BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: Sharinn & Lipshie, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter form Sharinn & Lipshie, P.C XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, NY XXXX XXXX..stating that i owe a debt from 2009. I advised the the representative that this is a fraud debt. I have never owed this money nor have i made these charges. The representative hung up and the next day they froze my bank account. When i asked for the XXXX paper work to show that they had the right to freeze my account. They advised me that they do n't need to send me any paper work. I notified them that this is all fraud and they state that they do not care, They will continue to freeze my account. I filed a fraud Affidavit and sent it to them as well.I need my bank account release and my name remove from this debt. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in XXXX I added a stop payment on my account. The amount should have been for {$350.00}. The payment came out of my account the next month. I called to see why the stop payment did not work. The person that put the stop payment put it in for the wrong amount. It was put in for {$380.00}. This is what cause the payment to come through anyway. Due to this payment being taken out of my account anyway, I had other transactions that came through that made my account negative and I was charged {$100.00} in overdraft fees and I had a negative balance that I couldn't get any money for gas, food, or anything else that i needed. This was a bank error and I shouldn't have to suffer from this. I asked the bank to credit these charges and also to send this payment back unpaid. I need that money back in my account as soon as posssible. Yes, TD Bank as given me some courtesy credits in the past due to NSF and Overdraft fees. I am struggling financially and still having a hard time due to having COVID and losing one of my jobs. I do not have any money to give back to the bank. I know that bank charges fees but I am doing my best working as an educator to pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and realized this collection is wrong. This collection is not mine and I have no knowledge of 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 non-monetary relief
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Address wrong. Never lived in XXXX ever. 
Born in XXXX and never lived anywhere else except the XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: Exeter Finance Corp.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have for momths been having issues with exeter finance company. 9 out of 10 times i am greeted with rude csr 's. I have a set prompt of validation questions on my account and have spoken with several supervisors about this and still everytime i call in theres a problem. The representatives are rude and bring me to thw point of just wanting to surrender the car. This company has partneredwith a corrupt dealership to get us ina car we did not want in the beginning and now have been locked in an interests rate that is more than double paying for the car or as if i were buying to brand new cars. They have offered no refinance options and at this point i am in the process of getting a lawyer to mediate the outrageous, unethical amd potentially illegal terms of this contract. I have called on several times to tey to reaolve matters with this company. This car and interests rate is so hi im going to soon just drive it back to the dealership and leave it there. Crooked finanace company with a crooked XXXX XXXX and XXXX. I tols them after i gad the car the first couple pf days i didnt want it but was told i was stuck with it. Horrible service high interests im just over this scandalous company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
There is a debt collector calling me and my children for something my ex-husband owes. The are constantly calling and trying to get information I do n't have nor would I share if I did. The are scaring my children stating the have warrants or his arrest. I asked them today to stop calling and the man told me he would now start calling all the family again. Their number is XXXX, we have saved all the messages, they are giving out personal information. They are looking for a XXXX XXXX, he is my children 's father and my ex, this needs to stop. They made fun of me today for saying that we are saving all the messages, the man said " oh like a collage, how cute ''. I do n't know how to stop them, I block them and they call from a different number.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BBVA Compass Bank has changed my monthly mortgage amount every since loan origination. They estimated my property taxes based off of a parital year payment. When My monthly mortgage went down, I called them up and asked if there had been some mistake. I was assured that there was no mistake and that this was the correct amount for my mortgage escrow. 1 year later I had a {$10000.00} dollar shortage. The bank then blamed me for the mistake and I have been paying off the shortage over a spread of 5 years. Every year I have to submit new documents or the mortgage amount will go up ( which I have done every year ). I recently changed insurance providers and my premium is half of what it was. The bank removed the shortage spread ( even though I have a current shortage spread submitted to them in XX/XX/2016 ) and debited the new amount from my bank account. And so with a reduction with my insurance premium they have INCREASED my monthly payment, removed my shortage spread ( that I was alread approved for ) and debited the money from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: First Recovery Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First Recovery assoc keep calling with a different claim number every time they call with an XXXX number to call back they wont give me any information and ask to verify my last XXXX digits of my SS Its not me and I ca n't get them to stop calling

Company response to consumer: Untimely response
Consumer complaint received 2015-08-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American express shut my card down because they said i had a return payment when i did n't, when in fact they talked to my bank and cleared it up, approved a transaction then stopped it.kept calling my back to see if funds would clear and got a yes each time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions 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:
I've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX  '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!

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 2017-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have XXXX credit cards with capital One that I have never paid late and the payment is paid before the due date and more that the minimum payment. However at one time was an authorized user on my ex fiances capital one credit card account. When we split, he and I both requested that I be removed and he removed off mine. However, even though Capital One removed from my report, they 're still reporting it under my account with them. I have XXXX credit cards with them that have never been late and I always make large payments as well, but when I recently called for an account upgrade, I was told it was denied because " XXXX of my accounts '' is past due. So even though they removed it from my credit file, they 're are still, as I feel, holding his accounts and how he manages his against me which is unfair, considering I was an authorized user on his account, that doesnt make me responsible for the debt. They are continuously holding my payments for 10 days, putting an account lock " fraud '' on my credit cards when I make payments and they said to " verify '' it was " my account '' since I had payments returned in the past ( that was not late ). The last straw was when I applied for a credit limit increase that showed online I was eligible for and how excellent of a customer I 've need, and it was immediately declined. I logged in to view the reason letter and it stated " due to too many inquiries ' so I called customer service and I was told it was due to several missed payments on my accounts. I told them I 've never been late and they started giving me his information that they 're still linking to my accounts. Then they tell me it was a mistake when I get upset for them still holding me responsible for someone else 's accounts. I feel like I am being held responsible for someone else 's debt since XX/XX/2016 till current

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Mobiloans, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I notified them right away that I could n't make the payments right now because of the enormous fees. I spoke to them on the phone to customer service first, letting them know they could call or email me but could not call my employer. They still called my employer daily. I sent them an email to stop calling my employer, they still called daily. I faxed them a statement, referring to this website that they must stop calling my employer at XXXX. I told them in the fax that they could continue to call my cell or email me, both of which they have. But they keep calling my employer daily, sometimes more than once. I can not get personal calls of any kind at work. I just want them to stop calling my work number. I do have supporting documentation but I do n't have it on me at this moment that I 'm submitting this.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with flag star they will not pay my taxes. I have called several times with no answer to questions.

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 2016-12-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I had opened up a prepaid Serve Amex to use for emergencies. I put {$200.00} dollars on when I opened and was just about to add more money when I saw that they had been charging me an almost {$6.00} fee every month. This was not disclosed when I opened the account. I am going to complain to them about itto them, but am pretty sure that they will not refund the fees. I was under the impression that this was like an Amex Gift Card that is not allowed to charge monthly fees. 

So, basically I opened this account so if I was in need in the future I would have at least {$200.00} for an emergency. 

Now after 4 months of fees, my balance is {$170.00}. 

By the time I needed it, I would have nothing. 

This is predatory. It was advertised to help someone build credit, but really they just want fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-09
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX BILLED XXXX FOR AN XXXX FROM OVER 3 YEARS AGO AND IT WAS PAID THEN A YEAR LATER THEY SENT ME A BILL FOR THE SERVICE SAYING THAT XXXX PAID IT BUT TOOK IT BACK AND NOW IM RESPOSIBLE, I CONTACTED XXXX AND THEY SAID THAT XXXX CODED THE SERVICE WRONG AND IT NEEDED TO BE CORRECTLY CODED AND RESUBMITTED. I CONTACTED XXXX ABOUT THE ERROR WAS TOLD IT WOULD BE TAKEN CARE OF AND NOW THEY ARE TRYING TO CONTACT ME FOR PAYMENT AGAIN.

