BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: New Era Asset Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
New Era Asset management has been harassing me. They have been calling non-stop and harassing me and my " associates '' trying to find me. on XXXX I called them and asked why they were calling. They told me that it was because of some kind of money I owed to some other company. I requested them to send to my address the exact details of the money I supposedly owed and the original contract that I supposedly signed. Once I received that in the mail, I told them that I would then work with them if it was valid and resolve it. The debt that they mentioned is not listed on my credit report, and I am suspicious that this is money that I actually owe. I requested that they stop harassing me at work and that they stop calling my known " associates. '' Today on XX/XX/10 they called another known associate looking for me. I am again now requesting that they quit calling and harassing me. If they want to communicate with me they need to send the original documents of the " debt '' and who I owe. They are continually harassing me. They need to stop. I have already requested that they not communicate with me during XXXX and to send me what exactly I owe and the original documents in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Balance transfer

Complaint:
I got in the mail a promotional balance offer from Barclaycard and initiated it online XX/XX/2016. On XX/XX/2016 Barclaycard debited my account for {$950.00} plus {$38.00} balance transfer fee and mailed a check to XXXX. XXXX recieved the check for {$950.00} and it posted to pay off my credit card balance with them. On XX/XX/XXXX Barclaycard, without my authorization, reversed the balance transfer violating their own internal policy of not canceling a balance transfer until the XXXX business day, in my case XX/XX/XXXX. 
I received a letter dated XX/XX/2016 from XXXX of the XXXX that they would not fix their reversal mistake. I have a call into them as to how they can do that when their check to XXXX has already cleared the fed and posted to payoff my XXXX credit card balance. In other words the balance transfer transaction was finalized on XX/XX/XXXX. XXXX indicated they can not stop payment on the check since it has cleared the Fed. 
My balance with Barclaycard is {$0.00} since the reversal ; I find it hadr to beleive they are giving me {$950.00} free & clear! : ) Help! and thank you XXXX ( 267 ) XXXX

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 2016-10-15
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I am making monthly payments to a closed account because my final payment was credited to someone else ' account in error. I have called, faxed, and written. I have letters stating the error was corrected with apologies for any hardships. In error I am still being billed monthly for this 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 monetary relief
Consumer complaint received 2021-06-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for citi Sears credit card and was denied for weird reasons inquiries for credit and I wasnt giving a second chance and I called the number and I cant get hold of a live rep and this sounds like scams or Sears is not in business I would like this inquiry remove off my credit report it dont make any sense at all I dont have any other inquiries reported on my XXXX just citi/Sears and I have good credit. I would like a call back from Citibank Sears to get this application reviewed. So far I havent gotten hold of a live rep and I will enclose a letter and my credit 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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
How you doing today, I submitted a dispute by mail to on XX/XX/21 i still havent recieved my dispute results or any progress been made. It has been past 30 days and i want this account that is not correct off of my credit 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 2021-06-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TD bank calls me everyday after the pandemic. I make my payments but they still harassed me. Since the pandemic is almost a daily call. I already ask them to email or send me letters. I ask them not to call me please. This is driving me insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20
Company: Progressive Financial Services, Inc.
State: VA
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:
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

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 2016-11-04
Company: AES/PHEAA
State: VA
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 contacted American Education Services ( AES ) in reference to three delinquent payments that have been reporting as a negative item on my credit for the last three and a half years. I have submitted verification requests for this information previously to no avail. I 've also submitted " good faith '' letters asking that this information be removed because ever since the loan reached maturity I 've made full on-time payments. AES never removed the information so I decided to try to get to the bottom of it today. After reviewing my payment history the floor supervisor I spoke to said that each reported delinquency was reported while my APPROVED forbearances were going through THEIR processing system ( I would also like to add that all forbearance request paperwork was submitted on time so there was no processing delay on my end ). Once the forbearances were approved it voided the bill and there was no longer any payment due however AES still reported to my credit that I was delinquent on said payment and never corrected the issue. Nor did they correct the issue when I requested they do so in good faith. They also never properly looked into the issue when I requested verification -- had they looked into it properly it would 've been obvious that my account was actually in forbearance during these dates and the information would 've been deleted. This is THE ONLY negative account on my credit reports at all XXXX bureaus. It is egeregiously irresponsible for AES to report inaccurate information and then proceed to be negligent when it comes to correcting their mistakes. As a consumer and an American who relies on the credit system for verification of my 'worthiness ' for just about every product ; this has negatively effected me unfairly for over three years. 

Furthermore, AES did not inform me of all of my repayment options. There was a borrower discount program available for my loan that would be assessed after 36 on-time payments. I was disqualified from this program without my knowledge -- I 'd like to reiterate that I was not made aware of this program AT ANY POINT. AES disqualifying me from a program with stipulations they never made me aware of is another egeregious and deceitful practice that should be addressed. All consumers should be made aware of repayment incentives and certainly not disqualified from potential money saving programs without their knowledge. 

In summary, AES has mishandled my loan repayment process from day one and I expect the situation to be reticfied or I will take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I will file a lawsuit.

