BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-02
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had my car repossessed by Lobel Financial on XXXX XXXX. They stated I was 45 days late in XXXX payment. I always pay my car note on or around the XXXX of each month even though my car note is due on the XXXX of each month. That brings me to be 15 days late each month. I was told they are tired of me paying each month late. And out of the 8 month I had my car which I got back in XXXX I have paid my car note late 6 times. I checked my credit report on XXXX XXXX, and my report state I paid every car note on time. I did make a payment XXXX XXXX. I was told that was for XXXX but on my credit report it was reported as on time for XXXX. I contacted Lobel a few days ago and they stated I missed a payment in XXXX and for me to find that receipt of payment and then they will review my case and see if I can get my car back. When I told the lady that it was positive reporting on my credit I was put on hold for her to tell management I guess. I know I paid XXXX and pay my car note every month. I was trying to pay no more then 30 days before it hit my credit so I can build credit and trade the car in. Also the terms of lease change and the amount I pay each month changed I paid for 8 months and my car loan never went down XXXX bit. I put down {$3000.00} on the car and the current balanceit is more money owed then when I first. My car financed was suppose to been {$7900.00} with {$3000.00} down. In Addition they financed my car with the wrong SSN I had to change it to the right number when they called me a few days after I got the car. Also they had stop completely sending me statements regarding my vehicle. I have XXXX statements and I will show how in two XXXX months XXXX payments where made and my payoff balance only went down by {$100.00}. I 'm very confused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this debt has been placed on my credit report, it was my wifes debt from a injury, this debt was suppose to have been paid by the company she sued and was court ordered for it to be paid. Last year Capital Accounts , llc. contacted me XXXX XXXX in regards to a medical bill owed to the XXXX and XXXX XXXX in XXXX, AL. I gave the lady who called all the information regarding the debt including the attorny who handled the case for me. After that discussion, no other person nor any mail from them has ever been recieved for me or my husband. I recently got on XXXX and checked my score and the debt was still on my account, i disputed this thru XXXX who removed it off my report due to inaccuracy. In XXXX 2016 we decided to purchase a home and had my husbands credit pulled, and to our surprise they attached this debt to him, without any contact to him via mail or phone. I have contacted the atty. that handled the case, as well as this collection agency who put this on my credit report. Yesterday XXXX/XXXX/16, starting at XXXX, i spoke with a XXXX, who coulnt pull this debt up using a name or XXXX last XXXX social and nothing under mine at all, after about 30 minutes he finally located it, he informed my that my husband was also responsible for this debt since he was the primary on our insurance, i told him i belived that not to be true! I told him I would call back. I called back and then spoke to a XXXX around XXXX and she informed me after 30 minutes or more of even locating our information once again, that he apperantly had been to the office and signed paperwork, i told her i hoped she was recording this because my husband has never signed anything in XXXX XXXX office, first off he does n't XXXX, the lady became very quiet and stated that this was my bill, i then again to explain this over again to her and i have become aggitated because they ca n't get the information straight. This morning I contacted the dr. 's office and they told me they no longer use this agency anymore. I called this afternoon and have been run in complete circles from one debt rep to another and on who stated his name as XXXX XXXX, supervisor, he decided he would send me to another bigger supervisor and low and behold i was back with XXXX again who stated he did n't even know who the XXXX was or the supervisor, i laughed and felt concerned what kind of place are these people running. Again today I got nowhere with this. It is still on my credit report under XXXX for XXXX amt and on my husbands credit report as another, also this company does not mind sharing anyones personal information, as they pulled up my husbands account and discussed it with me without asking his permission first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
After graduating in 2015, I began work as a low paying XXXX. I spoke with three different people at Sallie Mae, telling them I was in serious financial difficulty and needed time to gather a prudent reserve to again begin paying them. I told them I fully intend to pay my debt, but needed time to gather enough money to not be so XXXX about making daily fixed expenditure payments. Since that time, they have called repeatedly including calling my sister who has an XXXX and harassing her also. There is absolutely nothing I can do at this time to resolve this and the XXXX pressure is incredible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I submitted applications to this company to get a private student loan. I was denied and called back to sibmit reconsideration and my first reconsideration was not even looked at. When I called for a second reconsideration, I was informed this first reconsideration was not even considered because of an error in the information they received. My second reconsideration resulted in denial due to errors in my credit report that I have recently filed complaints with the XXXX credit bureaus to correct the errors. Also, I admit to having some debts but I became ill and lost my job 2 years ago. It took me a year to learn to XXXX again and to get to where I am today. I still have some lasting XXXX from the XXXX I suffered. I have offered documentation to everything I have said and the company has never asked for any. My co-signer also has amazing credit and a lot of land he could borrow against to pay the company back of needed. XXXX of XXXX things are happening, either the multiple people I have talked to have not put this information in the reconsiderations or I am being discriminated against because I was ill, lost my job, lost my ability to XXXX and XXXX. I feel like it is discrimination but I will let the company answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I tried to pay a contractor using our Square Checking account. When I logged in, I noticed that my account was under review and the funds were frozen. I received no email or communication from Square Financial Services so I called them. The rep explained that it appeared fraudulent and after verifying all the information and transactions, they would request the funds to be released. But due to the fact that they were closing in XXXX minutes, it would be the next day. The account was released the next day with no problem. On XX/XX/XXXX, our account was once again frozen and under review. I contacted square again and verified all transactions and was told the release would be done within XXXX minutes. It was not done and as of XX/XX/XXXX the release has not been lifted. I spoke with an agent on XX/XX/XXXX and explained the problem who advised that it could be XXXX business days before the review would take place and the hold released. I explained it was not acceptable as I have to process payroll and pay vendors and as a restaurant, I needed access to my funds. I asked to speak to a manager and was advised that management couldn't expedite the process but could listen to complaints. Once again, I received no notice or way to correct issues until my card started getting declined when I was paying vendors. The process to review accounts and the fact that management can not expedite the process and the fact that customers can not speak to the account review team is absolutely absurd in the financial world. I am requesting a full review of Square Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EAST WEST BANK
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.

