BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: WLCC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had to use three deferrals for this pay day loan. The first one was due to a family member 's death, and I had to go home for the funeral. So, I did not have the money to pay them. The 2nd time, I was sick and off work for a while. I am paid hourly. Therefore, my check was short. They deferred it the 2nd time. I requested to pay a short amount the 3rd time because of the same issue as the 2nd. 

This past Tuesday, I called asking to make a shorter payment or an extended payment plan because I am on leave from work until XX/XX/XXXX, and I do not have to disclose these reasons to them. The account manager demanded I get a letter to them from somebody at my job. I work for a city legal agency. We may be part of the city, but we run as our own organization. The person that writes these letters is out the office until XX/XX/XXXX. They still want to run my account, after I pled with them to reduce the rate. the account manager is cold hearted and callous. In the last few months, I have dealt with death in the family, health issues both mental and physical, and to have a rude person demanding a letter because he doesnt believe me is down right disrespectful. I have taken out a loan from them twice and paid them off before the maturity date. So, if they were really looking at my history, instead of being rude and inconsiderate they would try and work with me, instead of trying to catch me up in a lie. I attempted to work a payment plan out until I could make full payments again. I did a good faith effort and my due diligence. They have hid my loan agreement online. I can only see my payment plans. I want to know my options. I have been able to work out agreements with most of my debtors, but this one wants to be inconsiderate. I placed a stop payment on my account because as I told them, I do not have the money. I am barely receiving anything and barely have family to help me make rent. It is truly sad that an account manager, whose money isnt even involved in this matter, it is the money of the company, could be so spiteful and instead of being willing to have some money come in or wait until a leave letter is able to be sent a few days later, insinuates I am lying. I demand them to stop calling me and an apology. I will be reporting them to my AG Office, as  well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector has this debt assigned to me, when it is my ex wife 's responsibility, divorce decree filed XX/XX/2017. Upon dissolution I acquired half of debt that I have taken care of. My work on my debt load and simple fact I will pay, GLA collections has tagged my credit and continues to maintain calls, and bills. The last rep from GLA Collections told me it was only {$32.00} dollars and it would be easier to pay it than fight it. I make a written and verbal dispute about the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Yamaha Motor Finance Corporation USA
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I went to 5 different ATM 's on, including 3 that were pointed out to me by the bank 's ( US Bank Reliacard ) phone app, and I could not withdraw any money. Every time I was given a simple do not dispense error. I tried various amounts ( XXXX ), none worked. Despite having a balance of XXXX dollars on there. No reason given, just refused to dispense. So its impossible to get cash off of this card.

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 2020-08-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The two accounts listed below does not belong to me and it is fraud. 

XXXX account number XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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: Personal information incorrect

Complaint:
IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX THIS ADDRESS DOES NOT AND HAS NOT BELONGED TO ME. I AM IDENTITY THEFT VICTIM AND EQUIFAX HAS NOT MADE THE CORRECTIVE ACTION TO REMOVE THE ADDRESS WHEN I RECEIVED THE UPDATED CREDIT REPORT IT STILL REMAINED. THE ADDRESS IS A FRAUDULENT ADDRESS AND FRAUD WAS COMITTED WITH IT IN MY NAME SO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I keep an online savings account with Ally bank. For more than a year now, I have had same-day transfers and I utilize the feature several times a month. For no reason in particular, Ally failed to make two XXXX transfers I requested and also a XXXX - show normally instantaneous - then also froze my account. 

Ive called more than 5 times now. 

I am a self-employed single parent who just XXXX my foot. I moved as well. I have a XXXX XXXX XXXX for whom I need access to this money so that I could childproof my new apartment, buy supplies and do any number of normal every day things when you move. 

On my first initial phone call, representative advised me that I made a transfer to a closed account that I have. However, in reviewing the set up of my account myself, I see that there is currently only one option available for transfers and that is my active XXXX checking account. The same is true for XXXX - there is only ONE recipient available! 

My experience as both an accounting professional and just an intelligent commonsense individual, it looks like their computer systems have malfunctioned, again. 

Because of their mistake, they took away my same day transfer of cash and Im now stuck with my funds in limbo, having left their account but not yet in my checking with XXXX, which is now overdrawn by more than {$1000.00} across two accounts. 

XXXX, whom I just spoke to in Loss Prevention claimed all supervisors were in a meeting so there was no one higher to help. This is a computer issue and she cant override it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
I went to PNC Bank in XXXX, IL and asked about exchanging US dollars to XXXXXXXX XXXX. A PNC employee who helped me, XXXX XXXX, said there were no fees or other charges and that the exchange rate would be the normal daily rate. They did not know how to do the exchange so they took my name and phone number and told me they would call me when they found out. I got a phone call saying they were able to complete the exchange and had taken out {$250.00}. When I asked what the exchange rate was they said they didn't know but again they said it was be the accurate rate for that date, XX/XX/XXXX, and there were no fees. I picked up the money at the bank and my receipt said they took out {$240.00} and I got XXXX XXXX XXXX, which is a rate of 0.313372. The receipt  said there were no fees charged. But on XX/XX/XXXX, the actual exchange rate was 0.289160. 
I called and asked about this issue. An escalation specialist, XXXX XXXX, said she would look into it and call me back within 3-5 business days. I called her back two weeks later because she never called me back. She said she had forgotten about my case but that there were added fees when you purchase and exchange money. I talked to a second escalation specialist, XXXX ( ext XXXX ), who said that it sounds like they gave me the wrong exchange rate and I should be refunded {$21.00}. She said she was going to call the bank to figure out the exchange rate process and call me back after. But she also never called me back. I called back again and got a third escalation specialist who said she would looking at it and would contact the second escalation specialist but I never got a response from her either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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:
1.I am from XXXX KY XXXX I noticed some unauthorized transactions from my Bank of America credit card starting from XX/XX/2021 to XX/XX/2021 in XX/XX/2021. The total amount is {$1500.00}. I immediately called the Bank of America credit card fraud department to report the fraud claims on my credit card. They agreed to give temporal credit to my account and do further investigation. After XXXX week, BOA credit card company mailed me some forms about this issue. I filled out and sent the forms back. 
2. BOA credit card fraud department sent me a letter denied the fraud claims in XX/XX/2021. The reason was because the fraud transactions were repeat charges. They were apparently telling lies because I never purchased anything from XXXX store, XXXX XXXX, XXXX. XXXX XXXX, and XXXX XXXX XXXX MN and etc. So, I called the BOA fraud department again. They asked me to collect some details on the purchase transactions ( that was supposed to be done by its own fraud investigation team ) and agreed to re-open the case. 
3. I made lots calls about the fraud purchases and mailed back the details I collected from the stores or companies. XXXX month later, BOA denied again and said I authorized somebody to use my card. I felt insulted by BOA 's irresponsible remarks. To tell the truth, I have no idea and don't know any of those names and addresses. 
4. I went to local BOA branch in XXXX, KY. When the associate carefully examined the materials I provided and affirmed that those purchases were made by some unauthorized person. He also helped me faxed all the evidence to BOA fraud department. But I received the mail from BOA stated their decisions remains the same and unable to credit my account. Ironically, this time they denied the dispute for no reason. 
I am so angry and disappointed at BOA. Would you please help me with this issue? Thanks.

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 2018-07-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To be honest I really want to sue Navient. I feel that the XXXX  school I attended lied to me.They pushed the idea that they had job placement and that after graduation i would get a high paying career and I believed that I would have no problem paying these loans back. I feel that I was preyed upon by these lenders just because I wanted to get a higher education. When it got difficult for me financially they tried pushing deferment or forbearance, without really explaining the consequences if I choose this option. I eventually leaned that all this did was increase my debt and compound my interest exponentially to an amount I did not expect. Every available option on the table to repay this hasnt really worked for me. I am asked to pay {$570.00} a month but due to my inability to pay as they see fit now the monthly payments are as much as {$4000.00} a month which I dont have. 

I will also like to state that these lenders or banks are committing fraud against the public if what I learned is true. It seems that the Banks don't lend money. They buy your promissory note i.e. security. They are in the business of purchasing securities not lending, according to modern money mechanics. So if a promissory note is viewed a negotiable instrument meaning that it is used as money and sold for the value listed thereof to other fanatical institutions it is fraudulent because we are led to believe that we owe our lender money when in fact they owe us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Rodenburg LLP
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Gentleman staying he was from the sheriffs gained access to my apartment. Guests must be buzzed in. He came to my door and proceeded to bang on the door and call my name. He was informed I was working as I work from home. He continued to to bang on the door so much that the upstairs neighbor came downstairs to see what was going on. I this when I had no other recourse than to open. I told him I would not be taking the summons as I filed for bankruptcy. He stated he didnt care, threw the paper at me, I had to pick up from the floor and he walked away. 
It should be noted the summons has no number and a date of XX/XX/XXXX. Summons delivered on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I disputed ERRORS on ALL 3 my credit report, pursuant to 609 of the FCRA.

I attached a method of verification pursuing to 611 of the FCRA. 

CRAs didnt properly respond to disputes, closed all accounts erroneously. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband died XX/XX/XXXX. Per advice to notify all businesses/utilities, bank accounts, etc., about his death, I called Citi XXXX to tell them my husband had died. They told me his name was on our credit card as primary and the card would have to be cancelled as of XXXX. 
I was surprised to hear that - we had been married for 48 years, and had a credit rating of XXXX. They gave me no alternative. Our balance on the XX/XX/XXXX statement was {$76.00}. I had made a {$20.00} payment on XX/XX/XXXX. I expected to get a statement from Citi showing my balance and final statement, since they told me they had to cancel the account. 
Instead, I received a letter, not from Citi, but from XXXX XXXX addressed to the Estate of my husband, asking me to call them, and telling me the amount due was {$100.00} by XX/XX/XXXX. He does not have " an estate ''. The letter they sent had in bold print the following : You personally are not required to pay any of the debts of the Estate. 

I called Citi and talked to three different people and each one of them put me in touch with others at Citi ( and XXXX XXXX ) - all pretending to be helpful, but all of the referrals were a dead end with no one to speak to, with the exception of XXXX. I told City they needed to send me a statement as to the amount due and they have not done that. I do not want my good Credit rating to be damaged and having a collector to receive the money would do that. I told Citi to bill me and I would pay them, but they cut me off. 
I was shocked to be treated in that manner. If I had known this was their policy, I would not have informed them of my husband 's death.

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 2018-07-05
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife received a bill from American Adjustment Bureau , Inc dated XX/XX/2018 sating she owed money to XXXXXXXX XXXX. XXXX XXXX. The contact person is XXXX XXXX but the email goes to a XXXX. I can never reach anyone at the phone number, it always goes to voice mail and their letter says to email or text.On XX/XX/XXXX I sent an email and received a replay the next day stating I would receive a copy of the bill showing the amount owed.On XX/XX/XXXX I received a bill that clearly shows a {$0.00} balance and doesn't even show the amount that is supposedly owed. I sent another email after not being able to reach anyone by phone and got back an email 4 days later ( XX/XX/XXXX ) saying I received an itemized bill and we owe the balance shown on the collection agency 's bill. I sent another email requesting the correct information, including actual date of service, actual billed amount, insurance payments applied, etc. Silence, no reply or anything. On XX/XX/XXXX I sent another email requesting either the information I requested be provided or they stop all collections against my wife. I also contacted the Hospital in question and after multiple attempts I was able to determine that there is no outstanding debt owed to them and this bill is not valid. The woman ( XXXX I believe ) said she would contact the collection agency to try and resolve this for me. As of today ( XX/XX/XXXX ) The collection agency website still shoes a balance due and they have filled a collection on her credit report. This needs to be corrected and the company needs to respond to my attempts to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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 pulled my credit report for the first time in 10 years and I have derogatory items that is not mine including multiple bankruptcies. These accounts are fraudulent and need to be deleted. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XX/XX/XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}

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 2021-03-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was originally set up for and on behalf of XXXX and XXXX XXXX, my parents. I made a few payments on the Loan on my fathers behalf after my mother passed away in XXXX. However, I was never the owner of the vehicle. I did not enter into any contracts with Santander Consumer USA on my own behalf or as a guarantor for any other person. As such, the Account does not belong to me, has never belonged to me, and should not be reported on my credit report. 
On XX/XX/XXXX, my attorney submitted a request for validation and subsequent deletion of the account, to which Santander replied via letter dated XX/XX/XXXX that they needed more information to validate and verify. I had my attorney prepare an additional letter, dated XX/XX/XXXX, providing the information requested and again requesting the validation and deletion of the incorrect information from my credit report. Copies of all correspondence along with delivery receipts of such correspondence are attached hereto. 
As of the date of this complaint, Santander Consumer USA has not responded nor provided the required validation of the Account. Santander Consumer USAs continued reporting of this account on my credit report despite their refusal and inability to validate and verify the account is in direct violation of the FCRA. As such, I am filing this fraud complaint against Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a XXXX customer. I moved apartments in XXXX and was told to keep my equipment ( modem and router ). I kept my equipment and set it up. The equipment did not function in the new apartment so I was sent new equipment and was not notified electronically or called to return my old equipment. Today I received a call from a debt collector saying I owe XXXX {$120.00}. I pay all my bills on time and I believe XXXX  was reckless in this situation for not notifying me that I owed them equipment. I didnt receive notices or anything. This may be because they sent them to my old apartment but that is their fault, not mine.

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