BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-28
Company: STATE FARM BANK, FSB
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On or about the second week in XXXX XXXX I received a call from State Farm Bank asking for a past due payment on a car loan. I asked why they were calling me for payment. The collector stated that I was the co-borrower on a loan for a XXXX XXXX XXXX and that State Farm was unable to reach the primary buyer XXXX XXXX. I was very concerned about my credit being destroyed so I began making payments to State Farm Bank in an effort to preserve my good credit. Kindly note that XXXX XXXX is my son-in-law and he left XXXX in XXXX XXXX and now lives in XXXX. I am upset because I can not afford the {$740.00} per month car loan payments. I never co-signed for a loan for the XXXX XXXX nor did I authorize anyone to sign my name to a loan. I requested that State Farm Bank send me a copy of the Vehicle Loan Application and the Promissory Note and Security Agreement so that I can see if someone forged my signature. The signature on the Vehicle Loan Application and the Promissory Note and Security Agreement are in fact not mine and I am the victim of identity theft and forgery. I also went through papers given to me by my daughter that were left in her care by my son-in-law XXXX XXXX before he left for XXXX. I discovered a copy of a Power of Attorney that I did sign. I did not sign this document in the presence of a Notary Public although a Notary Public named XXXX XXXX XXXX claims he witnessed my signature on XXXX/XXXX/XXXX. I do recall when my son-in-law asked me to sign the document ... I was at home with my wife and son ; it was evening ; no Notary Public was present. My son-in-law indicated that the document was needed to check my credit and that the document I was signing was not a car loan. XXXX XXXX informed me that if my credit was good enough, I would need to be present at the dealership for a loan to be applied for. I also found a Bill of Sale and Odometer Disclosure Statement that only lists XXXX XXXX as the Buyer and there is no name listed as a " co-buyer. '' I have attached the Power of Attorney ( dated XXXX/XXXX/XXXX ), Vehicle Loan Application ( undated ) and the Promissory Note and Security Agreement ( dated XXXX/XXXX/XXXX ), Bill of Sale ( dated XXXX/XXXX/XXXX ) and Odometer Disclosure Statement ( dated XXXX/XXXX/XXXX ). I need assistance because my only option is to stop paying and wait for State Farm Bank to sue me in order for me to prove to a Court that I am not legally responsible for this debt. To exercise my right to have my day in Court would be costly and destroy my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
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:
The DEPT. Of ED/Nelnet continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account has been refinanced with US DEPT of ED/XXXX and is being listed and reported as a duplicate as it is already a part of my public record reflecting through US DEPT of ED/XXXX and DEPT. of ED/Nelnet has agreed to remove, please refrain from continuing to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 Scott and associates called, my fathers home, and ask for me. I do not live there. So my dad gave me the number. i called them and they ask for the last 4 of my ssn so they could identify it was me. So like an XXXX i gave them the last 4 only, of my ssn, then they claimed i was not the person they were looking for? I feel this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: States Recovery Systems, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a bank account with XXXX XXXX XXXX XXXX XXXX, and I was overdrawn they contacted me to make arrangements on the account, which I did they closed the account and advised me that they were going to convert the deposit account balance to a loan balance so they could send it to a collection agency. The balance on this account is for fees only for having the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
HI my name is XXXX this problem happen is a old but we had XXXX life inc so if anything ever happen to us it would helped us .well my husband got hurt at work and had to get on XXXX but we had to fill bankruptcy. Because the loan place said we did not buy the XXXX life inc but in 2012 I found the policy and they had me send all the paper work in and they approved the loan and took {$12000.00} dollars and gave it to themselves. AND TOLD ME since they had it we still owned are home which I new we did not because we had to filled bankruptcy. I hired a lawyer paid {$500.00} to started and she told me that it was to big of a place to fight after she took are {$500.00}, So I went back to who I filled are bankruptcy with which he new we had the inc, and he told me just to leave it and just let them have the money .I spend a lot of time doing paper work try everything I could to get what we paid for because we lost are home and everything where they told us this inc was good, and even try to call other lawyers to help but could not get no where so I have my paper work if I could get some one to just listen to me we have lost a lot of money pay out to these place on inc and when time to use them got XXXX .By inc XXXX XXXX , if I could just get some one to call me Thank you XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My brother XXXX XXXX, passed away in XX/XX/XXXX. He had a Direct Express debit card for his Social Security direct deposit. I wanted to know if there was a balance in the account and requested the remaining funds. Direct Express told me what paperwork to send in and I mailed everything on XX/XX/XXXX. Didn't hear anything so I called on XX/XX/XXXX. Talked to XXXX. She told me the paperwork was received and I will be contacted about any remaining funds in 3-4 weeks. No response, so I called again XX/XX/XXXX talked to XXXX. She told me, there is nothing pending on the account. She said, there is no correspondence from me. She never asked me for the tracking I.D . number. I asked for a Supervisor, was put on hold twice. Said the Supervisor did not answer either time. XXXX did not offer any assistance after that. Did not go over the procedure or anything. This business has numerous complaints with the XXXX XXXX XXXX  and nothing has ever been resolved. I still don't know if my brother 's debit card has any remaining funds. Customer service is non-existence. How do they remain in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
these accounts that appear on my credit report are not mine, please check them, they are hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I use a service called " Coinbase '' to buy and sell digital currency. I have roughly {$5000.00} USD with this 3rd party and have had an unacceptable experience with their customer service.

Just over a month ago, my cellphone was stolen and so I had Coinbase freeze my account fearing unauthorized access to my funds. I have called and emailed Coinbase numerous times to resolve this issue and each and every time they give me vague reassurance that they will unlock my account eventually. Apparently this needs the attention of a specialist who evidently needs more than 1 month to click through a few links and unfreeze my assets. 

This customer service is unacceptable and even borderline criminal as my investments have declined in value and I have been locked out of making trades to protect myself. 

I want to put this issue forward with the CFPB in an attempt to warn others from this service. Hopefully this will also draw attention to their customer service shortcomings and give their clients the respect they deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Duncan Solutions, lnc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PAM ACCT # XXXX : Requested data previously sent from Professional Account Management , LLC ( PAM ). I was repeatedly receiving debt notices, no longer from NJ XXXX, to whom I paid what was due via an XXXX XXXX credit card. I called XXXX NJ, as I have a Pennsylvania XXXX. The charges were incurred in early XX/XX/2019. I was extremely ill in XX/XX/2019 during that time, and was only able to get my mail sporadically. I was advised that the date I paid XXXX was late XXXX of 2019. PAM claims my file has already been transferred to PAM. My first bill from PAM was for {$400.00}. I explained this debt had been paid, but PAM asked for documentation. This agency, which handles all of New Jersey 's delinquent accounts, has no fax number, no email address, and only one phone number. I forwarded the documentation, and I have requested the contents of the entire file. When I received correspondence back from PAM a month later, the amount due was changed from {$400.00} to {$200.00}. 
When I called to get an explanation, I was advised that the payment was late, and therefore, four late fees in the amount of {$50.00} each had been assessed. I asked why the NJ XXXX operator took my initial payment, and had not included notice of the late fees. PAM did not respond to this inquiry. I believe this agency is either illegitimate or preying on consumers, and I respectfully request assistance in resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was approved an installment loan from GREENSKY credit for {$5000.00} to have dental work done. I received an official letter of approval from them dated XX/XX/XXXX. A few weeks later I received a ten page loan agreement which gave me the payment amount each month but did not give a due date. I contacted Greensky and was told by a representative that I would receive an official bill in the mail giving me the due date. I never received that first bill. my next correspondence for them was a phone call in the third week of XX/XX/XXXX telling me that I was eight days behind on my bill due on the XX/XX/XXXX of each month. I explained to the representative on the phone that I never received a first bill and had no idea when I was to begin payments. I thought we had worked out a solution by changing the due forward to the XX/XX/XXXX of each month. I now get phone calls constantly telling me I am behind. they make explain their mistake over and over again, telling me they will adjust my billing cycle. The last call was today on XX/XX/XXXX, I asked to speak to a supervisor and she said that she had no control over the mail and am a payment behind and there was nothing she could do. I am being deceived and harassed. please help. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I had a joint checking account with Ally Bank for less than two years. I closed the account approx XX/XX/XXXX anticipating our separation. 

A few weeks later, the account disappeared from my Ally screen without notice. Having had no notice, I had not yet downloaded statements and transactions quickly enough. I need these transaction records for tax preparation and for the division of marital assets. 

I called Ally Bank on XX/XX/XXXX. At the conclusion of that 38 minute call, the representative told me that **only my husband** can request the account records. Is this XXXX? It was a JOINT account! 

I emailed Ally through the website the following morning and have received no response. 

It is improper for Ally to deny account information to a joint account owner. I need these records immediately for pending legal and tax matters.

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 2021-08-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
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: Other problem getting your report or credit score

Complaint:
On multiple occasions I have attempted to access my claim status on the company website and receive a " Try again later '' message after correctly answering the security questions. I called and requested a paper copy of the results of my dispute and have not received any information in the mail. The company continues to send me emails but I can not access the dispute results or my credit file via their website. This has been an ongoing issue with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony/SAMs MC with a balance of {$2000.00} was settled via phone conversation between XXXX  XXXX  XXXX  agent and Synchrony Bank representative XXXX XXXX for {$710.00} lump sum payment to be received by Synchrony Bank on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by Synchrony Bank on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by Synchrony Bank as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. XXXX XXXX  notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to XXXX XXXX  on XXXX. XXXX XXXX  notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XXXX. No further settlement terms are needed or secure.

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: 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown INQUIRIES on my credit report according to FCRA 51 USC 1681b ( 3 ) ( a ) I do not have any credit with these companies and have no knowledge of these INQUIRES, and to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes Section 611 ( a ) it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those Items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by EQUIFAX DATA BREACH and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
As of XXXX XXXX today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/19 received a collections notice from " XXXX XXXX '' in XXXX, WA, for a XXXX debt. 

We have never had XXXX and have never opened an account for someone else under my name for XXXX. 

I called XXXX XXXX. They seemed courteous, told me they put the " account in dispute '', and that I should be sure to call XXXX also. They also said they would transfer me to " the department that will take care of that '' at XXXX. 

I waited on hold for a few minutes and was apparently connected to XXXX. When " XXXX '' picked up, I explained my situation ( the above details ) and the line was disconnected. 

So, I called XXXX and went through 4 people to finally get someone to put this bill in dispute. 

I looked up " XXXX XXXX XXXX '' online and ran across others who have similar experiences with a very official looking collections notice. 

Thank you for doing what you can to shut these people down.

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 2021-09-17
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
money was deducted from my checking account and got a confirmation of a payment to XXXX XXXX in the amount of {$490.00} XX/XX/2021 at XXXX got a phone call from impersonator saying they process payment and that he represented XXXX and that they were going to cancelled and refund payment in an hour to send them the message confirmation to XXXX them to cancel and i did then they sad number to and that they were going to cut my service because the amount they process didn't go through my bank and they need it another payment deposit in the same amount I called the XXXX number has they were in line they called me several times because call got dropped and I was on a waiting line but XXXX representative said it was fraud because they never process payment online and that i should call my bank called and reported payment has fraud to stop it but i see online an the payment was process through XXXX I don't know and I never authorized this payment then they call me im attaching the payment i see in my bank process to this guy I don't know and the emails with m & t back after i call to cancel my checkcard

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