BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-27
Company: DFC Global Corp.
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I obtained a pay day loan from XXXX/XXXX/XXXX from Money Mart. The online application asked how often I was paid to indicate my repayment date. My next payday was XXXX/XXXX/XXXX and money mart pulled the funds from my account on XXXX/XXXX/XXXX causing XXXX overdraft charges in the amount of {$70.00} total and return check fees on my money mart account. I have since had that payment reversed as I should not be impacted as a consumer because there is a glitch in their system. I spoke to Money Mart 's online department many times and requested for a supervisor to return my call. I have yet to hear from a supervisor. I have received mutiple autodialer calls from money mart daily from multiple phone numbers to collect the debt. I have let Money Mart know my intention to file claim with CFPB and requested no additional autodialer calls and I was told I would have to send cease & desist to their support department. I advised that I wanted my cell consent to be removed and they declined to stop the calls. I have answered some of the calls requesting to speak to a supervisor and have been sent to a line that just rings and rings. My account has been documented by the online department of my dispute and that this was a glitch in their system that it still processed my repayment without recognizing my next paydate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30
Company: Pioneer Capital Solutions Inc
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We rented an apartment from XXXX XXXX and now have a line on our credit report showing " Collection/Attorneys Fees '' As far as we knew we had all of our rent paid, and cleaned the apartment to what they wanted before moving out and notified them of any damages while living there. We now have a debt in collections against my credit in the amount of {$490.00} against both of us. We were never notified we had outstanding fees, missing rent, or any notice of action against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
my car was repossessed while i was in forbearance with nissan motor acceptance. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XX/XX/XXXX ( XXXX payments left ). i lost my job while XXXX and notified nissan immediately. no repossession fees and interest fees from XX/XX/XXXX have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: General Motors Financial Company, Inc.
State: WI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am 3/4 of a month behind and GM Financial is calling me about 4 times a day ... all different times. I have the info stored on my phone. They are calling me while I 'm at work and can not answer. They are blowing up my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX/2017 I was charged {$41.00} for my XXXX XXXX XXXX  gym membership. The debit should not be automatic, the amount should be {$40.00}, and the debit should take place on the XXXX of the month, but not at all because I manually pay in person.

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 2016-11-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is an incredibly long story that I am happy to share in full via telephone, but due to cognitive disorders typing is a very long process for me. Basically, I sold an item on Ebay ( eBay item # XXXX ) last month ( XXXX XXXX, 2016 ), Ebay said the item was paid for the next day, so I shipped it, but never received the money via Paypal, which was how the funds were supposed to be transferred. The money was transferred from Paypal back to the buyer, who was refunded in full. Paypal and Ebay, after numerous phone calls to both companies, both refuse to help me by claiming it is entirely the other company 's fault and there is nothing they can do. In my last call with paypal, a senior manager suggested i simply chalk up my loss as the cost of doing business ; in my last call with Ebay just now, they said I should file an internet fraud cast against the buyer! While this lack of payment is in no way the buyer 's fault, the buyer has ceased responding to me as of a couple weeks ago, which means I can no longer resolve this matter seller-to-buyer directly. What do I do? Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX my vehicle was involved in an accident. I notified Credit Acceptance of this and continued to check back in with them to keep them updated on the situation. I received a call on XXXX XXXX from Credit Acceptance and they requested payment which was not due to XXXX plus towing fees because they stated I abandon the vehicle, therefore they went and got it and charged me with the fees. First, I never abandon the vehicle I have a paper trial with the company from the day that this begin and has informed them of every action that I am taking. For the last month they have stated that because I " abandon '' the vehicle and they are the lien holder, they went in got the vehicle from towing yard because the vehicle was incurring fees by sitting in the yard, I was aware of that, I called them and told them that. I spoke with several agent about this issue and they all reviewed the notes and agreed that is why they picked up the vehicle, around XXXX XXXX I Spoke with a agent by the name of XXXX and she stated to me that someone at their company went in and place the abandon status on the vehicle and that is what cause them to tow the vehicle. That is what concerns me the most, Each time that I have reached out to them about this issue, Credit Acceptance has given me the run around and I am exhausted from dealing with this, Please assist me with issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: FORD MOTOR CREDIT CO.