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
Consumer complaint received 2022-10-19
Company: AFNI INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
afni collection is trying to collect a fraudulent debt I never applied for XXXX XXXX in XXXX that this agency does not call me anymore and do not report any negative account in my report I am already repeating a complaint to the federal agency traffic commission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Signed up for an XXXX XXXX credit card with Barclays Bank on XX/XX/2022 with an offer for XXXX AA miles & a {$95.00} statement credit after spending $ XXXX dollars within 90 days. I spent the money, paid the {$95.00} annual fee & got the XXXX AA miles for doing so but have not received the {$95.00} statement credit. This has all been confirmed with the bank several times. Representatives agree that I have met my requirements but they also can not seem to get the credit to happen. 
On XX/XX/2022 I contacted support and they opened a case to resolve this. Today XX/XX/2022 I called again and went through the issues again and the rep confirmed the case existed but there was no update. The rep, nor her supervisor, were also unable to resolve the issue after XXXX minutes.

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 2015-08-17
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I found out about this debt when served with papers saying I was being sued by Med1 collections. The papers were served on XXXX XXXX 2015 with a court date of XXXX XXXX 2015! I work as a XXXX, I called when I could but Med1 would deflect my attempts to try and figure this out. I have a gentleman working on my credit and finances. I signed a power of attorney and asked him to get the information. He sent the " lawyer '' for Med1 a letter ( attached ) asking for paperwork to validate the debt so we can see what this is and if it is correct work out a settlement. The " lawyer '' says he has the paperwork but refused to give it to my representative since he was not a lawyer. He said the only way to get the paperwork is for me to call him. I do not want to call a debt collector and get bullied. I should not have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Consumer Portfolio Services, Inc.
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Consumer portfolio services place my loan status on XXXX major credit bureaus as charge off without any written consent to me nor have they answered any email or phone messages i am late on loan and informed them of death in household being cause of reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2022 I'VE NOTICED THAT MY CONSUMER CREDIT REPORT SCORE HAS NOT GONE UP IN SEVERAL MONTHS. 

I HAVE PAYED ALL CREDITOR ON TIME AND ADDED NEW CREDIT AS WELL. 

WHY HASN '' T MY CREDIT SCORE INPROVED TO A HIGH SCORE????????

EQUIFAX IS COVERING UP REGULATORY VIOLATIONS AGAIN!!!!!!!!!!!!!!!!!!!!!!!!! 

MY XXXX AND XXXX CREDIT REPORT SCORES ARE WAY HIGHER THAN EQUIFAX AND THE HAVE THE SAME ACCURATE CREDIT ACCOUNTS AS EQUIFAX!!!!!! 

EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Dear Attorney General, Sending you the photos statements of the TCF bank that was internet hacked, stealing out my account over {$100000.00} to {$120000.00} Also included is the attorney 's XXXX XXXX 's letter he has sent to TCF Bank. Including is the denial letters from TCF bank, they said i profit from the the person 's that stole my money out of my accounts, which i never did! How could i have profit when my money was stolen from my accounts! TCF bank never put a stop of the money the person 's wired out of my accounts.

