BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: National Arbitration Forum
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted by an Investigator XXXX of the XXXX working with the XXXX County Sheriff 's Dept trying to find me to deliver a court summons for fraud and they left a phone number for the company that was trying to reach me, not to reach the investigator. I contacted the company XXXX XXXX XXXX XXXX ) and they said I have a pay day loan outstanding that went fraudulent back in 2013. I had an ex boyfriend who was using my information to get pay day loans before so I figured this was just another one. I 'm trying to fix my credit so I just pay them when they come up now. But they wanted my bank/credit card information. I said I 'd rather get a pre-paid card and give them that information for payments. I called back and gave her the prepaid card information and she sent me an email with the break down of the payment arrangements I 'd made. It was then that I realized a couple of things. It is illegal for a debt collector to collect, or attempt to collect, on a payday loan in New York State. Also, she sent me a generic word document as the payment arrangement document. Also, the email address she sent the payment arrangement from is a gmail account. Most companies do n't use gmail accounts. Also, I looked up the company name and it has been reported by other people online for being a scam/fraudulent. I have her email and I have payments set up to be made but no payments were ever actually made to the company.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX has been charging my account with a " Debt Protection '' fee I never even signedfor. I have been a card holder since XX/XX/XXXX, and was shocked that XXXX would allow these unauthorized charges on my account. Today, i called the XXXX provided on my statement, and neither XXXX of the XXXX representatives i spoke to could give me a confirmation, proof, anything, of how i was being charged for this " optional service fee ''. I asked for cancellation right away, and they could not even give me a confirmation # for that. A girl named XXXX, who was the XXXX XXXX i spoke to, mentioned it was an optional service and that i was somehow signed up since XX/XX/XXXX!!! She tried to explain the " benefit '' of the service, but i was clueless as i have never, nor will ever, even consider such an option to begin with. She stated she would transfer me to another line to cancel, which i was redirected to a guy named XXXX, XXXX. He could not give me any direct answers on how this service was authorized, and mentioned he would cancel it today ( XX/XX/XXXX ), and that i would be " REFUNDED '' any charges dating back to XX/XX/XXXX. He mentioned within 30 days, i would receive a letter, or that the refund should show up on my XXXX account, if not, to call back and speak to a rep again. I purchased a washer and dryer last year On XXXX XXXX, for my new home, and since then, for every month, they have been charging this fee. It started with a " debt protection '' fee of {$20.00}, and has gone up EVERY MONTH since now to {$59.00}!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i financed a vehicle in XX/XX/XXXX it was totaled in a car accident the finance company put it as a collection charge off closed Derogatory XX/XX/XXXX the dealers insurance where i bought the vehicle was supposed to pay the gap payment that was left after my insurance company paid off the car and as it being put on my report as derogatory its the same as if it was repossesed and it wasnt it was paid now its ruining my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored every time I reached out. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the fair credit reporting act. This is not right and I am now getting impatient because I feel like I am getting taken advantage of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12
Company: On-Site Manager, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I just got my report and it says I have an record for forgery several times, and that I have a aka of XXXX XXXX. This is not me. 
1st I was XXXX years old and still in XXXX, Living with my parents in XXXX and XXXX. 
2nd in XXXX I was in XXXX in XXXX, XXXX. 
3rd I have never lived in XXXX or anywhere close to there. 
Last I have a middle name XXXX or an XXXX. in my name. Although I understand there can be a XXXX XXXX with the same birth date, It is highly unlikely. not to mention but, we would not have the same social security number. 
If we do have the same number, I am reporting this forger has stolen my information considering this XXXX XXXX is a forger. Can you please verify this is not me Please. 
Thank You, XXXX XXXX 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 2016-02-25
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I currently have a lawsuit pending with Midland Funding/ XXXX XXXX in which they are trying to collect almost double the amount that would have been due to the original creditor. Additionally, they have submitted documentation such as general bills of sale, computer generated account information, robo signed affidavits, etc. These are violations that they were just recently cited for in the CFPB consent order. They have provided no actual business records and the information that they have provided is generally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account at Bank of America. I unexpectedly had XXXX charges put through which overdrafted my account. But I covered them within hours with a transfer of {$100.00} from another account, plus a cash deposit at the bank 's ATM of {$60.00}. But the bank still put through XXXX {$35.00} overdraft fees. This resulted in a negative balance again because the bank rearranged the charges to my account from high to low and I accidentally paid for a coupon to fill a prescription drug on a website called XXXX XXXX. The website automatically stores credit and debit card numbers and I accidentally hit the debit card number to my checking account and a {$28.00} charge was put through my account which overdrew the account even more I do n't have any more money to bring my account back to positive territory. I will be getting an extended negative account balance charge in five days that I wo n't be able to cover. I called customer service at the bank to ask them to remove the overdraft fees because I had covered them within hours. They were very cold and cruel and refused. 

I have no money to buy food or pay for my prescription medications. Please help me. I am living on Social Security XXXX and have a XXXX illness.

