BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-15
Company: AES/PHEAA
State: PA
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 applied for a federal consolidation loan on XXXX/XXXX/XXXX, included in this application was an application for income based repayment under the REPAYE program. 
On XXXX/XXXX/XXXX my federal consolidation was finalized. 
On XXXX/XXXX/XXXX my RePaye application was rejected citing to insufficient paperwork to establish income. 
On XXXX/XXXX/XXXX, I called the servicer re : the rejection ; the servicer indicated that after re-review of the documents, the rejection was in error, and that my Re-Paye repayment plan application was correct and would be acted on soon. 
XXXX/XXXX/XXXX, having heard nothing from the servicer, I again inquired about the status of my Re-Paye plan application,. I was told my application was missing paperwork and needed to by updated, the income information had become stale given the time that had now past because of the servicer delays. On XXXX/XXXX/XXXX, I uploaded a copy of my two most recent pay stubs to the servicer 's website. I asked for expedited review. I called twice in the following week, explaining all delays and requesting expedited review of my re-paye application. I was told the repaye application would be expedited and completed the next day. On the next day I called to confirm conpletion and was told it would instead be 1-2 more months for the Re-Paye application to be processed. During this time interest on the unpaid loans has been accruing. Also, my full standard payment is now due XXXX XXXX, XXXX. I have been told that they can not change the due date and they can not add forbearance, because it will cause my re-paye application to be rejected. I ASK THAT MY RE-PAYE APPLICATION BE REVIEWED ASAP, AS IT HAS BEEN WITH THE SERVICER FOR OVER FOUR MONTHS. I ASK THAT IF THEY CAN NOT CALCULATE PAYMENT BEFORE MY LOAN DUE DATE ON XXXX/XXXX/XXXX, THEY CHANGE MY DUE DATE UNTIL LATER IN THE MONTH. There is a huge backlog with the servicer, and many many kinks to be worked out in their system for approving re-paye applications. These administrative failures on the part of my servicer is likely going to cause my loan to default. I can not afford the standard full payment. Please help expedite the Re-Paye approval process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Ballybunion Enterprises, Inc
State: OR
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:
I had an account with freedom furniture that I opened sometime in XXXX for the purchase of a television. I made my payments as scheduled till XXXX of XXXX when I got out of the XXXX and moved XXXX. I made effort to make payment to the company but they where taking payments out of my account that I did not authorize. I had to close my account to keep them from taking money. I ask for a statement which I never received therefore I stopped making payment because they would not provide me with this information. several years went by and i started getting harassing phone calls and emails with threats about payments. I returned an email stating i would make payments of XXXX dollars which they started taking XXXX dollars each month not what was agreed. After a year i asked the company to send me some type of statement showing what I owed on this account ( not provided again ) where I was told I was n't paying enough and my bill was now XXXX payments behind due to not making full payments of {$280.00} which was not agreed to and that i still owe {$24000.00} for a tv but they would make a one time payoff of XXXX. I again asked for some type of paper work and did n't get it. I again had to cancel my card to stop them from billing me this month they called right away and threaten to send me to court again and told me I now owe XXXX if I pay today. I do n't believe there practice is in anyway legal nor ethical is there anything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Coast to Coast Financial Solutions, Inc.
State: AE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a case concerning XXXX XXXX. First, the debt is XXXX, as my account is closed. I still retain online access to my account, and I have a XXXX balance. However, the company reported me to a collection agency, which in turn reported to a credit bureau, thus damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: The Phoenix Recovery Group
State: TX
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 by the Phoenix Group of XXXX XXXX to collect on a debt from over 3 years ago when I broke an apartment lease. I was never sent letters from the apartment detailing this debt prior to being sent to collections. The collector said I owed nearly {$2000.00} in unpaid rent and damages. I updated my address with them but they never sent me anything in the mail to detail the debt, confirm the collection agency, or the notice of right to dispute. One letter was sent to my parents ' house since my father cosigned, but it was just a copy of the bill the apartment complex claimed I needed to pay. When I asked about disputing the claim, they told me this was not possible. They said I had to settle or it would be on my credit forever. They kept adding interest and trying to make it seem like a favor to take it off, although it should n't have been added in the first place. It took months and talking to 3 different people to have them reassess the debt, showing someone moved in much sooner than they said and my debt was only around {$500.00}. When asked to send a letter since I still had n't received one over 6 months since they started calling, they claimed one had been sent although it had n't. I asked them to send another but still never received one. I received a call today from a man saying he was the end of the line ; the apartment needed to know if I was settling or refusing. When I tried explaining I had n't received anything in the mail, the man interrupted me, saying it was clear I was refusing, and hung up. The issue has still not been resolved and is affecting mine and my father 's credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received letter from Collection agency called " Capital Accounts '' and then received a phone call at my workplace. 
