BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I've been out of work since XX/XX/XXXX. I've been having severe XXXX  issues recently and it ended up with me being in 5 different XXXX, seeing XXXX, XXXXXXXX XXXX, many XXXX  XXXX, XXXX XXXX, etc. Suffice to say, it's been difficult and I'm currently waiting on my short term disability leave payment to arrive ( delays with the administrator XXXX ). I've slowly been recovering and am expected to return XX/XX/XXXX Complaint : I was 8 days late on my payment, and today with no warning ( no call, no text, no voicemail, no email, nothing ) GM Financial disabled my truck as I got home. I immediately paid online, but they don't have a way to reach humans after hours so I'll be without my truck until Monday in a time where it directly jeopardizes my life. They should've warned me, being without transportation unexpectedly could've caused me great harm, and trying to figure out what the issue was to begin with has made me feel physically sick ( I'm recovering from severe XXXX XXXXXXXX issues, not fun ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was pre-approved for a new car loan XX/XX/XXXX. We shopped around, found a car, ordered it. I called USAA on XX/XX/23 to make changes to the term of the loan ( Change from 60 months to 72 months ). I was assured that this change was notated and when the loan was funded, it would be the 72 month term. We received the car on XX/XX/23, and the dealership filled out USAA 's request for funding. When the loan showed up in my account a few days later, it was for 60 months. I spoke to XXXX on the app 's chat feature, who couldn't help me over chat, so I called USAA on XX/XX/23 to attempt to resolve the situation. I spoke with " XXXX '', a " lending XXXX ''. Even though they see my loan account notated, I was told that someone made an error and ignored or did not see the notation. XXXX attempted to get the issue fixed, but the under-writer said no. The only way for me to " fix '' it is by re-financing. I should not have to jump through extra hoops because of someone else failing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: MN
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 sent a letter on XX/XX/XXXX, requesting you to remove fraudulent accounts and information was well as the unaithorized inquiries that are UNKNOWN to me. I came across the Federal law and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included these fraudulent accounts and information in my previous Complaints & I am including it again. Please once more, I request of you to please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, please send me any documents you found along the wat if your investigation for me to verify my self about these disputed items. If you find no documents claiming that the items have been verified, immediate removal of the disputed items will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Summary of Complaint : Fifth Third Bank changed the status of two of my business checking accounts from " Basic '' to " Premium '' and " Elite '' without any communication to me at any time. This occurred the month after a change in checking account fee structure and minimum funds was announced. Fees for below minimum funds have totaled {$1000.00}, and Fifth Third has refunded {$320.00} so far, but say they do not refund any more to customers. The resolution I seek is refunding of the {$720.00} balance to me. 


I have spoken with bank representatives four times regarding this complaint, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in XXXX. 


The two business checking accounts are : " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX " XXXX XXXX XXXX XXXX '' acct - XXXX opened XXXX In XXXX and XXXX, I opened these accounts as " Business Basics Checking '', with no service charges for minimum balances. 


On the XX/XX/XXXX bank statements, there was fine print at bottom with a general statement, " Some of our fees are changing ... '' with no other specific information. 


The following month, XX/XX/XXXX statements show account XXXX was inexplicably changed to " Business Elite Checking '', and XXXX changed to " Business Premium Checking ''. No service fees were charged that month, and no communication was provided in explanation of any new fee structure. 


I did not request these accounts to be elevated to " XXXX '' or " XXXX '' levels, never received notification of these changes, and have never used any of the additional services available to these levels. 


However, it turned out that " Elite '' and " Premium '' accounts had minimum balance service charges. " Basics '' does not. 


Since then, fees for below minimum balances have been charged and money removed from my accounts whenever balances fell below the minimums set by the " Elite '' and " Premium '' policies. Through XX/XX/XXXX, a total of {$550.00} was taken from XXXX, and {$500.00} taken from XXXX. No fees would have been charged if the accounts were left at " Basic '' levels. 


After talking with bank representatives, the bank tried to remedy the situation by reversing service charges of {$75.00} on XX/XX/XXXX, and {$250.00} on XX/XX/XXXX. This leaves {$720.00} of money remaining to be returned to me. 


The bank says no further service charges can be refunded because " {$250.00} is the most we've refunded to other customers in the past ''. 


My uploaded documents show the bank statements where my checking account status was raised without permission or communication from Fifth Third Bank, and spreadsheet of minimum balance service fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/2023 at XXXX I returned a phone call from an unknown number and reached someone who identified herself as XXXX calling from the XXXX XXXX County Court House mediation department about a debt I owed to Orchard Bank, Capital One, XXXX or Metris Bank. I told her I am not familiar with this debt and asked for the contact information of someone to talk to about it and she said that it is " too late to talk to the Plaintiff, Orchard Bank ''. She said the case number is XXXX. I kept confirming that she was calling from the XXXX XXXX County Court House and she would answer " yes ''. After my continued questioning she told me she would be sending my information to be sued and I said so you are not calling from the XXXX XXXX County Court and she said " good luck to you ''. I tried calling back several times, however, she would hang up, not answer, or put me on terminal hold. Eventually I called again and someone else answered as XXXX XXXX XXXX XXXX but immediately transferred her back to her. At that point she said I owed {$1700.00} and it's too late to discuss they are suing me for the balance. I called again and a person named XXXX answered, I expressed my concerns to her and she told me me she will have the recorded call pulled and send me the original documents of the alleged debt that I don't believe I owe and is not on my credit report. XXXX also told me the supervisor there is named XXXX. I asked if someone would be calling me back about my complaint and she said yes and will be sending my original documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Credit Card from XXXX XXXX back in XXXX. I purchased XXXX items. I moved so therefore I did not know how much was bill was for. They stated they sent statements to my old address. I received and continuing to receive debt collections notices from Midland Funding. I wanted to clear this debt but the amount they stated I owe is not correct. I contacted Midland Funding to get the original creditors information a young man by the name of XXXX stated they do not have this information which is false information they would have this information. I told him I was going to get the XXXX to look into this he stated he did not care who I get. I contacted XXXX XXXX, I spoke with XXXX, XXXX, and XXXX who are Senior Manager 's. They stated they sold my account to Midland Funding and my record is deleted from their system. They said Midland Funding would have the bill. Midland Funding only send out letters, they do not send out itemized bill. I do not know what I am paying for. I wanted to get this off my credit. I can not not pay bill without an itemized bill that is the law. If someone request an itemized bill from the original creditor they must provide it. XXXX XXXX stated they deleted my files. How do I know if I owe it. I spoke with both companies on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I Have always paid my credit card, but recently I lost my job. My payments were rather high for my target account, so I wanted to check the account since I knew I couldn't owe that much since I had not used my card and last time I made a big purchase was in XXXX I believe to buy my then boyfriend a TV. My bill was at over {$700.00} bc of late fees when I checked. So I went back in my statements and saw that in XX/XX/XXXX a payment was returned. I have my account set to auto pay, which adjusts and should have made that payment in XXXX as well as the returned payment. My autopay is not the same every month, it adjusts according to what is due. I was not notified of a missed payment and my auto pay kept going while target was charging me {$40.00} in late fees every month. When I spoke to someone in XXXX she just kept trying to make me make a payment, while I was asking her to explain why I should be responsible for these late fees if the system had not adjusted the payment. She was not helpful at all, and just kept saying it was my fault and claiming she could not see payment history or statements back that far. If she really couldn't see that, she should have found someone who could instead of blaming me and demanding a payment. I could understand if it was a fixed payment but it changes every month. I do not feel I should pay over {$900.00} for fees when my card should have been paid off by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In accordance with the fair credit reporting act Midland credit Management has violated my rights. 15 U.S.C 1681 Sect. 602 A states i have the right to privacy. 15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions. Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. Sending a statement does not prove this is my debt. You also had someone trespass onto my property per my cameras to deliver a package not once, but twice that my dogs chewed up. You have also sold my information to 3rd party agencies as i am getting letters from attorneys about being sued. This again violates 15 USC 1681. 

