BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-28
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I receive monthly benefits from S.S.I. XXXX. On the first of each month my benefit payment is put on a debit card in the amount of {$730.00} via a Comerica Bank Direct Express Mastercard debit card. On XXXX XXXX, 2016 I discovered that my balance on the card was only {$140.00}. I only used my card to make a purchase on XXXX XXXX, 2016 for about {$15.00}. As soon as I discovered that several hundred dollars was missing from my account I called the phone number on my Direct Express Mastercard to report that my funds were not in my account. It took me over two hours of waiting on hold and repeatedly getting hung up on before I was able to contact the Comerica Bank Direct Express fraud line. I reported to them finally that my money had been robbed from my account. They informed me that someone in Florida had withdrawn several hundred dollars from my account at an ATM at a XXXX store. I live in XXXX XXXX XXXX and have not been to XXXX. I ask the fraud line to hold off on cancelling my card till I could go to a Comerica Bank ATM where I was able to withdraw {$140.00} of my {$140.00} balance. Even though I used a Comerica Bank ATM I discovered they still charged me a {$3.00} fee for using their ATM. After much difficultity and a long wait on the phone attempting to call Comerica Bank back to cancel my card. They told me that within ten days they would mail me a fraud form that I would have to fill out and mail back to them and then they could conduct a fraud investigation that would take up to 45 days before I could get my SSI XXXX funds refunded to my account. Today is XXXX XXXX, 2016 and I have not yet received the form they promised to send me to start the process to get the money stolen from me back. On XXXX XXXX, 2016 I opened my own direct deposit bank account with another bank since evidently the Comerica Bank Direct Express system is not secure and due to a fraudulent breach of their data base my money was stolen from me. I have only used my card to either make ATM withdraws or to make purchases at the store and to pay utility bills. I have never used my card to make any purchases online nor used it in anyway to put the security of my card at risk of theft. As a consequence of my money being stolen from my Comerica Bank Direct Express account I have not been able to pay my bills and have suffered serious financial hardship and had to lean on family members and friends just to eat and try to get by without the money from my SSI XXXX in the month of XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Comerica
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I had my directexpress card stolen and reported it within XXXX hour and closed it. I made a police report that same day then found out were it was stolen. I went to the minimart and talked to the manager and watched the tape of some woman stilling it..I then made several calls to the bank to resolve the issue. XXXX month later I finally received there form and sent it back. Two weeks ago I received a letter from them stating that they could not confirm that fraud occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 163 DAYS SINCE I FILED A DISPUTE. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Progressive Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I work at XXXX where we are not allowed to receive personal calls. I was contacted by a employee of progressive financial services while at work. I explained that I was not allowed to take the call at work and quickly hung up to avoid getting fired. I was called again at work the very next day by the same employee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I Provided XXXX insurance cards at time of service, returned to XXXX provided second copy of insurance, called XXXX three ( 3 ) times leaving voice mail requesting a call back. Emailed XXXX ( A Division of MST Financial Solutions, LLC ) once ( 1 ) via their website and called leaving voice mail twice ( 2 ). Did not receive a response from any attempts to contacts XXXX or XXXX After repeated disputes with XXXX on this issue, I finely received a call from XXXX. I informed XXXX of all stated above and that XXXX failure to bill in a timely manner if at all does not make this my responsibility and demanded that this be removed from my credit report. XXXX informed me it 's my burden to provide proof of coverage, which I sent yet again. I expected this to be removed from all XXXX credit agencies and they have taken little to no action to remove their fraudulent collections attempt besides sending me a letter stating they would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am being denied the right to extend credit due to Capital One Auto Finance reporting late payments and a repossession for an account that I opened with XXXX XXXX XXXX. I had no dealings with Capital One Auto Finance, and we never signed any contracts. I am alleging that the XXXXXXXX XXXX XXXX  and Capital One Auto Finance worked together to deprive me of my rights concerning the RETAIL INSTALLMENT SALES CONTRACT. I never spoke with anyone from Capital One Auto Finance at the time of signing any documents meaning there wasn't a meeting of the minds with any of Capital One Auto Finance Agents, which could only mean Capital One Auto Finance and XXXX XXXX XXXX aided and abetted to deprive me of my rights. Capital One Auto Finance I allege that you were just either a servicer or a third-party debt collector and you violated my rights by not properly disclosing who you were and that you were absent for the meeting of the minds at the time of signing the contract. 

According to the CFPB a RETAIL INSTALLMENT SALES CONTRACT is not a loan. 
A loan is a transaction between you and a bank or other lender for money, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest. A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest. A dealer could sell the retail installment sales contract to a lender or other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to update my personal information because it has been given me problems with me logging in to other accounts with Government they been asking me about questions that does contains me which is causing them not to me able to verify me which has been cause delays with financial issues I need to update my address date of birth and job location I have a copy of social security card birth certificate and Driver license to prove my proof of claim of residence and date of birth and employment

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 2016-06-17
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX I contacted XXXX XXXX and paid the final bill of {$1800.00}. Then over 1 year later starting in XXXX XXXX we started be contacted by ACEI to collect the final amount of {$470.00} ( +/- ). We have not only confirmed that our balance is paid in full with XXXX but I also have a final statement. I have explained this to ACEI and they do not accept that. Not only was I not made aware that this went to a collection agency but I also do n't agree with their added fees.

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 2015-04-09
Company: Consumer Asset Management (Texas)
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My mom has been getting phone calls for 13 years about an old bill. Yes from 13 years ago. They have threatened to remove her furniture, take money off her credit card and now contacted mom 's neighbors to knock on her door. My mom is XXXX years old and almost completely XXXX. These people almost gave her a XXXX XXXX this week. Especially when neighbors are involved. 
My mom 's name is XXXX XXXX. resides in XXXX. I told XXXX XXXX she is in a XXXX home, so she stops calling. 

