BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
When recently purchasing a new XXXX vehicle, I went online to the Ford website and got pre-approved for their financing. The website directed me to print out my pre-approval and take it to the dealership when purchasing the vehicle. When I went to the dealership, I gave them my pre-approval. They made me fill out a whole new credit application even though I questioned why I was being asked all the same questions I had answered online on the Ford website to obtain approval already. They said that they did not have access to that information, even though the Ford site said that the dealership would be able to look up my information and provided a reference number for them to use to access my pre-approval. I believe the dealership ran my credit again unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Repeated telephone harassment of me, my XXXX adult children and ex-husband over an old credit card debt that expired under Maryland 's 3-year statute of limitations well over five years ago. Falsely claimed there is a court suit pending against me and that more legal action is pending, also false. Have asked them to cease and desist this harassment to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF ED/XXXX  Account # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 i made a deposit of XXXX to my checking account. My posted balance was XXXX. As i continued from XXXX XXXX using my checking account my balance as of XXXX XXXX, 2016 was XXXX. On XXXX XXXX sometime around XXXX to XXXX i went to my local gas station to withdraw XXXX. I knew when i withdrew this money my checking account would be in the negative and i would be responsible for the overdraft fee, which would put my account around XXXX overdraft fee included. XXXX XXXX i looked at my account to see if the overdraft fee had been posted, my account was negative over XXXX. I was charged XXXX in over draft fees on transactions i was shown had already cleared ( earlier in the week ) I was charged another XXXX for transactions which were made prior to the XXXX atm withdraw and were shown to be cleared. On my bank statement it shows these transactions being withdrawn on XXXX XXXX and the atm on XXXX XXXX. I do not feel I am responsible for the overdraft fees ( especially when my account shows they were withdrawn ) when the purchases made prior to the atm withdraw were clearly covered do to the deposit on XXXX XXXX and these transactions were made prior to XXXX XXXX. I was also informed that BB & T does not do any transaction Thursday through Sunday which is false for i have proof of several transactions being deducted on Thursdays and Fridays. Ive tried contacting BB & T by walk in and by phone and no one will help me understand why i should be responsible for these fees. I am on a limited income and a single mother of XXXX children. This has financially drained me this month for i am unable to pay my bills due to these charges.

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 2015-12-22
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I went through XXXX and was contacted by quicken loans for a refinance. I was told by XXXX XXXX of quicken loans that I could get cash out to consolidate debt. I asked what if my residence did n't appraisal for 80 %. XXXX of quicken loans assured me it would and there was no chance it would n't. It did n't appraise for that amount ( 80 % ) and now quicken loans is only offering a refi with no cash out which would actually lose me money. They made false promises and now charge me {$500.00} for the appraisal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: SYNCHRONY FINANCIAL
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
My problem began when I purchased a piece of excercise equipment thru paypal credit on XXXX. When the new month began i received an email telling me because i am XXXX i am being enrolled in the paypal credit payment security program, I have the email saved where it says i will only pay XXXX $ for every XXXX dollars i spend so i spent more money than i could pay back. Now that it is time to pay it back they say i have to be XXXX after making the purchase but i am under the continued care of a doctor who is telling me not to work. please send me an email address to forward the email to.

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 2022-10-02
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a savings and checking account at BECU which I have been trying to close since last year. Some time last year, i tried to deposit a 2 party check and they XXXX my access to my account which seems illegal. When I phoned in, they refused to remove the block. Unlike every other bank who would hold and reverse funds, they chose to remove all access i had to my account. 

Since then, i have tried to close my account in many ways, online, on the phone etc. 

On a phone call, i was told that BECU does not permit closing accounts on the phone and i must visit a branch ( which i cant ) or i must mail in the form. 

I downloaded the closing form and the fax number BECU has for account closing requests is also shut down. 

Then I mailed in a letter last month and I got a missed call from BECU but still no check and no confirmation of account closure. 

I would like BECU to close my account and send me my funds. I also dont know if they have tacked on any illegal fees since I literally have no access to my account or visiblility to it for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I recieved a bill from this company and one piece of correspondence, I loggedica on to thier site and made a payment. I attempted to log back in the following month to remit additional paymetns. The log in did not work. i contact the company and did not receive any communcaiton back. I received notification from my credit protection service, that there were derogatory marks on my credit report. They had placed my accounts into collection. As a result my credit score dropped XXXX points in one month. 

So bascially after one month, with no communcation they placed my account into collection without any written correspondence or phone correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
SYNCB/AMEG D XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I open a bank account with BB & T on XX/XX/XXXX account # XXXX. I opted in for ACH check overdraft review but specifically instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions. On XX/XX/XXXX, I closed the above mention account number because the account had been compromised and opened a BB & T Bright Checking Account ending in XXXX. The representative that assisted me was XXXX XXXX NMLS # XXXX at the Branch located at XXXX XXXX XXXX XXXX, NC XXXX. Again I instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions but to opt in ACH check overdraft review only. On XX/XX/XXXX I went back into the branch to speak to XXXX XXXX and advised him that I thought that I had inadvertently made over draft changes, on the voice response system on XX/XX/XXXX, for debit card overdraft review and wanted to make sure I cancelled it and to instruct BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there are not have sufficient funds in my account. I was assured by XXXX XXXX on XX/XX/XXXX that I was only opted in for ACH check overdraft review only and opted out for ATM and debit card transactions and no overdraft changes had been made. On XX/XX/XXXX, I was charged {$100.00} for XXXX debit card transaction fees, {$36.00} each for debit card transactions authorized when there were not sufficient funds in my account. I spoke to XXXX XXXX on XX/XX/XXXX he advised that he had misinformed me on XX/XX/XXXX about the overdraft changes because it takes three days to show any changes authorized on the voice response system, so he would not have seen the change, on the day of our conversation XX/XX/XXXX, that could have taken place on XX/XX/XXXX, because it would not have shown in his system until XX/XX/XXXX. I told him I need to be credited to my checking ending in XXXX for the bank fees charged to my account by no fault of my own since I had instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there were not sufficient funds in my account. XXXX XXXX advised he could only credit XXXX bank fee of {$36.00} on his level and that he would have to submit the other XXXX bank fees totaling {$72.00} to his superiors for credit and he would call me back but I have not heard anything from him and my money has not been credited back to my BB & T Bright Checking Account ending in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to the Equifax by mailing a letter First XX/XX/XXXX asking them for verification on Account XXXX I requested them to please investigate and delete from my credit report because I knew it wasn't accurate. It lacked any information about who was the debt collector reporting this inaccurate information that also violated my rights. They responded that they " verified the information ''. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and said they needed me to verify my identity. Which I did. On XX/XX/XXXX Equifax finally responded with who was reporting this inaccurate information and they told me XXXX XXXX XXXX. Being that XXXX received my dispute back in XXXX via Equifax they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. They are claiming that this is a medical bill. I am allowed under the XXXX  law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also XXXX. This account, account number # XXXX to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
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:
Hi, I XXXX XXXX have been dealing with an issue with Experian over the past 6 months in which they have claimed to have received my FTC Report in XXXX meanwhile it is XXXX. They are including po box XXXX XXXX, NY XXXX that is attached to several delinquencies on my credit report in which these accounts do not belong to me or pertain to me in which also the XXXX XXXX doesn't and it isn't registered in my name. I live in Florida and the XXXX XXXX is located in New York and I have called Experian countless times and spoke with multiple representatives. Recently, I spoke with XXXX in the specialized disputes department with Experian and he stated over the phone that this would be taken care of and that the XXXX XXXX would be deleted as this is not a residence. However, the XXXX XXXX still remains on my report which is a violation of multiple 15 USC Laws and FCRA violations. A company by-law can not hold a address against me that I do not own and currently don't reside. Not only this but they are soliciting wrongful and incorrect information pertaining to XXXX XXXX and XXXX for accounts that I never had.

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 2022-10-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Recd a PayPal credit card statement via certified mail. I dont have a PayPal credit card and the statement has very odd charges listed.

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 2022-06-03
Company: Consolidated Information Services Solutions, LLC
State: NJ
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:
I do not recognnize the following inquiry UNIVERSAL CREDIT SERVICE ( Miscellaneous ) XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The Bureau of Consumer Financial Protection ( Bureau ) has reviewed repossession and servicing activities by Nissan Motor Acceptance Corporation ( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent wrongfully repossessed some vehicles despite having agreements in place with consumers to prevent repossession ; ( 2 ) Respondent, through repossession agents, kept personal property that was located in consumers vehicles at the time of repossession and would not return that personal property until consumers paid a fee for its storage ; ( 3 ) Respondent, through its service provider, deprived consumers making auto-loan payments by phone of the ability to select a payment option with a significantly lower fee than the one they were XXXX Document 1 Filed XX/XX/XXXX Page 2 of 40 charged ; and ( 4 ) Respondent made a deceptive statement in its agreements to extend consumers auto loans that appeared to limit consumers bankruptcy protections. These actions violated the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536. Under Sections 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Merchants and Medical Credit Corporation, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I want XXXX to release the illegitimate lien on my house. 
I want them to return the {$160000.00} I have overpaid for my house for money I already paid to someone else for properties I do not own. I refinanced a loan to PAY off the balance ( as in the LENDER pays it off and applies my principal payments not add more for giving me nothing ). not finish paying for it before another XXXX loan kicks in!!! 
I want SPS to find out EXACTLY which loans were actually PAID and which loan they are trying to illegally collect from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
I recently obtained a copy of my credit report and noticed that there is information reported inaccurately. I disputed these items : XXXX XXXX  XXXX, XXXX XXXX XXXX, Navy Federal XXXX Union XXXX. On XX/XX/2022 I mailed out dispute letters to XXXX, XXXX and XXXX stating all 3 of those items were incorrect and if not verified item needs to be deleted and removed. It has been XXXX days and I have not yet received any feed back from all the companies. I need all items to now be deleted and removed. I have been denied credit cards ( to help build my credit score ) a loan program for a home for my children and me. This inaccurate credit report has impacted my life negatively. This must be deleted and removed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation