BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was late on my monthly payment - the company offered me a plan to pay a lower amount - instead of {$420.00} I was supposed to pay {$350.00} for six months. The company asked me to send some documents by fax like proof of salary, insurance - I did it twice and they said the documents were not legible - after that they asked me to send the documents by regular mail to an office in XXXX - I did it and they insisted those documents could not be read - they asked me to pay {$600.00} dollars but when I tried to pay they said they can not accept the money because they were having problems with the computer. Every time I offer to pay they refused to accept the money, and instead accepting payments they threaten me that if I dont pay them XXXX XXXX dollars they will repossess two cars. I offered to pay them {$450.00} dollars every two weeks and the company refused to accept the money. I dont want the plan they offered me - I just want the company to accept my payments every two weeks but I can not do it online and they dont accept the money by phone unless is the whole amount of XXXX XXXX dollars. I have the names of all the employees with whom I have been in contact with and I have the impression their behavior is like the strategy the XXXX XXXX employees had from their bosses to make the situation worse for the people with mortgages that led them to lose their property and even the health of their children.

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 2016-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Due to having a cease and desist on my account, Capital One is showing, per their phone application, that I have an overdue payment and on the phone app and their website, it will not show my available balance. After speaking with XXXX parties at Capital One they just advised me that is Capital One 's policy regarding this and there is nothing to do. I will have to call him to get my available credit. Per XXXX she can not provide me with a reason for why this is and it is confidential and proprietary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
Base on the recent situation I cant pay the car loan but I would like to keep the car until I find the way to star payment it again so I trying to get financial to pay all my debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Cascade Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in 2007, I got a payday loan, at XXXX, in XXXX, Indiana, I paided all the installments, except for one, so they reported me to an debt agency, so ever since I didn't pay the loan last installment, I couldn't get a loan, so two years ago I paided the balance of my debt off, of {$85.00}, through my bank account, etc ... .... & Now still to this day I can't get a payday loan, because the debt agency, of XXXX, haven't fix the problem.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I was due to close on a home loan today XXXX with Capital One XXXX XXXX. Which had been extended already a week due to the paperwork not being handled correctly. I had called everyday that week till today and was told everything is fine and just waiting on the under writing. Now come closing date I am denied and can no longer proceed. Six weeks of wasted time. I will lose the XXXX dollars of the earnest money. The XXXX $ on the inspection. I called the XXXX agents that were assigned to me all morning and no phone calls back for hours. None of them knew what was going on. Eventually called there managers and same answer. Waiting on the underwriters. Just unprofessional and unorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX XXXX XXXX received call from bank of America fraud division advising my credit card was hacked. asked me if i purchased {$2800.00} worth of 'pot growing lites. ' advised i hadn't. rep told me she researched my purchase history and concluded i didn't order them and went as far as to close my card card and reissue new one. told me that amount was already charged to card but would be backed off and merchant wouldn't get. 

i have included a letter sent to bank of America on XX/XX/XXXX and a subsequent letter sent to them on XX/XX/XXXX. 

I TAKE GREAT PRIDE IN MY CREDIT SCORE AND BLEMISH FREE CREDIT REPORT. I HAVE ADVISED BANK OF AMERICA PERSONNEL ON SEVERAL OCCASIONS THAT THEY HAVE BETTER NOT DING MY CREDIT OR LEGAL ACTION WOULD RESULT! I HAVE NEVER IN MY LIFE SEEN A COMPANY ESPECIALLY A BANK RUN WITH SUCH INEPTITUDE. THE LEFT HAND LITERALLY DOESN'T KNOW WHAT THE RIGHT HAND IS DOING! 
It really is disgusting and reprehensible that a bank is permitted to conduct business in such as slipshod manner! All of my mental ; anguish and grief could have been avoided if B of A would have contacted the shipper as they said they would before the order shipped. and to this date the several voice mails left at the shippers point of business have gone unanswered. Thank you for your assistance in this very critical matter. sincerely XXXX 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 monetary relief
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Lobel Financial is denying that they ever collected the {$1600.00} down payment from the Consumers. The receipts previously submitted are evidence that it indeed was in FACT collected and per the letter from XXXX XXXX XXXX XXXX confirms they did receive the {$1600.00}. 

Per the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders and other financial companies treat consumers fairly. 

A down payment is an initial, upfront payment you make towards the total cost of the vehicle. 

Per the Federal Trade Commission Guidelines Bait and Switch is as follows : Under Title 16 Law Per Code 238.4 Switch after-sale. 

No practice should be pursued by an advertiser, in the event of sale of the advertised product, of unselling with the intent and purpose of selling other merchandise in its stead. Among acts or practices which will be considered in determining if the initial sale was in good faith, and not a strategem to sell other merchandise, are : ( a ) Accepting a deposit for the advertised product, then switching the purchaser to a higher-priced product, ( b ) Failure to make delivery of the advertised product within a reasonable time or to make a refund, ( c ) Disparagement by acts or words of the advertised product, or the disparagement of the guarantee, credit terms, availability of service, repairs, or in any other respect, in connection with it, ( d ) The delivery of the advertised product which is defective, unusable or impractical for the purpose represented or implied in the advertisement. 

First, XXXX XXXX confirms that the down payment was received and accounted for per XXXX XXXX Pricing on the response letter from the dealership confirms that the {$1600.00} down payment was in FACT applied towards the car. 