Company response to consumer: Closed
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have notice per credit report that XXXX XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX, I requested to make sure my credit was correct and accurate, through the Experian credit reporting. When I received the updated version of my credit, I found several errors, After it was certified to be accurate incorrect, In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-04-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX XXXX constantly directed me to do forebearance after I informed them I couldnt pay them the amount they were asking. I was never told what forebearance was and that it would increase my principle, instead, they told me this is the only thing I could do if I could n't pay that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Oracle Financial Group LLC.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me again

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 2017-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had rented a safe deposit box since XX/XX/XXXX.The rental fees were paid always before the due dates. 
XX/XX/XXXX - I received a notice dated XX/XX/XXXX from Bank of American : notified me that my safe deposit box was forced open by drilling the lock due to no receipt of requested renter ( s ) information. 
XX/XX/XXXX & XX/XX/XXXX I took my time off from work to meet with BoA representative to handle the issue. I was forced to make payment {$150.00} for the drilling fee in order to submit the request to get back my contents of the box.. 
XX/XX/XXXX I found there were missing documents, a broken jewelry and a XXXX-gram gold plate during the safe deposit box contents check. After that, I had to take back the contents immediately although the safe deposit box fee had been paid for the period until XX/XX/XXXX. I was getting the risk to transport the contents to my home. 
XX/XX/XXXX I mailed a Customer Loss Claim information to BoA 's representative. 
XX/XX/XXXX I emailed the BoA 's representative to follow up the loss claim form receipt. 
XX/XX/XXXX I mailed the Customer Loss Claim and the email copy by certified mail to the the BoA 's representative, trying to confirm receipt of the claim. 
XX/XX/XXXX I received a call from the BoA 's representative informing me that the claim information was forwarded to an investigation unit which will contact me directly. 
XX/XX/XXXX I received a denial letter dated XX/XX/XXXX. 
From the above experience, I believe the bank treat me very unfairly and I do n't think it is safe when you put your important stuff in a bank 's " safe deposit '' box. 
1 ) I do n't understand why Bank of American just sent me A REGULAR letter before forcing to open the box. 
2 ) Why Bank of American opened the box without informing the customer who was paying the fee in time, never delay. 
3 ) Forcing customer to pay the drilling fee without good reason. 
4 ) During the whole period of time above, the Bank of American representatives did n't apologize or thank for anything to me. I do n't think they were doing their job professionally!!

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 2016-04-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a fraudulent charge made on my Macy ' American Express credit card XXXX weekend 2015. It was for about XXXX to the XXXX. It has not been settled by the \ Macy 's American Express card and since rejected they expect me to pay an additional XXXX dollars in interest and fees. They told me that I should not pay the charge since I did not make it then they rejected the claim after sitting on it for 6 months because they said that they did not have enough information. 
In regard to the following problem, I have recently written letters both to the Fraud department and Macy 's in addition to placing multiple phone calls involving wait times over an hour with no resolution. Have filed a police report. No replies to any paperwork submitted to the fraud department. Is there a way to sue the XXXX XXXX? Can they be taken to small claims court? 

They refused to remove a fraudulent charge from my Macy 's card and after 7 months the charge has increased from {$140.00} to {$350.00}. I called the original vendor and I can not find out what the charge was for. They have no record of anything being send to my house. This is usually the hallmark of a fraudulent charge. 

The Fraud department sent the charge back to collections so I am expected to pay all these charges plus interest and fees for something that I did not buy. 
Over a 6 month period, I have spent at least a day 's worth of hours on hold with the credit card 's Fraud department. One day I was on hold for 1 hour, then they hung up and so I called back. I was on hold for another hour and half until someone picked up. Even when you actually reach someone the fraud department, you can not talk to anyone who actually has knowledge of the case. That is another level away. They just take a message and obviously do nothing. 

DO NOT APPLY OR CARRY THE AMERICAN EXPRESS CAR THEY COMPANY AND ARE ABOUT TO GO DOWN THE TUBES. THEY WILL RUIN YOUR CREDIT OUT OF SHEER LAZINESS!!!!!!!!!!!!!!!!!!!!

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