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 2016-03-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My lender has instituted a monthly " convenience fee '' every time I try to pay my loans. The only option to not have to pay said " convenience fee '' is if I enroll in their autodraft program, but when I attempt to do so, their website says my loans are ineligible. I have been paying my loans in a timely manner for 8 years and do not understand why I am now being penalized for attempting to continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to Transunion, XXXX and XXXX disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I originally entered into a FHA loan with XXXX XXXX  along with my son for a mortgage but there were financial problems so a loan modification was granted by XXXX. I chose not to participate in the loan modification with XXXX XXXX  but my son entered into an agreement for a loan modification with XXXX alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from XXXX as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing. My name is XXXX XXXX, I have a different date of birth and social security number from my son whose name is similar ( XXXX XXXX XXXX but we are different individuals.

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 2021-06-19
Company: YSA ARM LLC DBA Oxygen XL
State: NY
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:
XXXX  Credit reporting agency is not following the law. Per section 609 I am entitled to see the contract I signed and for the creditor to validate the debt. No documentation gets provided to me and the disputes keep getting closed. Send me proof that I owe this debt or delete it from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX/XXXX/16, I started a refinance loan with, XXXX XXXX financial, XXXX XXXX XXXX CA. Within the first month of processing : the appraisal, credit qualification, application and pest inspection was completed. XXXX, I was asked for a military document that does n't exist, fortunately with the assistance of XXXX XXXX military personnel-I was able to prove my eligibility. 81 days later, I have not received any communication except " Required Disclosure Requirements '' must be met first before this loan can close. I believe that my file is being held until the rates change and then my loan will be charged an higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX AT & T Universal Card account shows a pending " authorization charge '' of {$26.00} for an XXXX ordered. I paid this on XX/XX/23 and XXXX says it removed the charge on XX/XX/23, yet the credit card online account summary shows the charge still pending. I contacted AT & T card service on XX/XX/23 and was told nothing could be done until the charge posts and is disputed, XXXX tells me the card carrier is taking too long to remove this pending charge that I have already paid. AT & T customer service tells me I must wait until the charge posts and go through the dispute process. In the meantime my credit limit is reduced by the amount of this charge. AT & T should promptly remove this illegitimate pending charge and release the amount back to my credit limit.

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 2022-11-10
Company: Northstar Location Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX my mother received a call from who we later found out was a debt collector from Northstar Location Services. They claimed to be a friend of mine who was looking for me. I know that this is a violation of 15 USC 1692e ( 10 ). Moving forward I would like all communication to cease and desist unless it is a written correspondence in regard to my remedy as I intend to sue for false and misleading representations and harassment and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting an inaccurate balance on my credit report and continues to report late payments. 
According to credit reports it shows The car was repossessed, mentioned it was resold, and Im addition it was indeed charged off. Yet XXXX is still continuing to report and state that I owe for late payments. I myself have not had any history with this account since XXXX and now it is XXXX and this company is still reporting I owe a higher balance, and themself are reporting erroneous information. 
I ask that This account be fully verified, every single payment amount and date received be confirmed, further proof of when and to whom the car was sold to and the amount the car was sold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Trident Asset Management, L.L.C.
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 ask for verification but a validation containing the information listed in the 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 2022-11-10
Company: Early Warning Services, LLC
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 sent a letter out on XX/XX/XXXX to Early Warning. Here is my tracking number:XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I want to know who did they talk to How did they complete this investigation Consumer report number XXXX Account name XXXX XXXXl # XXXX ( contribution ref # XXXX ) Account name XXXX  XXXX  account # XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am an XXXX service member. I was XXXX XX/XX/XXXX-XX/XX/2016 I am inquiring about settling a debt in collections. I have paid off Wal-Mart credit card in full now I just need to dilute my credit history. All other bills and inquires are paid on time bjt my credit is terrible to this 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: Click n' Close, Inc.
State: AK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
1st Tribal Lending denied my COVID HUD Forbearance application because I didn't send in an extra copy of the application. Then in XXXX of 2021 we had water damage and our insurance sent them a check and we paid the contractor out of pocket because we " thought '' the funds they received from our insurance claim would be added to our mortgage balance due because we could not pay our mortgage due to XXXX. Then we were/are approved for XXXX funds and they will not respond to our XXXX representative when she told them we have $ XXXX in funds available. They denied us for their mortgage assistance program and now we are in Foreclosure. I don't understand how they can hold on to our insurance money, deny us assistance, and deny XXXX funds on our behalf. I work for a housing authority and this is unheard of!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: AmerAssist A/R Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are currently listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CAC Financial Corp
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector : CAC Fincial Corp., XXXX, XXXX XXXX  # XXXX, XXXX XXXX, OK. XXXX ( XXXX ) XXXX XXXX. 

This appears to be a scam ; as the company ( XXXX XXXX ) it is representing does not do business in NM, I had no medical appts much less radiology. {$11.00}. 

I do not want to answer them to avoid furtherance of their scam. False dates : bill acrued on XX/XX/22 ; Sent out for collection XX/XX/22 for {$11.00}. Acct # : XXXX They make these small claims to many to make their money ; as they expect people to pay versus the alternative. How many NM citizens have received this??? 
Thank you for your attn to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation