BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is an Identity Theft reporting issue about CREDIT REPORTING AGENCIES ( CRA ). In particular, XXXX of XXXX Texas and their ID Theft supervisor, XXXX at ext. XXXX. 
I spoke with a XXXX credit Dispute Identity Theft supervisor named XXXX in early XXXX XXXX. My concern was as a victim of I D Theft, there should be a FCRA block under sec XXXX to allow victims the right to rebuild their credit. I had XXXX item in public records that was negative : and due for removal XXXX XXXX XXXX, and despite all efforts is still there. as is the other Judgement ( not mine ) in my name while and Identified by XXXX ereports as IDdentity theft, see attached and should be blocked under FCRA Sec. XXXX. 
XXXX supervisor XXXX stated I should pay a lawyer to remove filing by vacating it. That cost too much money & I was an Identity theft victim entitled to mandate XXXX to block negative inaccurate items from my CR under FCRA sec XXXX. XXXX supervisor XXXX advised me that the cheapest way to remove the one remaining NEGATIVE item on my CR was to contact the the XXXX warehouse and public records manager for XXXX and ask for it to be removed. XXXX promised me that if I convinced XXXX subcontractor, XXXX, to remove these judgments filing as a mistake due to I D theft or for any reason, XXXX would delete the filing under FCRA sec XXXX. So I did. and XXXX XXXX did indeed removeall refrences, see attched. I faxed the XXXX/XXXX/XXXX XXXX report letter from XXXX to XXXX twice during XXXX XXXX. XXXX is the consumer reporting arm of XXXX. XXXX reviewed my request and agreed to delete the Judgements from their data base and the personal report they did on me. I was very happy XXXX XXXX was helpful and aware of the damage that an Identity Theft issue could do to my personal credit report with all XXXX CRAs. As you know, XXXX is the GATEKEEPER of data for all public records reporting in XXXX for ALL XXXX CRAs! 
Incredibly, XXXX has also refused to remove XXXX public Judgement for XXXX $ ( meaning there is no monetary value to the judgment ) involving Identity theft from my XXXX and Equifax reports, So I checked with the XXXX about why CRAs violate the FCRA law. XXXX sued all XXXX CRAs in XXXX, forcing each of them to sign a Consent Agreement on XXXX/XXXX/XXXX that mandates them to give their workers the discretion to remove any Identity Theft related content or credit inquiries or credit files immediately. The CRAs agreed in the Consent Agreement with XXXX to delete these inaccurate items related to ID theft immediately or suffer additional fines and penalties. The CFPB must order XXXX, and Equifax to delete this Public Records based on identity theft content from my file. XXXX supervisor XXXX said Door to Door Sales Act would allow him to delete this public record :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX derogatory reports from the state of SC were expunged from my credit report without any problem. Afterward, Equifax decreased my credit score by XXXX points. I had no other changes in my report that would cause this to happen. My credit score should have increased rather than decreased. I tried to talk with someone from Equifax , but the conversation went in circles without being resolved. I also faxed over a letter requesting an answer to explain why an improvement in my credit history would cause my credit score to decrease. I feel that I will need to get a higher authority involved to solve this problem. I feel that I have been discriminated against and my rights are violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
EquifaxXXXX is reporting an account that I do not own for collections. I have requested that this information is remove. I believe I need to go back to the Merchant and ask for a refund because after I called the collection agent ( XXXX ) they informed me that this account did not belong to me. The Collection Agency has a request for deletion of this account with XXXX credit companies. XXXX deleted XX/XX/XXXX & Equifax deleted XX/XX/XXXX. Please request an immediate deletion of this error immediately. This has cause my credit score to decline. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Couch Conville & Blitt LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is XXXX XXXX XXXX and my property has been threatened for possession and or XXXX for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had deposited my tax check from refunds plus in my chase account they restricted my account so that i couldnt use my money out of the account even when the check had cleared. I got a letter from the fraud department saying they was going to close my account after 10 days if they can not verify the funds is have jump through all the hoop they asked my to do to the t and they still will not release my money after giving them all the information and all the steps they asked me to do. i have since been evicted and have been living in an hotel me and my XXXX kids this started on the XXXX/XXXX/16 it is now XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from Midland Credit Management Dear Consumer Protection Bureau, Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX  credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from XXXX XXXX XXXX. I know nothing of anything I may owe or even ever having used XXXX  XXXX XXXX. 

I would like any verification that I owed anything to XXXX  XXXX XXXX  and when this was assumed and for what the bill was generated. 

