BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: Dominion Law Associates, P.L.L.C.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled in full with XXXX XXXX in XXXX 2013, I paid XXXX to settle, they said ok. Next thing I know some collection agency has a judgement against and calls my house on a daily basis!! This was settled in full, I paid more than XXXX % of the debt, I broke my foot and was not insured, I did not ask for that!! I am single mom trying to make ends meet, and the collection agency keeps saying they have lean against my house, when the balance after I paid the Settlement was XXXX dollars. I do n't understand how they can ruin my life like that! Dominion Law & Associates at XXXX ... I want that judgement removed and for them not to call me ever again! they claiming thousands of dollars even though I settle in full!! I do n't understand that!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24
Company: PASCO, Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CELCO has started to harass me with letters and phonecalls after I already paid my debt, I called them and I said that the debt has already been paid, then they sent me a letter in the mail stating " based on your phone call and your promise to pay '', while I have already paid. They still send me mail, even though I called XXXX which confirmed that I no longer have a debt since I paid my debt in full. 
In addition, during my phonecall with them today, she inquired about CELCO 's fees despite my repeated attempts to prove to her that I had paid. I have also informed them that will file a complaint due to the excessive amount of stress I was subject to, despite having paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
First off, thank you so much for helping me. My Cell is XXXX I have a pre-trial appointment XXXX/XXXX/2015 @ XXXX XXXX XXXX XXXX XXXX XXXX. I would have gladly settled or paid this debt if it were mine..i swear on my life. The original creditor XXXX XXXX ( i currently have XXXX credit card from them in excellent standing ) & i had never done business until 24-36 months ago, when i first obtained a credit card from them. My legal name is on everything i own, owe on, etc. as XXXX XXXX XXXX. My closest friends call me XXXX, not XXXX & i never lived at the XXXX address this account was associated with. I am being threatened by this outfit & the lawyers of XXXX XXXX, XXXX XXXX XXXX XXXX. I have had to use pto days off & pay {$65.00} dollars to file, certified letters to attorneys, for a debt i do not owe. Sorry for complaining, i try to keep in mind my blessings each & every day, but how they are doing me is wrong. I will gladly pay whatever is mine, but this is not only not my debt, it was from 10 years ago. Thanks so much & please tell me what i should do next. 
-- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A Tax lien that has been paid and satisfied had not been removed from my report it is Equifax is XXXX months delinquent ... I was sent an email stating this would be purged XX/XX/XXXX the email is dated XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payments were paid to XXXX funds, and my loan was sent to collections anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off all my credit cards and car loan and my credit score still has all full balances and has not updated since XX/XX/XXXX. This is keeping me from qualifying for a home loan. Can someone please help me on getting my credit updated?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Over the last 5 months I have faxed loan deferrment and cancellation forms Campus Partners. Each time I have faxed, I 've recieved conformation that the documents have been recieved, but according to them, they have not recieved the paperwork, despite faxing from my jod, XXXX AND XXXX XXXX. Each time I 've called, I gotten different information from different customer service agents. As a result, I now have a poor credit score and can not buy a larger home to better accommodate my XXXX mother who lives with me. 

Campus Partners is poorly organized and has no system for managing recieved paperwork and paymenys. 

I work hard to maintain a great credit rating and pay my school loans on time ... {$470.00} each month. Thanks to Campus Partners, I now have a default for {$160.00} on my credit report. If I could sue them, I would. 

I 've since called them today and now they need something else. 

THIS COMPANY SHOULD BE PERMANENTLY CLOSED!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am being asked security questions so that the credit reporting companies can verify my identity and none of the questions pertain to me! For example, XXXX question asked me to verify a prior telephone number, none of the choices were ever my number, XXXX question asks about a mortgage taken out in 2010 and what finance company I used, I did n't take out any mortgages in 2010 so my answer was none, another question asked what XXXX I formerly lived in, I did not live in any of choices given, my answer was none, so they could not verify it was me! I do n't know what to do, can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For several months I 've received phone calls ( voicemail messages ) from Transworld Systems , Inc. requesting that I return the call to a person ( the name changes periodically ) to discuss payment on a debt that I owe. 

I keep up with my outstanding debts and I do not owe anything that a collection agency would be calling me about. I researched the company online and have found there are numerous complaints about the company and the tactics used in an attempt to collect outstanding debt. 

The phone number being called is a residential landline phone. Perhaps the person having this phone number prior to me has outstanding debt, but I do not. Also I purchased my house in 2010 through a foreclosure proceeding, and I suspect the person who owned the home prior to me has financial problems based on the financial transactions posted to the county Recorder 's office prior to the foreclosure and the continued mailings I receive in that person 's name that run the gambit from attempting to collect money owed to offers for vacation giveaways to gambling casino resorts. I also receive mail in the wife 's name and a son 's name that show they have continued to use this address ( now my address ). 

