BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-26
Company: TRANSWORLD SYSTEMS INC
State: PA
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 was unemployed XX/XX/2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan.  This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX that my loan defaulted and not any fault of my own.  I have made multiple attempts to try and get this situation resolved; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i received a call from a lady named XXXX with the phone number XXXX XXXX XXXX XXXX and shed said they were issuing a subpoena for court to be sued. She then directed me to call XXXX XXXX XXXX to see the reason why i was being sued. XXXX then asked for the number XXXX gave me which was XXXX XXXX XXXX so i gave that to her and she came back to me with the reason i was being sued was for a debt with HSBC which was a credit card debt that was back in XXXX they have called me XXXX times threatening on this matter. telling me that the debt will XXXX if they have to take me to court and trying to force me to pay the {$1400.00} something that i owe. my dad private attroney said to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX ) I did set up Automatic Payments to cover the full balance every month. I did it with this credit card the same way Ido it with every credit card as soon as I open the account. I do the same with every utility bill or any loan. 

XXXX ) The Credit Card Company never sent me a statement indicating me there was a pending balance. 

XXXX ) I willingly used this credit card only when I requested it because of a promotion on XXXX. I paid for that purchase. I have another credit card set as the primary payment card to make purchases. 

XXXX ) Synchrony claims that I used this credit card and became delinquent for {$6.00} in XX/XX/XXXX, and {$7.00} in XX/XX/XXXX. I never authorized those purchases. They claim I did not pay those statements and they reported me to the credit bureaus, as a result, my credit score decreased by over 100 points. 

XXXX ) I have never been delinquent on anything. 

XXXX ) I called Synchrony to complain about the use of this credit card and to request the documents proving I had an automatic payment set up on my account. they refused to do it. I paid those charges and I closed the account as soon as I found out about this issue in XX/XX/XXXX. 

XXXX ) Synchrony is refusing to remove the delinquency they placed on my account.

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 2020-11-12
Company: Receivables Performance Management, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No he recibido ninguna prueba de que su empresa haya validado la deuda. Una deuda que est reportando en mi crdito sin ninguna prueba de validacin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
So on XX/XX/XXXX at about XXXX i received a loan for XXXX dollars. If i knew that the interest on it was XXXX dollars, making the amount owed more the XXXX dollars, i would have never done it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
After one missed auto-payment to LGW I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( Lustig, Glaser and wilson ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Self Financial Inc.
State: CA
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 am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, SD XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX XXXX. I live in XXXX, OK. This charge took place more than two hours from where I live in XXXX, OK. 
I did not initially identify this transaction as fraud because I am XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).

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 2016-01-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have bought XXXX XXXX 2011 XXXX from XXXX XXXX XXXX , XXXX . I was going through a Bankruptcy at that time. I paid {$10000.00} down and rest financed by Wells Fargo Auto loan. The Finance department said to me that my interest would be 17.990 % because of my bad credit. Since I was in desperately needed of a car I agreed to the above interest. But I realized that they took advantage of my desperate situation and exploited me of my bankruptcy situation. This is unfair because in 2011 the average auto loan interest was less than 3 %. 
I strongly believe that the XXXX XXXX management and Wells Fargo deliberately duped me to pay high interest. 
I have been paying the monthly installment of XXXX for the past XXXX months that equals to {$40000.00} for the loan of {$30000.00}. 
This is unfair and please makes sure that Wells Fargo write off the balance of XXXX and take the lien from the title. 
Paying 18 % interest is like cutting your throat and I work 90hours per week to meet my both ends meet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Kikoff Inc.
State: CA
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 reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Did not try to call me to fix problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I do not want to hear a word from this company but a check sent. QUALITY ACCEPTANCE, LLC, and all, I mean all of its workers are nothing but thieves and criminals. They lie, commit fraud and give illegal interest rates and make unlawful calls and threats. Over {$12000.00} sent to them and we had car for a year. WAIT TIL YOU HEAR THEIR RESPONSE, its filled with lies and games. They are disgusting and need be fired and tossed out of the loan game. DISGUSTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently have a federal Perkins loan which was taken out with my XXXX university, and currently serviced by XXXX XXXX XXXX XXXX XXXX XXXX ( Heartland/ESCI ). 

The current balance on the loan is {$3000.00} as of XXXX XXXX, 2022. 

I enrolled in auto-payments with the company several months ago ( I can not find in my records when, but I believe it was in XXXX ) and subsequently received email notifications monthly that my payments had been continuously taken from my account. 

I never received a notification that any error had occurred or that a payment was not processed. 

Tonight, on XXXX XXXX I received an unsolicited telephone call from a representative did not identify themselves as being from Heartland ESCI, only that they were calling in reference to a loan with XXXX XXXX  ( the above referenced university ). 

After asking " whether this was a good time, '' and I indicating it was not because I was working, he proceeded to tell me this was a " courtesy call '' about my " past due account. '' Inadvertently Heartland/ESCI had continually failed to withdraw money from my account ( either because the information was entered improperly or because the bank account associated with it was closed. ) but never indicated money had not been withdrawn to cover the account balance. 

This practice has gone on for at least three months entirely without my knowledge. Heartland/ESCI made no attempt to contact me regarding failed or missed payments, and misrepresented that payments were being withdrawn from an account. 

On XXXX XXXX, 2022 I made a {$110.00} payment to Heartland/ESCI which was apparently inclusive of debit card processing fees and {$10.00} in fees charged for missed payments. 

Rather than alert me to the fact that my payments were not being processed, Heartland/ESCI decided to wait until I had amassed several payments and alert me to pay them at once.

I also am unable to navigate Heartland/ESCI 's website to find out which account is currently linked to my auto-pay. Their client-side web browser is clearly designed to confuse and obfuscate information to make repayment as difficult as possible, and any financial records with the servicer are not easily obtained. 

This debt collection practice is patently unfair, and likely violates both federal law, as well as contractual obligations Heartland/ESCI has to fairly collection minimum payments from borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal just closed my account for no reason. They do not want to help me fix this soon. I have not been able to get help from them despite contacting them about this issue frequently. I have been using their services to receive money from my clients and I believe this is affecting my income greatly. If their customer handling was better we would have solved this already. My email linked to my Paypal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have numerous errors showing on my credit report. After reviewing it I sent Transunion a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Transunion has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: CITIBANK, N.A.
State: WA
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:
Please be aware that I have submitted a similar complaint twice, but both times Citibank has found ways to avoid responding. As I was unable to reach a resolution, I am supplying more information in this complaint. 

Prior to XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XXXX XXXX XXXX XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX XXXX purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the XXXX loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XXXX, I did not authorize my endorsement for the private student loans taken in XXXX and XXXX. Also please let it be known that there is NO pending litigation on this dispute.

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 2022-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've made 8 attempts over a 2-month period to get my Equifax Credit Report XXXX 
I've been on hold Many times, only to be told that my " issue will elevated. '' Every time I attempt to log in, I am prompted with a pop-up message telling me to call the toll-free number. 
Every time I call back, Equifax " elevates my issue ''. After my issue is elevated, I am sent an email response ( about a day later ) from XXXX, stating my " Issue has been resolved. Please log in. '' I am still UNABLE to log in and view my Credit Report! 
Every time I call customer service, I am told the exact same things over & over again : " Have you tried logging in WITHOUT using a VPN?/ Have you tried logging in through XXXX?/ Have you tried logging in through XXXX?/ Have you tried Re-Setting you password?/ Have you tried logging in through your Desktop?/ Have you tried logging in through your phone?/ Try a different Email ... '' I've hit a BRICK WALL with EQUIFAX. There is NOBODY else to speak with and NO EMAIL ADDRESS to voice my Concern/Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complained here couple months back about XXXX XXXX on behalf of Synchrony on accounts closed since 2019 and XXXX harassing my child and as of today XXXX is harassing me again with claims of financial fraud. As a result of my last complaint Synchrony wrote a letter that details all my activities with them and that states XXXX Should have never keep trying to collect on Accounts closed in 2019 and that Synchrony will send them that letter so they can fix and stop their illegal collection. Unfortunately XXXX  closed the dispute without addressing the fact that XXXX was wrong and XXXX is moving full speed tarnishing my name despite the overwhelming evidence clearing my name.

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