If Midland can not verify this claim, I want the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX .XXXX Extn XXXX from XXXX XXXX XXXX XXXX. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My Name is XXXX XXXX and I have graduated from XXXX University XXXX XXXX Nj in 2013 with nothing more than the daunting and draining stress of my student loans. I started paying back interest while in school, which was about {$520.00} on a quarterly basis ( mostly from the help of my mother ) and tried to consolidate my loans soon after graduation, but NJ Class was neither informative or helpful. I paid back as much as I could on time until things became unbearable and it spiraled out of control. Two years later, I 'm still struggling with repayment and the customer service with NJ Class has gotten worse. When I call to speak with someone about repayment and my financial situation I am spoken down to, rushed off the phone or even hung up on. I was even told " if you ca n't pay back the {$1500.00} a month there 's no point in paying {$500.00} a month because we will still garnish your mother 's wages ''. That is neither helpful, professional nor ideal feedback from a business. I understand that workers of student loan companies deal with a lot but the fact of the matter is, if this is the career they are in, professionalism must always be present. 
I am currently trying my best to pay all of my bills and loans but NJ Class is making it impossible. This has not only caused stress for myself but my mother has to also deal with the numerous phone calls, emails and letters from NJ Class. It has gotten to the point where they ring her at work ( which is by far, very disrespectful ). My mother did a great thing by co-signing my loans, in order to help further my education but the stress of repayment is physically making her ill. Six years ago, who would have thought that I would regret going to college since it 's taking such a toll on my mother? After long consideration and the upmost support from my mother, I have decided to accept placement in XX/XX/XXXX for my XXXX 's degree in XXXX. I am weary that NJ class may not put my loans into forbearance or even worse I may not be able to take out a loan for the year. I never thought that I would go back to school, but I found exactly what it is that I want to do with my life. Going back for my XXXX at University XXXX XXXX, XXXX is all I could ever want. It would be a tragedy if I could n't attend. In all honestly, I just wish that someone from XXXX would help me. It would help lessen the stress for my mother and I. Maybe if they explained things a bit more and were n't so rude, it could be easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I sent Chase a letter on XXXX/XXXX/15 to inform them that I finally had a job and could start making monthly payments but not the amount they wanted. I used the sample letter on your website and I have not heard from Chase. They have stopped sending monthly statements and when I call they inform me that I am in collections but no one from collections has contacted me. I do n't want the loan to default and I would like to start making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: GREAT LAKES
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 had a small loan XX/XX/1993. It was about seven thousand dollars. I paid it off I thought as it was drafted from my check for years then just stopped so I thought it was paid then out of knowhere I had Great Lakes take a loan and now tell me it 's a consolidation loan and that I do n't qualify for loan forgiveness as I am a XXXX now they say I owe over fifty thousand dollars. This stinks of fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
After repeat attempts for assistance with managing my accounts and the online options that Target provides, Target was unable to assist me and then would not work with me on removing some of the fees assessed as a result. I have a Target Redcard and I was having trouble managing it with electronic statements. I contacted to try and get paper statements I was told that I had to change them online, online it has a link to Stop Paper Statements no link to stop electronic statements or even manage electronic statements. Since I was unable to manage my statements I incurred XXXX late fees. When I attempted to correct this situation. Target informed me that they can not make a refund after 30 days, I never agreed to that and if I was able to manage my electronic statements I would have known within 30 days that I had an outstanding balance ( emails easily get lost - which is why i tried to change to paper ) and would have paid it and not incurred anymore fees but now i am told that no fee can be returned and that the fees will be sent to a collection agency if I do not pay them. They say they are sorry but there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was having dinner tonight at XXXX XXXX and tried to settle my bill for {$160.00}, my TD Bank card was declined. I contacted TD bank customer 's service line, instead of the service representative to me my card was blocked so I asked her to unblock my account and I requested to speak to a supervisor and was placed on hold for 10 minutes. The supervisor came on the line ask me to verify my identity and ask if I can authorise the transaction and I told her I already have with the call representative, but she did not and hung up the phone. I called back spoke to another representative and told her what happened then she hung up as well! So I called again and finally had the block taken off and the call representative was rude and did not care how this ordeal affected me so she hung up the phoe on me as well. Please do not use TD bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In 2005 Chrysler financial gave debt details to my chain of