Based on the online testimonies of all those who write about this company I will not be calling this company back to inquire or set the record straight at any time in the future. It appears from the details of the writers any attempt would be useless and only empower the bullying tactics of the company. I would like the phone calls received 2-3 times per week to stop, however.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: AES/PHEAA
State: NM
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 had a private student loan with your company since XX/XX/XXXX and for 7 years, never had a late payment. I recently discovered that I had a 30 day late mark for my XX/XX/XXXX payment. I also received a collection notice from XXXX XXXX for the entire balance of my loan. My mother has had these payments for this particular loan since it originated and from what I understand, the loan was on autopay. My mother, XXXX XXXX XXXX, was able to get the balance on the co-signed loan up to date in XX/XX/XXXX but not without consequence. My mother 's and my credit report and score suffered significant damage from this negative remark due to the late payment. 
What I am asking of your company is to consider our prior history of on time payments and remove the negative remark on both of our reports across each of the three major credit bureaus ( XXXX, XXXX and XXXX ). My credit score dropped about XXXX points and I make it a point to ensure my payments on time. Part of my good faith effort to reconcile this issue is to update my contact with our company so I may be able to monitor this account more closely in case my mother is not able to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV
Product: Payday loan
Issue: Can't contact lender

Complaint:
Cash Central Pay Day Lenders obtained a Hard Inquire from XXXX XXXX XXXX which had damaged my credit scores and had damaged my financial needs to obtain a loan from other financial lenders. Cash Central informed me on XXXX/XXXX/2015 that although my credit score from XXXX ( XXXX ) is good my application is not accepted for a short term loan. Previously, Cash Central stated that they NEVER obtained a Credit Score directly from XXXX but records found in my credit reports indicates that Cash Central obtained a Hard Inquire from XXXX XXXX , XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I took a loan out through sallie Mae in 2011 and have yet to pay off a {$2500.00} loan. They keep hiking interest rates and late fees and I 'm very sick of it. I ca n't afford it. Then they call my number all the time when I 'm maybe two days late and wo n't stop until they 're payment is processed and that 's not short timing by no means. It 's harassment. I encourage people to not go to college. It 's a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Sallie Mae is a terrible lender. Average wait time on phone calls are XXXX45 minutes, once the call is answered, you are continuously placed on hold. I needed a simple payoff letter on XXXX loans and it took me 7 days for them to only get the XXXX, then it took XXXX additional phone calls to get the other XXXX completed. I spoke with about XXXX different departments (? ) the expediting dept. said it would take XXXX72 hours to produce ( SOME EXPEDITING!! ), As I write this, I have been on hold for 35 minutes. Too many departments, too many workers and too much ineptness. I am glad I am paying this off because their poor practices scare me!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, I contacted Bayview via fax and notified them that the loan for which it claims to be servicer was cancelled by written notice mailed to XXXX XXXX XXXX at least as early as XXXX XXXX, XXXX pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX that same letter, I asked Bayview to not contact me again regarding the loan at issue. Since that time Bayview has repeatedly contacted me falsely claiming that I have " requested to be reviewed for a mortgage loan modification. '' I have attached a small sample of the letters Bayview sent after I asked them not to contact me dated ; XXXX XXXX, XXXX ( XXXXXXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX, XXXX XXXX XXXX ). These represent but a few of the harassing contacts and the frequency of the dates are a clear indication of the harassment. On XXXX XXXX, XXXX, Bayview sent a representative to my home claiming that Bayview had not heard from me and that Bayview believed that I had abandoned my property. 

Meanwhile, there is another party who has filed a foreclosure action on the very same loan in state court. 

Bayview 's contacts are harassing, and I have already notified it that the mortgage loan at issue was cancelled at least as early as XXXX pursuant to XXXX XXXX XXXX yet it has been months since that notification, and Bayview has provided no response whatsoever. It simply continues to send me modification packages falsely claiming I have requested those packages when I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: SLM CORPORATION
State: LA
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 am a XXXX returning to college. I am waiting to see what my federal loans will be for this semester. My family and I have been harrassed with insessant phone calls by Sallie Mae to begin making monthly payments, starting at {$420.00}. I am employed part-time and can not afford this. When I expressed that I could n't afford monthly payments, they offered defferement for {$100.00}. When the agreed date for the payment passed, they claimed they did not recieve the payment. I now owe {$100.00} plus the $ XXXX monthly payment to be allowed defferment again. I can not afford to pay this. Speaking on the phone again, they threatened to take the loan to their collections agency. They resorted to using scare tactics in telling me they dont know how I 'll get more loans for school once they report me. They expressed they did not care if it threatened my future academic career. They are unwilling to work with me so I can continue my education. The original loan amount from Sallie Mae was XXXX. With interest, it is exceeding XXXX. I need help addressing this debt and with negotiating fair and just payment options with this loan while I have extremely low income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a notification XX/XX/XXXX from a financial services company ( XXXX ) that my credit score was reduced 10 points because : I applied for a reduction ( refinancing ) in my VA mortgage interest rate in XXXX, 2020 which was granted and greatly improved my financial condition. Since a credit report was not required for a VA refinancing, and my 10 point reduction took place two months after the refinancing was complete, I was told that the reason for the reduction was because I added a new account to my report. If anything, my credit report should have improved.