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 monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian, XXXX, and XXXX is reporting an account which does not belong to me with XXXX XXXX XXXX for {$66.00}. I have never had an account with this firm. The credit reporting brokers have not removed the account despite my disputing it. THIS CAUSED A Major drop in my credit score rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have told them repeatedly NOT to change my repayment plan and they did so, purposely resetting the repayment terms AGAINST my will. They have continually changed the repayment amounts and put in me into a payment plan I ca n't afford. I was told that it would be $ XXXX/month and now it 's over $ XXXX/month and I am unemployed and not receiving any unemployment assistance at all. I have been unable to find a job for six months and have not been able to make a single payment of the same amount for three months in a row without them changing the terms, repayment plan, or repayment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: DriveTime
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with a representative of this company and I was promised that the inquiries made on my credit reports would be removed from my credit reports from 2021. This company never honored their word and removed the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased an auto in 2007 from a local dealer who finance using Drive Financial who later changed to Santander Consumer USA. I have still not received my lien free title and on top of that after deferring several times payments my credit reports shows various incorrect reporting issues. I am still trying to get them to clean up this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I was recently denied credit for a HELOC by TD Bank and per the Free Credit Reporting Act understood I can request a copy of the credit report the bank used to make their decision. TD Bank has indicated they can not provide the requested copy and referred me to the credit report agency. In order to address any issues made evident in the credit report they received, I need to review that report as a copy received in the future may differ. Several requests have been made to no avail. However they have provided a summary document of the FCRA, but on pages 61-65 the Act addresses receipt of the documents when requested. Please let me know if you would like copies of their emails. I do n't understand why TD Bank is making this such a difficult process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: NH
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:
My employer sent a check to the address provided by Navient, the servicing company of my loan, back in XX/XX/XXXX. I know the check was cashed because the money was withdrawn from my employer 's bank account. However, the money was never credited towards the balance of my loan. My HR rep and myself have called Navient quite a few times. The last person I talked to said she had no way of knowing if the check was cashed or where the money was, but suggested it might be sitting in a federal reserve account for lost money. She said that it was really the Department of Education 's problem at any rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-01
Company: Lazega & Johanson LLC
State: GA
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:
A law firm representing my HOA Association keeps giving me different balances in order to settle my account. They first quoted an amount of {$5700.00} in order to settle the account. Then they quoted {$7500.00} because they thought I did not remember the original amount so they transposed the numbers. Then, they quoted {$8000.00} as a reasonable offer.Then the attorney sent me an email quoting {$10000.00} approximately as a final offer. Then I spoke to an associate and she quoted $ XXXX then {$10000.00}. Then she sent me an email stating they want approximately $ XXXX to settle the account. I have the emails, but I could not attach them. Incan forward them to your email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been a subscriber to the XXXX, Experian, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, Experian, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, Experian, and XXXX   consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new  OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, Experian, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) Experian [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I should qualify for the Public Service Loan Forgiveness program but I do not because Navient ( then XXXX ) only gave me the option of consolidating my loan as a FFELP consolidation, which does not qualify for the PSLF program. That was in 2008. Two years later, I contacted XXXX to inquire about re-consolidating my loans and was told that re-consolidation was not possible. Apparently, that was false since I could have consolidated under Direct Consolidation, which would have qualified me for the PSLF program. After reading articles in the XXXX and stories by other borrowers posted on the CFPB website, I now suspect that Navient coerced borrowers into consolidations that they knew did not qualify for loan forgiveness programs as a way of extending the life of their loan portfolio and continuing to collect interest on those loans beyond the 120 payments required for the PSLF program. I ask that CFPB investigate whether Navient did this, and if so that CFPB add this complaint to their recently filed lawsuit against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: TENET HEALTHCARE CORPORATION
State: AL
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 company contacted my mothers employer, my mothers personal phone and cell phone, contacted my girlfriend. When I asked what this was about they refused to tell me what debt they were collecting on, I never received notice by mail, and they were very belligerent and rude to me, threatening litigation without informing me personally of where the debt originated from. Now I have negative remarks on my credit report, I disputed them, and they denied my disputes, and disputed back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: GA
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:
Company- EXPERIAN ; Called and was stated to file complaint with FTC .

Fraudulent Inquiries : -XXXX XXXX  XX/XX/2022 -XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My ex wife purchased a car and it was financed by Santander which at the time of purchase Gap insurance was also purchased. There should be no balance left is which why consumers purchase gap coverage. I have disputed this account and requesting full validation and verification regarding this issue. Please help assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Receivable Solutions Specialist, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX or XX/XX/XXXX, I received a collections call from Receivable Solutions out of XXXX, XXXX regarding a medical bill. As I have had health insurance my entire life and there was no reason I should be receiving a bill ( co-pay was made at the time of service ), I contacted my insurance carrier to clarify. XXXX XXXX XXXX XXXX XXXX XXXX informed me that a medical provider from XXXX XXXX XXXX failed to timely bill my insurance for services and that the provider could not bill me for the service under the terms of their contract with XXXX. I relayed this information to the debt collector who understood and ceased attempting to contact me. Many years later ( coincidentally, after the statue for any fair debt collection action I may have against them ran ), they began periodically contacting me again and the debt continues to be reported to the credit bureaus. Because they have documented ownership of the debt, the bureaus will not remove the collection. I assume they do nothing to investigate my claims that the original debt is invalid. This company is unlawfully attempting to collect a debt against the terms of their contract with my previous insurer.

Company response to consumer: Closed with non-monetary relief