State: NJ
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 was scammed  by Ford Motor Credit.  aprox  XXXX  of  XXXX  I received a call from them. I had been late on payment ( due t o 7 hospital v isits ) The woman asked why I was late. I explained as above. She said " you need to avoid a repossession or a charge off ''. I agreed. My regular payments were a little high due to medical bills. She said how much can you afford. I said if you could cut payment to {$200.00} a month, I could clear up medical bills and never be late payin g Ford ag ain. After she put me on hold, she came back on the phone and said " OK ''.     Upon checking my credit rep orts ( one tra de ine attached ) I noticed the account was listed as a charge off. I was floored and calle d Ford. After lot s of " run arounds '' I was told the first story that I agreed to a charge off. That is a lie. I wuld never ever do that esp. with small amount owed and it is a secure lo an (   XXXX   XXXX  truck ) to which they have title. I was getting no where with these people every time I called. Now on my latest call of mayb e two weeks ago , I was told the account was charged off BEFORE THE FIRST CALL FR OM FORD CREDIT.  What????? First off they would have repossessed the vehicle as it is worth {$15000.00}. That did not happen. I still have the vehicle and have never missed a payment since that first conversation in  XXXX   XXXX . I have attaches some statements.         Ford credits improper listing this account as a charge off caused me to be turned down by a car dealer and I can show you the inquiry if you like. They are killing my credit score. Ford is clearly breaking the FCRA and the FDCPA and in doing so continue to do great financial harm to me. I really need your organization to step in and make Ford correct this outright scam. It is my thinking they did this whole thing to gain from tax codes and possibly insurance on the account.
Please help me as I have written the credit bureaus and got nowhere. I gave attached proof Ford is receiving {$200.00}. a moth without fail.        XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: EQUIFAX, INC.
State: VA
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:
There are several inquiries on my Equifax report that I do not recognize. I contacted Equifax directly and spoke to a rep named  XXXX  who advised me to file a complaint and once it was received by Equifax my inquiries would be deleted. The inquiries are as follows :   XXXX   XXXX  .  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX  .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  &  XXXX  Please remove these inquires immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2017-05-13
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I mobile deposited a check from   XXXX   XXXX   dealership for  XXXX . The check was deposited in my account on  XXXX / XXXX /  XXXX  . The check was drawn on   XXXX   XXXX   of   XXXX    va. The check was then withdrawn from my Pentagon federal credit union account on  XXXX / XXXX /  XXXX   for duplicate deposit. I 've contacted both banks and the issuer and keep getting the run around. The check was apparently deposited in  XXXX  accounts. My car was stolen and the check was in my vehicle glove box at the time of the theft. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account twice and requested validation not verification of this account. I just keep receiving a bill with my name and balanced owed. I have no knowledge of this account and requested my signature on documents that obligates me to pay the bill. I also requested delinquency date for this account as it has bee n RE  AGED several times without notice to me. Im requesting that they send me the requested information or delete the account from all  XXXX  credit bureaus immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When my husband and I attempted to apply for a mortgage, I found out that there is a  Sears cr edit card on my credit report. The card was opened on  XXXX / XXXX / XXXX . The amount owed on the card is in excess of {$9000.00} and the last payment was made on  XXXX   XXXX   XXXX . I do not own this card and I did not make that payment.

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 2015-11-11
Company: High Point Asset Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
receiving calls at my place of employment. had my husband call to request the name of the company and request calls to stop. the name of the company given by the person who answered the phone can not be found via internet search. I believe this may be the same company that my husband filed another complaint against due to repeated and threatening calls to our home.. they said the name of the company was High Point Access XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am filing this complaint against TransUnion. I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: EQUIFAX, INC.