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 2015-06-02
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
As of the end of this summer, I will have been a graduate student at XXXX University in XXXX, Georgia. I have applied for a SallieMae loan most of the semesters that I have been attending there, and every time that I have, SallieMae has approved my loan without any strings attached. But suddenly, and for the first time, they are requiring me to get a cosigner to acquire a loan. There is nothing in my credit history over the last half year that would even suggest that I have suddenly failed to meet the standards required to receive a loan.

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: First Direct Lending, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I was considering refinancing my home and entered my information online to have various mortgage companies contact me. One that did was First Direct Lending in XXXX, CA. When they called, I spoke to a person named XXXX XXXX While attempting to get the rates I would qualify for, XXXX said the only way that he could provide those rates was to do a " soft credit '' check with XXXX credit bureau. I inquired as to what that is and how it would affect my credit score ; he said it would not affect it because it is treated as an " inquiry. '' Therefore, the only way for me to get this rate was allow XXXX to do the " soft check. '' After receiving the rate, I told XXXX I would think about it and that was the end of my contact with XXXX and First Direct Lending. 
ON XXXX/XXXX/2015, I received a letter dated XXXX/XXXX/2015 titled " Statement of Credit Denial, Termination, or Withdrawal. '' I did not understand why I received this letter because I did not apply for credit or the mortgage loan ; again, it was only a " soft check '' per XXXX. 
I have called XXXX at First Direct Lending several times without a response back. On XXXX/XXXX/2015, I spoke to the receptionist and told her my situation and that XXXX was not returning my calls. She then transferred me to a person named XXXX. I also left a voicemail and never received a response. 
I am concerned for a number of reasons with the first being the damage to my credit score because of the denial of credit that I never applied for to begin with. Second, is the fact that I was lied to about the " soft check '' by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to complete a loan modification with my lender for 2 years and am continually lied too. They send me a letter, emails, and verify by phone that all the information has been received and under review and then a few days to weeks later I get a call that the information is not complete and I get denied. I have gone through this at least 3 times with the latest being today. I received a letter of denial because they claim the documents are not complete after I have received a letter stating it has all been received. Then I get a call from a new account manager telling me it is not and is completely unaware that the letter has been received. I respond to that via phone and the new account manager looks at the received documents and tells me it was his oversight and that they have what they need. About 5 days later I get another call from another account manager that is supposedly helping my account manager and he tells me that they need more documents, newer versions of what I already sent them because they took too long to review them. So, I submit them again and receive an email confirming they are received. 
Today I get the letter that states otherwise. I keep getting lied to and have done some research on my lender and this is business as usual for them. I need someone to intervene and keep them honest and force then to do what the government has put into place. I am convinced they are are more concerned with forcing me out of my home than working to keep me in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have not received my debit card or checks for my Health Savings Account ( HSA ) from the financial institution, Webster Bank. I 've made XXXX calls to Webster Bank customer service at XXXX confirming my correct mailing address each time and requesting resolution. Still no card. My office called and no resolution. ( I 'm receiving monthly HSA account statements from Webster Bank and all other mail at same address. ) I have a locked mailbox, and have checked with my apartment 's main office, which confirmed they 've received nothing for me from Webster Bank. Contact log with Webster Bank customer service : XXXX/XXXX/2016 : Debit card supposedly mailed XXXX/XXXX/2016. Never received. Confirmed mailing address on file as correct. 
XXXX/XXXX/2016 : Debit card reordered. I was told it would arrive XXXX to 14 business days. Confirmed again my correct mailing address. 
XXXX/XXXX/2016 : I was told debit card was mailed on XXXX/XXXX/2016. Confirmed a third time my correct mailing address. 
XXXX/XXXX/2016 : I was told checks in lieu of debit card would be sent overnight to my correct address. Never received. 
XXXX/XXXX/2016 : My office benefits manager called Webster Bank 's business customer service line and was told nothing further could be done. 
Meanwhile, my prescriptions have all run out, and I have health provider balances I ca n't pay because Webster Bank ca n't seem to provide basic banking services.

Company response to consumer: Closed with explanation