I did not receive any letter, bill or any kind of communication from the Dental service provider " XXXX '' since XXXX 2012. The services were rendered in XXXX 2012. I paid over {$1500.00} Cash and rest was supposed to be paid by my insurance. 
According to Capital Accounts I owe them around {$2300.00} According to " XXXX '' I owe them around {$1500.00}. 
Why XXXX XXXX not contacted me ever and I received a sudden letter from collection agency after 45 months. 
I believe that either I do n't owe them anything or XXXX failed to file claim with Insurance Company in timely fashion and now trying to make me pay for their mistake Or there are some kind of fraudulent activities going on somewhere in the pipeline since XXXX Office never contacted me about any Insurance Issue at that time and now 45 months have passed. 
I would appreciate if you can step in and investigate since they are threating to destroy my credit with Credit Bureau. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I 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 30 days gives a reason to immediately remove these items from my credit report it has been over 60 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 may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When we filed our first complaint, we stated that our desired resolution was the return of the fees caused by PNC 's manipulated transactions in addition to any subsequent fees caused by said manipulation. 
They only returned the original fees. Thus our account was still owed {$72.00}. We live pay check to pay check and can not afford these fees. We decided to part ways with PNC, but we went negative by {$9.00}. Had they not stolen the original {$72.00} from us and caused us to be short then applied another {$72.00} in fees, we would have had the money to cover it. What they are doing to us is no less than highway robbery. 
I requested the account be closed immediately. They have ignored me, saying it can not be closed with a negative balance and it continues to accrue fees, which they 've threatened to come after us for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Capital Accounts, LLC
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed the validy of an account listed on my credit report as it 's not mine. I had fraud on my SSN as I had reported to the credit bureaus and they placed a fraud alert on my file. The credit bureau removed the account because it was never validated by the company. Then once the company got notification the account was deleted they reinserted it the same day without my 5 day notification. I disputed this information they sent me copies of medical bills for XXXX people I do n't know who they are. I then filed a complaint with the XXXX case ID XXXX and I just received an email stating that the case will remain unresolved because the company will not cooperate basically and the report will be on their XXXX file for 3 years. Again I state I do n't know anything about this account or people and I need it removed as it is hindering my credit worthiness. The company name is Capital Accounts LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: ZestFinance
State: DE
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a loan and could not repay from Zest Cash. I sent it to a consolidation company that did not receive any information from this company. Zest cash sent this to XXXX XXXX. They told me I would be taken to court and my wages will be garnished for XXXX times the amount. I feel that this is a scam and want to note what I should do because I am afraid to deal with either of these companies at this point.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: SRA Associates, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have made multiple request to SRA Associates to quit contacting us as this is not our debt. This has become borderline harrasment and they are looking for an individual that does not live here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a used vehicle from a dealer now out of business. 18 months after purchase car has complete mechanical failure. I called loan company to surrender vehicle and negotiate settlement on acct after they auction it off. Loan company refused to take possession and abandoned with mechanic. Mechanic is now forced to deal with issue. Fear loan co will put this on me even though I surrendered vehicle to them 3 times in 3 days. I do not deny I will owe monies, but expect loan co to try to recoup what they can from car to reduce amount owed. Fear they will not do this because of the effort involved. Mechanic expressed frustration with loan companies lack of professionalism and ethical mannerism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
An account with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  I showed up on my credit report for an account. I sent a letter via email to the company which the company received XXXX tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  I and the collection agency and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect this debt in my state. I have not heard anything from them this is my forth attempt.This account is still reporting on my credit reports.