State: MO
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:
I am filing this complaint against  XXXX . I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the course of the loan which has been o ver ten years  customer service only give information about deferment and forbearance. I found out about income base repayment plans from a coworker. I have been a   XXXX   XXXX  in  XXXX   XXXX   for over  tw  enty years and no one ever told me about the student loan forgiveness program until I learned about it two years ago from a  coworker.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: ISIS SECURITY INFORMATION SYSTEMS INC.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the arrogance that I have been subjected to since trying to dispute this error. I included the proof of insurance in the correspondence dated XXXX/XXXX/2016. Make no mistake I will also be notifying Medicare regulations and XXXX XXXX about this matter. I am enclosing proof of insurance again. This is the response for Universal Collections. CFPB needs to be aware of this. Universal as usual is so busy being arrogant I guess they did not notice my proof that was sent by CFPB. Universal also seems to be unaware that the consumer has the right to request validation. 
" Response Dear XXXX XXXX, Your request for validation of the claim is curious. First you have 45 days to request validation once a letter is mailed to you. That time had passed by about 5 years once we received your validation request. But your validation request seems irrelevant since you are already acknowledging the validity of the claim. 
I will reiterate once again that if you had Medical Assistance at the time medical services were rendered, please simply provide proof of that insurance at the date of service and we will immediately expunge this record from all credit bureau files. It is really just that simple '' I have the right to request validation at any time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
several times I have made an attempt to resolve the issue that I was having with  NELNET  to no avail. this is about the third or fourth complaint that I have submitted and they purposely and continually refuse to acknowledge my request. recently I received an alert on my phone from privacy Guard letting me know that an account has been added to my credit profile through   XXXX   this was  XXXX / XXXX /  XXXX   so when I check it I see where an new account has been added by NELNET. They have re-aged an old account so it appears. I called  XXXX  the following day asking how can they allow these accounts to added to my credit profile while I have an fraud alert and an identity theft report concerning my credit profile but the woman stated it was n't appearing on their but I know that was false because it appears on my phone and my   credit score   has drop tremendously because of it. They have purposely and continually to violate the FCRA and the FDCPA. I recently been doing some studying about their closing ; so how is it are there continually to collect on student loans and thy are no longer open. I will be filling a suit in small claims if they refuse to verify and validate the debt but continue to report it on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Today at XXXX, I received a call from a XXXX XXXX with Professional Debt Mediation out of XXXX XXXX FL ( XXXX ), for an apartment lease deficiency. I do not dispute this debt, however, I have never been sent anything in writing regarding this debt and giving me 30 days to dispute said debt. I indicated as much to XXXX XXXX on the phone and she did not say I would be receiving or should have received a notice in writing. She asked for a financial commitment to pay the debt and I informed her that at this time, neither myself, nor my husband are working so I could not give her a financial commitment. I asked her again at that time, to please send communication through the mail because to call me is fruitless because I currently have no way of paying her. She proceeded to inform me that the company could take legal action against me, which I am well aware of and I told her I understood. She asked again for a commitment to pay the debt. I again informed her that I could not commit to pay the debt, as I have no income to do so. She asked me if neither my husband nor myself were working, how were we paying our bills?. I told her, very politely, that it was not her concern and started to tell her that I intend to pay the debt but before I could do so, she yelled at me that it WAS her concern how I was paying my bills because her client is entitled to receive their money and it IS her business to know how I am paying my bills. All the while she was screaming at me, I was attempting to tell her that I was not trying to be rude and that I was well aware of the consequences of me not paying the debt but I could not help her, since I have no income. She was still screaming at me while I was attempting to tell her this and said FINE, I CAN NOT HELP YOU! and hung up on me. I have been a XXXX since 2003, specifically working as a XXXX. Currently, I am in school to finish my XXXX. I KNOW that how I pay my bills is none of their business and when I went to assert this fact, I was berated and screamed at like a piece of trash. As of this date, I will be keeping a log of the calls made to me ( she called my husband at XXXX today, as this is a joint debt ) and the things said if I am again treated the way I was today. I know that debt collectors do not have to be all sweetness and light, however, they do have to be professional.

Company response to consumer: Closed with explanation