I did not know my money was stoien from my accounts for a week when i went to TCF bank, TCF never notified me!

TCF bank sold their bank to Huntington bank, I been trying very hard to have Huntington bank to give me back the money that was wire stolen from my accounts, they said they could not do anything [ nothing ] for me, because TCF bank shut down my account and they have no record of my accounts, I said but i do have the bank statements, but yet Huntington bank wants me to pay back the two fraud checks total {$11000.00} that was sent to me from the sweepstakes scam from XXXX XXXX XXXX bank which i deposit in TCF bank, both checks bounced. How did Huntington bank have this account record from TCF bank, and not my other accounts?

Huntington bank has all my TCF accounts information, they keep lying to me! They do not want nothing to do with me, they told me that they could not help me!

There should be some laws for banks to protect your money, i am hurting, the money was wire stolen from my TCF accounts, Huntington bank should be held responsible to give me back my stolen money, they have my TCF accounts, when i talked to other persons in the dispute department they said they are waiting for my TCF bank accounts, later when i called they told me they found them, now they tell me they don't have any accounts of my TCF accounts, and will not do nothing more for me!

I hope you could please help me recover my money, to get Huntington bank to give me back my money that was wire stolen, from the TCF accounts. TCF bank sold their bank to Huntington bank, they did not care of the money wire stolden out of my accounts!.

I am hurting, please help me get back my money from Huntington bank, that was stolen from my TCF bank accounts. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: SLM CORPORATION
State: CO
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:
I 'm a XXXX and currently begun my career. However, my income is not sufficient to cover my living expenses and pay for my student loans. Because of this situation I was delinquent on my Sallie Mae loan payments. I spoke with a gentleman named XXXX who is a Manager in the Sallie Mae collections office. We discussed my financial hardship and he advised me to bring my account current before they could help me with special hardship assistance ( lowering my interest rate and monthly payment ). I have brought my account current and called Sallie Mae to take advantage of the special programs that XXXX XXXX had covered. The Sallie Mae servicing department is not able to work with me because my account is not past due. I 'm being proactive about my account not falling into delinquency again but the only way Sallie Mae will offer me any hardship assistance is if my account falls into delinquency again. They are adamant that unless my account is delinquent that I can not speak with a Collections representative about special hardship programs to lower my monthly payment. The Sallie Mae servicing department is only offering me a financial forebearance for 3 months while the interest builds on my already un-affordable student loan. Based on my conversation previously with XXXX XXXX of the Sallie Mae Collections department the programs they can offer me a lower interest rate on all of my loans to that I can have a income dependent payment and do not fall into default.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello 1st. XXXX XXXX XXXX keeps mailing personal information of mine to old addresses that I know longer reside at. 
I have called national credit systems on many occasions to have them remove the old addresses and I have given them my current address and correct phone number and they still keep sending my private information to old addressed. I only know this because my XXXX ex husband resides at the address that national credit systems keeps sending my mail to. XXXX XXXX XXXX has also discussed debt details to my ex husband and this is absolutely not okay. 
2nd. The debt they are accusing me of has been settled with the original creditor. I have sent receipts as well as a copy of my bank statements to national credit systems where they still refuse to remove my debt because I did not pay them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Massachusetts Educational Financing Authority
State: MA
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 an XXXX degree from XXXX College. During my time there, I applied for, and received, private student loans from XXXX/MEFA ( Massachusetts Educational Financing Authority ). These XXXX loans equal approximately {$100000.00} in principal debt. 

Upon graduation from XXXX, I was accepted directly into XXXX XXXX XXXX for XXXX school and received and automatic deferral on my federal loans. However, when I contacted XXXX/MEFA, they informed me that my loans could not be deferred, despite being placed in an in-school status. As a full-time student, it is impossible for me to pay the full costs of the loans, which amount to approximately {$1000.00} per month. They will not allow any kind of forbearance or deferral, despite my ongoing education and lack of income. They also will not renegotiate the terms of the loans.This loan corporation 's deceptive practices placed me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The date of the late payment is XX/XX/2018 where I am marked for a XXXX day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan XXXX XXXX XXXX where I have not missed a late payment and refuse to give me a reason or response as to why this XXXX day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this XXXX day late payment from both Equifax and XXXX removed that I did not do!

Company response to consumer: Closed with explanation