command. XXXX. I was behind on payments and was aproached while in XXXX. My pay was being withheld by my chain of command because I was disciplined for XXXX ( I was XXXX and a XXXX vet ). Therefore I was n't making enough to pay bills. I was ridiculed as a bum and as irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a used Jeep 2015 Cherokee Latitude from XXXX XXXX of XXXX on XXXX XXXX. The advertised price for the vehicle on the internet was {$23000.00}. A subsequent reduced price advertisement on the internet showed the reduced price to be {$22000.00}. XXXX charged me {$32000.00} for the vehicle. This is a price difference of {$8200.00} using the larger advertised price and {$9700.00} for the reduced price. I 'm disputing the price difference between the amount being financed ( {$28000.00} ) with TD Finance versus the price I calculated using the larger advertised price and XXXX XXXX XXXX values for the vehicles I traded-in ( {$21000.00} ) as the bottom line amount for financing. The total amount of overcharge I dispute is {$7100.00} XXXX {$28000.00} - {$21000.00} XXXX. An uploaded table provide a summary of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
TD BANK, XXXX ( TD AUTO FINANCE ). TD BANK WAS PAID OFF ON XXXX/XXXX/2016 BY XXXX XXXX XXXX XXXXXXXX. FOR THE AMOUNT OF {$19000.00}. THIS WAS TO COVER THE PAYOFF OF MY AUTO LOAN ( PAYOFF {$19000.00} ). THEY DID NOT CASH THE CHECK TILL XXXX/XXXX/2016. I HAVE CALLED THREE TIMES & THEY TOLD ME THEY WOULD MAIL OUT MY CHECK FOR {$230.00} ON XXXX/XXXX/2016. I CALLED AGAIN ON XXXX/XXXX/2016 & WAS TOLD I SHOULD GET MY CHECK BY THE 2ND WEEK XX/XX/XXXX. 
I BELIEVE THEY ARE HOLDING MY PAYOFF TOO LONG, DO I HAVE ANY RECOURSE??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Cash advance

Complaint:
I notified the credit card company that my daughter would be abroad in XXXX and would need the card for both purchases and for cash. I was told there was a {$500.00} cash limit per month and what the fees associated with the transactions would be. My daughter withdrew approximately {$200.00} in cash as well as made several purchases. Then, with no notification, the cash withdrawal amount was changed to {$0.00}. I did a complete search of the policies regarding travel abroad and cash limits on the website and read everything there was, and there is no stated policy available on the website. I have spent literally the last 2 hours on the phone with them and have been told 1 ) that " perhaps '' the cash withdrawal amount would go back to {$500.00} the next billing cycle 2 ) that maybe it was because I had a late payment XX/XX/2016 ( then why was the cash amount of {$720.00} still available XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016? ) XXXX ) that maybe it was because the account had been inactive for many months ( but why did n't they inform me of this when I spoke to them at length about the use of the card abroad before my daughter left for her trip? ) 4 ) the card was meant for purchases, not for cash withdrawal ( why did n't they tell me this to begin with? ) I was told the credit department would do periodic evaluations of all accounts and decide on cash limits, but they would not look at my account specifically. Had I known all of this, I would have chosen another card to send with my daughter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I got a credit card from Target to avail of the retailer 's discount for 5 % off. I then went online to set up my account and set up automatic payments using their website, specifically because I was going to be travelling out of the country with limited access to emails. Unfortunately, I did not take any screenshots of this ( which I should have ). I was out on a long international vacation and when I came back and checked my mail, I saw that the account was overdue and I had to pay late fees and interest charges. I work in technology, so I 'm pretty confident that that I set up the automatic payment according to instructions on the website. I strongly suspect that Target is doing something devious so that they can charge late/interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05
Company: Heritage Financial Group, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I noticed a collection account on my credit from Heritage Acceptance Corporation for a car loan. I immediately went to the credit reporting agencies website and disputed this claim. The credit reporting agencies never received validation and in turn removed this debt from my credit. about a month later on XX/XX/2016 I received correspondence from Heritage Acceptance Corporation. I will put word for word what the letter says. 
This letter is to inform you of certain actions that Heritage Acceptance Corporation has or will take in relation to your account. 
Dispite Heritage 's efforts to collect, this account has a current balance of approximately {$7300.00}. As a result of certain I.R.S regulations and Heritage polices, Heritage is required to file a form XXXX reporting a cancellation of debt. This letter is to inform you that Heritage is filing a XXXX related to the account. Generally, the IRS considers forgiven debt as additional income. You should consult with you tax professional to determine if this will impact your tax liability After receiving this letter I got a call from Heritage acceptance at my work trying to verify employment. I also got another letter from Heritage stating they are going to request that this account be updated back on my credit. 
My question is why am I being bothered after a letter was sent out stating my debt was cancelled? Also, what is Heritage intentions with verifying my employment on " cancelled debt ''? I do n't want to assume but I feel as if this is a bullying tactic and harassment.

Company response to consumer: Closed with explanation