However, in contrast, Lobel Financial denies they ever received or in their words exactly to the Consumers and stated : that they dont touch the money of the down payment that it doesnt go towards the car price and the customer is still responsible for the {$1600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 XXXX Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX   {$1400.00} 22 ) XXXX XXXX XXXX XXXX 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 2018-05-24
Company: OLD NATIONAL BANCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened up a checking account with old national bank under a promotion stating '' 1Offer is non-transferable and is not available for XXXX XXXX XXXX. MAILER OR EMAIL WITH OFFER MUST BE PRESENTED AT ACCOUNT OPENING TO RECEIVE THE BONUS. To receive the bonus if opening checking account online, the account must be opened using the XXXX link. Account must be opened by XX/XX/XXXX. {$50.00} minimum deposit required to open all accounts. {$200.00} bonus will be deposited into the checking account after automatic direct deposits totaling {$500.00} or more AND 10 Old National debit card transactions ( ATM withdrawals are not eligible ) are received within 75 days of account opening. Account must be open and in good standing at the time the incentive is paid. Bonus valid for ONB Everyday, ONB Preferred and ONB Classic. ONB Preferred and ONB Classic earn .01 % Annual Percentage Yield ( APY ), accurate as of XX/XX/XXXX, and may change after account is opened. Additionally, fees may reduce earnings on the account. Not valid with any other Old NationaXXXX offer. '' I met all of the terms completing a direct deposit on XX/XX/XXXX and completing 10 debit card transactions on XX/XX/XXXX. I followed up with the bank on 3 separate occasions via phone calls and I still they still have not honored the terms of the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft applied and posted while transactions still pending .... 
Argumental document provided by bank not even in chronological order. 

I HAVE SEVERAL EMAILS AND COMMUNICATIONS IF FURTHER DOCUMENTATION IS NECESSARY

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 2021-07-11
Company: Experian Information Solutions Inc.
State: NJ
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 have disputed a " XXXX '' account listed on my credit report several times for inconsistencies and inaccurate reporting. I first disputed on XX/XX/XXXX, asking the company to delete the account from my credit report. On XX/XX/XXXX I disputed the " date last active '' because the dates were inconsistent and does not match. I then disputed on XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. I asked for an " investigation '', " method of verification '', and sent violation letter because the " date last reported '' was not updated even though the account was verified. Also, the payment history on the account is inconsistent and inaccurate

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 2020-05-22
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today ( XX/XX/2020 ) I tried to lift a freeze on my credit report temporarily. I also tried the one-time pin. Neither of these options work with the PIN and information I have used previously. Last time I had this issue, I was able to call Experian. This time, I am given an automated prompt to file half a dozen documents by mail. I only have this issue with Experian, and it happens every time I try to lift the freeze. I don't see how this is acceptable, especially during a time when access to credit and remaining secure is so important.

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 2021-11-27
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: MIDFIRST BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I applied to open an account with XXXX XXXX, a division of Midfirst Bank on XX/XX/2021. The account was approved on XX/XX/XXXX. On XX/XX/XXXX {$100000.00} was withdrawn from my transferring account - XXXXXXXX XXXX. On the evening of XX/XX/XXXX XXXX  sent an email notification of a failed transfer. I have called twice XX/XX/XXXX and XX/XX/XXXX. The first time they said they had no record of the transfer. The second time I was told the bank was closing my account for " business reasons '' and the funds should be transferred back to me by XX/XX/XXXX. XXXX XXXXMidfirst Bank is still holding these funds currently - this is theft. 

Account # : 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 2020-08-21
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:
On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I asked they provide me with the proof of verification via copies of contract or documentation. On XX/XX/XXXX the agency sent a letter stating that they had completed their investigation and the items were not deleted, as requested. They said info was verified. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. This is the 3rd time I have requested this information since they are reporting this on my credit report. They have failed to do. I want this deleted immediately since they Failed to provide proper validation of this debt. This debt is also reporting as open on XX/XX/XXXX with a deletion date of XX/XX/XXXX. That makes this a 6 year old debt that should not be reporting open and being reported as new with a balance.

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 2021-08-06
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a victim of ID Theft. Someone took my information and opened a checking account with US Bank. I have been reaching out to US Bank monthly since XX/XX/2021 to have US Bank close this as fraud and they are not closing the account. They keep telling me it is closed but the account is not zeroed out so the negative balance is still reflecting and US Bank is sending me letters requesting I pay this. I get a " Pay '' letter every month with threats that they will report this to my credit report. I did not open this account, I will not pay for something I didn't do, and US Bank needs to correct their error in approving and opening a fraudulent account. US Bank is threating me and demanding money from me and that is extortion. At this point I feel like US Bank is not closing and resolving this properly because they are in the fraud/inside job among their employees. This bank needs to be investigated to the fullest like you did with XXXX XXXX for their scandal.

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 2021-07-11
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services is trying to collect on a debt that i do not recall ever making. I would like a validation of this by mail to prove it. I am retired and on ssi so my income is federally protected. acct # XXXX account ID. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Recovery put a debt on my credit without written notification to me a few weeks ago. i contacted you guys and demand proof of debt from them which they mailed to me and I received today. Firstly, their proof of debt is in the form of a statement from the Physicians. They have not provided me anything with a signature. Any proof that I was at this place they claim I owe. Secondly, the statement they sent to me states {$0.00} balance. Thirdly, the address on the statement does not match my address or anywhere I lived. I will be looking for an attorney to represent m against Debt Recovery Solutions and I will contact MD Attorney General 's office. Cause if this was the case, I can print out 100 statements to 100 people and claim they owe me money as well. Bad enough the amount owed says {$0.00}. I will attach a copy for your perusal.Then I called Debt Recovery and the rep had the nerve to ask e for my SSN and when I declined sh said she can not speak on account. Why would i be XXXX enough to give apparent dubious characters my social security number?

Company response to consumer: Closed with explanation