Cease and desist immediately as well as remove the judgement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: AR
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 a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-08-18
Company: Genesis FS Card Services, 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:
There is a XXXX late payment on my credit reports with XXXX, XXXX, and XXXX for the month of XX/XX/2023, which should not be there, pursuant 15 USC 1681a 2 ( A ) ( i ). I am asking that this XXXX late payment be removed immediately before I seek litigation and pursue damages of {$1000.00} per occurrence. Please comply and remove this inaccurate information from my credit reports with XXXX, XXXX, and XXXX within 10 days from this dispute. Thanking you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America closed my account and hasnt credited my accounts or returned to me 4 negotiable instruments I deposited the instrument were postal money orders deposit on the 6 and 9 2 on each day two were made to the order of the United States TREASURY and two were made out to me the amounts of the instruments were {$200000.00}, {$200000.00} deposited on XXXXand {$900000.00}, {$900000.00} deposited on the XX/XX/2023 I have a medillion stamp guarantee, and affidavit that all accounts are prepaid a power of attorney fsform XXXX one given myself power of attorney and one granting Bank of America poa to convert checks made out to the us treasury on my behalf . I have not been credited those amounts nor have they returned the instrument to me instead they closed my account with outstanding checks still out theres, which is causing me to potentially be charged with fraud. Its is illegal to write checks from closed accounts I write those outstanding checks when my account was open but they closed my account with no warning. Now those checks are going to bounce Bank of America stole my instrument I have them all documented and I took pictures of them and have them in my ledger with serial number date deposited all that they were correctly executed instruments but because I made them bearer boa thinks they can snatch them up with no consequences, I think I should file a police report on them for theft. When I call them I get the run around and going in to the bank is like telling the cashier at XXXX you want to buy a franchise if you get my analogy. I need help I have everything in order for me to sell transfer negotiate instruments/securities but boa XXXX respect the law when it comes to my case they want to say I committed fraud no they committed fraud

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 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
Today, I received the attached dispute results from XXXX, dated XX/XX/XXXX, for my TD Bank NA account showing Before Dispute Status ( XX/XX/XXXX ) Open and After Dispute Status ( XX/XX/XXXX ) Open. I voluntarily CLOSED myTD Bank XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of TD Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account remain inaccurately reported as XXXX after the dispute process if a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? Delete my account permanently!!!

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 2023-08-08
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been at my wits end with this identity theft in the worst fashion of anything i have ever experienced in my whole life XX/XX/2023 I was given my injury work comp settlement for approval of XXXX. Since before that I have been having issues with XXXX every month. My identity was stolen, my devices that should of been turned in to XXXX werent logged into their system in XXXX and someone somehow mirrored my devices and even my location to act to take over my newly acquired XXXX, my company XXXX where I am a sole proprietor. They would even dupe transactions and use cash app ( where I was investing In the stock market for the first time ) where I was being charged double, Triple and even signed up to things I never signed up for! The hackers are able to even spoof my ip, location, devices and make it seem like its actually coming from me! It feels way beyond my grasp of concept and my credit went from almost XXXX to a XXXX in less than a day! Ive been complaining and schools first credit union now says its too old to despute one major one was a balance of a XXXX in my account where I closed one checking to open a new one where they credited me my remaining funds than took it right back but the money disappeared! This has happened to the majority of my funds, atm withdrawals duped where yes some of which were mine but somehow the people behind it are using a technology far more advanced than any Ive seen before.. I know have people following me, Im literally scared, not knowing what these people are doing in my name. Even feels like they want to frame me for something or set me up because I am an inventor and came up with a invention to help stop human trafficking. Maybe not the most popular business plan, and another an electricity to run without plugging in to any plugs.. cars, phones, houses, you name it. They have taken everything and I can barely make my car payment. I feel now they even are responsible for me missing important court dates, altering my business plans, sabotaging my resumes, partners, stocks, my insurance, even my car! Somehow they are able to remotely access my car without having my key faub, they are tracking me, intercepting everything and anything I try to do! They make me feel so powerless in my life like its not mine to even live anymore. I am only alive now because I followed XXXX XXXX  on many occasions somehow I am reluctant to be alive. I do plan on exposing the companies who are involved and who turn a blind eye to criminal activity. XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, I need help I have recordings and all XXXX, XXXX admins are taking over my whole lifestyle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed this account and have reached out to the TransUnion MANY times but failed. This account is being reported inaccurately and incorrectly on 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