICO score around XX/XX/2017. Please let us know if this helps. 

Thank you, XXXX XXXX. '' Really? 
Why Supply a FICO Score that is 45 DAYS OLD. XXXX Come one Folks is it really that hard to update the customers information the same day that you get it? 
Granted it is one of the more Useless FICO Credit Scores, but it should be supplied to the Customer when you get it, not days, weeks or a Month later.

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 2017-03-31
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to Citibank. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called Citibank numerous times and updated them, but failed to put that information into writing. By late XX/XX/2016, the debt consolidation loan settled and a check for {$33000.00} was issued to Citibank. The last account statement I received from Citibank ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from Citibank. Citibank apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe Citibank, despite two letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.

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 2015-09-18
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This account had originally been around {$4000.00} (? ). My husband had been helping with this payment for while at an agreed upon {$150.00} every month. He then stopped helping me and we do not share an account so I do not have access to any money other than what I receive from XXXX ; which is n't enough to pay my bills. I have not been able to work since XXXX 2011 due to multiple debilitating health issues including XXXX. I tried to explain this situation to the hospital via phone and in writing. I continued to make payments albeit not every month, but I told them I could pay a much smaller amount then the {$150.00}. I expressed that I was concerned about the situation and that I wanted to pay it off so they could receive what was owed and I could protect my credit. After my last note to them I never heard anything for months. I was n't sure what was going on and I suppose I optimistically and foolishly hoped that perhaps they wrote the account off since at least XXXX had been paid and also due to the difficulty of my situation. I had testing done the other day at the hospital and while scheduling this over the phone this was mentioned. I attempted to explain the situation again and was told I could set up plans to make a new payment plan. Instead, I found out through XXXX XXXX that I had been turned over to collections. I do n't really fair this was fair as I was trying to work with them, but could n't afford to pay what they wanted to my financial, marital, and health situation. I did not see any notice indicating I was being turned over to collections. and this was going on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Consumer Financial Debt Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this debt is for an appointment that i missed with a doctor ive never met. I called her to explain that i was sick that week. It didnt matter, her policy is to rip off the public for a missed appointment. to the tune of {$100.00} for no services rendered. XXXX XXXX XXXX XXXX in XXXX, Pennsylvania.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08
Company: Synovus Bank
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My daughter XXXX is trying to establish her first credit. She took advice from XXXX which suggested she apply for a credit card through First Progress. This was approximately 2 months ago. She has still not received her card. However, she can see on line that she has a payment due! Additionally, my husband signed up for the same card in XXXX, 2016 and they withdrew {$300.00} and he has never gotten his card and demanded money back to his account and they said they would put it back but they never did. This white collar crime entity should be SHUT DOWN FOR FRAUD! Where is the enforcement at? They have now stolen {$200.00} from my XXXX year old daughter who is seeking to establish her first credit and she has not even received her card and they are wanting a payment from her. Same with my husband. They have now stolen {$500.00} from my family. I will file a separate complaint on my husband 's behalf. I will also file other complaints where necessary for this matter. Certainly CFPB is aware of their game. I have seen other similar complaints. SHUT THEM DOWN! What 's the hold up? NOT OKAY. TOTAL XXXX What it is, is these other bank entities see what the big banksters did with securitization and so they know what they can get away with until Congress finally gets them and holds their hands out for the fines, but in the meantime First Progress and like entities are rolling in the dough at the expense of the hard working tax payer. Total XXXX. We will wait to hear a response. The money is PAST DUE AND OWING PLUS INTEREST! We WILL NOT do business with this entity. XXXX has some liability here for even suggesting such an entity. That will be the next complaint as well. They are advertising them on their site as a suggested entity to start building credit. WHAT A BAD EXPERIENCE and EXAMPLE. Pathetic! Fraud and Embezzlement going on here! They are also very hard to reach. REF # For the Credit Card is XXXX. Their Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: TMX Finance LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector coming to my house over stepping thier boundaries, excessive calls and voicemails from XXXX to around XXXX or XXXX. all the options to satfiy the loan was told to creditor and still calling and showing up at my place of resident to collect debt. Unfair business practices involving the Truth and Lending Act. Also steady changing the terms condition of the loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My father and I have the exact same name and similar SSNs. In the past the various credit reporting agencies would occasionally combine our credit reports in error. Every time I have gotten it fixed ( and it seems to have stuck with all by XXXX XXXX. This time I am seeing hard credit inquiries for a car loan as well as a credit card among other things on my report that belong to my father.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: DAS ACQUISITION COMPANY, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company collected my DL, SS #, Mortgage Statement, and Credit Report. I'm severely violated here since now this XXXX man team will not hand over my XXXX XXXX credit report. The CFPB will not do anything but send a letter. YOU have to enforce harder punishment for these XXXX XXXX  mortgage companies taking advantage of us and HAVING our whole life and we have nothing ( my SS #, DL #, picture, etc ). 
Now, they will not communicate with me after I informed them I was writing the Attorney General 's office. 
XXXX told me that they were pulling a " HARD REPORT '' BUT XXXX promised it was a SOFT pull. 
On the online application I told her that I wasn't going to agree to a credit pull since I had a copy to sue her. 
I HAVEN'T BEEN GIVEN ANY DETAILS OF THE LOAN? 
YOU have to REGULATE this Mortgage industry. 
NOW, I'M FEARING THEY WILL SELL MY DATA. 
They are refusing to release my credit report to me stating they can only send me a consumer version. 
I was forced to RELEASE MY CREDIT OR ELSE XXXX WAS NOT GOING TO PROCEED WITH THE LOAN. 
I had sent her a copy of my Credit Report from XXXX Bureaus ' but this was NOT GOOD ENOUGH FOR HER. 
SHE FORCED ME BY STATING THAT SHE HAD TO PULL HER OWN COPY??? 
IT STATES THE SAME INFORMATION??? 
Now, they won't proceed with the loan since I'm requesting a copy of what they have on me. 
They have a MORTGAGE CREDIT and XXXX stated that I CAN'T HAVE A COPY OF MY OWN CREDIT THAT SHE ILLEGALLY PULLED? 
XXXX alerted me that I had a hard pull on my credit this morning. 
I had sent her my credit report yesterday ( XX/XX/2022 ) SHE PROMISED ME IT WOULD BE A SOFT PULL SO SHE LIED. 
I DON'T EVEN KNOW THE NAME OF THE MORTGAGE COMPANY WHO WILL HAVE MY DATA? 
WHO IS DAS/ACQUISITION OUT OF MISSOURI? 
They don't even answer the phone like a normal business?

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