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX XXXX  and TransUnion reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2016-12-02
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The doctor messed up when billing the insurance, so they never received payment. Once I was notified, I set up a payment schedule and made payments until the debt was fulfilled. Then years later I find out I have a collection our from them for payments that were already made! What worse is since this was so long ago, I do n't have any documentation and they never provided me with recipes to verify my payments. Also, I believe this was done because I had a terrible experience at the office and posted a bad review online, so they " lost '' my payment to file a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have both Direct and Private loans since I started college back in XXXX when the company was just Sallie Mae. In XXXX when Sallie Mae split into XXXX companies ( Sallie Mae and XXXX ) I was never informed whether that be through email or phone call that my loans will be owed through XXXX separate companies. Due to this fact, I missed payments through XXXX for up to two months. When I was finished college in XXXX, I called Sallie Mae to see what sort of repayment program I could be placed into to help me because at the time I only had a part time job making just over minimum wage. I was placed in the Graduated Repayment Program with an 11.5 % and 8.5 % interest rate and an amount totaling almost {$500.00} plus another {$150.00} for XXXX. I have asked numerous times if there is a program for me to go into that is based on my income and I was flat out told no. My father co-signed my loans and on of of my phone calls when I begged for a better repayment program I was told that my father needs to help me out and I quote " If he loves you enough he will help you for your loans. '' I was completely appalled at this statement from one of the Sallie Mae representatives. Never would I think that it would be ok to tell someone that. I am extremely frustrated, I am behind payments which is ruining my credit and I keep incurring late fees. I 'm not looking for them to forgive my loans, I simply want a more manageable repayment program where I do not spend my entire months paycheck to help pay off my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Be advised that this is the third time I have filed this report and at present received no answer also so you have a problem with your system just last week i talked with XXXX your reps she was going to file for me and I was to send additional items thru the mail which i did heard nothing so i called could not get to my account, after talking with her we quitand i proceeded to try again final got thru to my account and what was there was XX/XX/XXXXnothing new including what was sent thru the mail and to top that off i was told that you allwould send me tracking numbers that never happened so again I will explain what i sent, all XXXX Credit bureaus are reporting what was filed under BK instead of reporting BKwhich we were under the impression that BK was to be the only thing reported instead they are reporting what occurred before BK I have talked with them sent letters to no availthey dont give a XXXX about customers, Having been a Federal Officers and and XXXX Speclist for over 37 years Im beginning to think that CFPB is a joke so what doyou think Im sending this this date of XXXX hoping that somweone in your offices see the light and do some processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I receive a letter from TD Bank stating I was approved for credit, than I went into TD bank XXXX time filled out more paper work and at that time there was no problem. About XXXX week later I receive a letter from them stating unable to extend credit to you at this time for the following reasons Requested Conditions of approval not metI fill out all the paperwork that was giving to me by the Manger XXXX XXXX she tired to explain the letter to me at the best of her knowledge, Couldn, t give me a direct reason why I was denied, I felt discriminated against by TD bank underwriter, s XXXX XXXX, she never call me and never left no messages on my phone, I got her information from the Manger XXXX XXXX and I have called XXXX XXXX XXXX and only spoken to her XXXX time, then I email the manger and told her what I have done, the other underwriting XXXX XXXX XXXX never made contact with me at all. XXXX XXXX was very Unprofessional i felt she could have call me or email me they have all my information, then she makes the XXXX decision to denied me a loan and not give me a good reason Why. XXXX I get letter saying that I was approve and than I get a letter saying that i, m denied after XXXX week. I fill like they are playing with peoples emotions and this is not right at all My Credits scores are XXXX XXXX XXXX not the best and not bad.i will greatly appreciate if any thing can be done about this matter Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Navient Solutions, LLC.
State: IL
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 went to XXXX college in XXXX and took out loans with sallie mae. I was never late on a payment or had any issues with them. Now that Navient took over it has been a headache. They send XXXX letters and bills a month you call and talk to someone they always say things are ok with the account, but then i get calls saying its late and is going to be reported. I call and set up a auto pay from my account and then call and say that it was n't taken out even though i prove that it was. Then they say well this must be a new loan and you have to pay. Then another person tells you that im up to date. Then i get XXXX different bills adding up to {$800.00} a month i call and talk with someone they say they do n't see that. My credit is going to get ruined because this company took over my loans and you ca n't get a straight answer.

Company response to consumer: Closed with explanation