I have called debt management to confirm statue of limitations is 7 years. They have called relentlessly for years. 

I would like your help in contacting them and I would like to press charges for their scary tactics that has seriously done damage to us. 
They are XXXX XXXX XXXX XXXX XXXX TexasXXXX XXXX is the nasty lady, her number is XXXX XXXX but she picks up the call. 

Thank you so much, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-11-09
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXCredit Bureau SystemsXXXX put a derogatory remark on my credit report, which affected my credit score badly. They mentioned that i owe {$60.00} from XXXX XXXX, XXXX Kentucky, since XX/XX/2022. I had already paid this amount on XX/XX/2022 at XXXX. I still have the receipt for this amount as i paid this online, as advised when the Credit Bureau Systems called me on that day. I dont know why they put a remark as not paid. I dispute this charge, and ask them to remove the remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, at XXXX I received a text from Chime stating that I changed my email address and phone number but I didn't make these changes. Someone hacked my account and took my money. I contacted Chime customer service and they said that they would put in a dispute with the fraud department and stop any transactions or transfers that these people did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We are trying to sell our home in a short sale due to a divorce/pending foreclosure. We also filed bankruptcy and our 2nd mortgage was supposedly included in that. Now the 2nd mortgage company, Ditech, is demanding {$20000.00} even though they have charged off the debt. 

The 1st/2nd mortgages were originally obtained through XXXX and the XXXX went to XXXX and the XXXX went to Ditech. Neither XXXX of these companies seem to want to settle this all once and for all. Our short sale contract has now been dragging on for 9 months. Meanwhile, XXXX filed to proceed with foreclosure even though we are doing our best to short sale and move on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no idea where this collections is coming from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: AUTOMOTIVE CREDIT CORPORATION
State: IL
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:
Today XX/XX/XXXX my truck was repod only being couple months behind and down-payment was XXXX when I got truck then they charged me for insurance on laon when I have full coverage insurance always

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX this account has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 Determination of finance charge 15 U.S.C. 1681s-2 ] Responsibilities of furnishers of information to consumer reporting agencies During Late XXXX early XXXX Ive sent off a goodwill letters advised by my lawyer, spoke with management during Covid 19 times is when mostly everything accrued tried to set up arrangements. Ive gotten no compassion no nothing but them violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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/XXXX, I reached out via courier service to Portfolio Recovery Associates , LLC asking them to please validate the debt they are currently trying to collect with my name on it. In this letter, I asked them to send me the following pieces of information to validate the debt. 1. The original contract with my wet signature on it. 2. The original creditor and their information. 3. Payment history including itemized billing. 4. Proof of ownership. 
On XX/XX/XXXX I received some of the information requested stating that they had completed their investigation of my dispute and found that the following pieces of information validates the debt, however, they did not send me the original contract nor all of the payment history including itemized billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Social Finance, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Went to lenders website and filed in base information. I.E. type of loan, reason for loan amount requested and my contact information. Got automatic reply stating that the loan was pre-approved! Went through the steps required, sending more information and answering replies to their emails regarding back up documentation. 

Sent email to CEO as requested on their website and was contacted by their consumer relations department. 

Received email two days later that loan was not approved for reasons they would not explain over the phone and the other reason because I had high revolving credit which is what I stated the purpose of the loan was to correct! 

Sent second email to CEO stating I thought their site advertising saying the loan was preapproved was misleading and false advertising and stating the obvious about the reason given for the decline response was the exact same reason I had applied for the loan. Again, no response from him but a contact from his consumer relations department saying they could not give me the real reason the loan was turned down over the phone but she could send me the credit report that violated their terms and conditions. These terms and conditions were never explained to me or listed anywhere on their website or advertising. 

This has caused me to again search for a personal loan from other companies and put another inquiry on my credit report for pursuing a loan so the next company can say to many credit inquiries as a reason for turning down a possible loan. Plus has set back the timing of consolidating my resolving credit situation costing me $ $ 's in interest at the higher rates. 

I believe their methods are very deceiving to the consumer and practices of asking for communication with the CEO are also a deceptive practice when he never really sees the complaint or addresses the issue even though it is promoted that you will communicate directly with him and they use his personal email as the communication point. 

I would classify this lender as a buyer beware company because they are not upfront with their practices and lending criteria. Just looking to take people off the market in the hopes of securing the business from other lenders. 

Lender SoFi Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I applied for an HSBC Choice Checking Account after visiting their website and being offered a {$200.00} account promotion. I have screenshots and saved emails showing the terms of the promotion, which state : " Open new HSBC Choice checking account by XX/XX/2018 ; and Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance. 

I met all terms and conditions more than 2 months ago on XX/XX/2018, but they still haven't paid the bonus. The official terms state " You will receive the {$200.00} welcome deposit in your new HSBC Choice Checking account approximately 8 weeks after completing qualifying activities. '' Well, more than 8 weeks have passed and they continue wasting my time instead of honoring the contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company promised to delete items from my credit bureau files in return for payment in full on XXXX medical accounts. They promised to provide written documentation and electronically delete the items immediately. They never sent the deletion letters as promised and demanded I send a self addressed envelope fro a " second mailing '' per the company policy. I have received the letters for my records but the items remain on my credit files months after the agreement and payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Stellar Recovery for an alleged debt in the amount of {$620.00} on XX/XX/2017. I responded to the letter requesting debt validation on XX/XX/2017 via certified mail. Letter was delivered on XX/XX/2017 but the credit agency never responded for which, they should have responded within 30 days. The said debt collector is now in violation of FTC compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We were served with a law suit from XXXX and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.

Company response to consumer: Closed with explanation