BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I submitted a claim with bank of America regarding an airline refund through XXXX. The airline provided me with a full refund waiver back in XX/XX/2022, which I promptly submitted to XXXX that same day for processing. Since then, it has been back and forth with XXXX and agents repeating the same thing ( such as the airline asked us to email them the waiver or we will contact you within XXXX business days and I never receive a call ). Ultimately, the airline processed my refund and XXXX held up the money and pretended to be working my case. From the time I submitted the waiver, I saw XXXX reissued an airline credit for the refund to my account and I quickly contacted them to correct that I was seeking full refund to my card and not an airline credit -- which the airline was also giving me my money back and not an airline credit. XXXX told me not to worry and that it was standard procedure until they refunded to my card. I also contacted Bank of America and was told to stay resolving with the merchant first and XXXX told me XXXX weeks to resolve. Now XXXX  months later, XXXX is still giving me run around and my formal dispute with Bank of America was denied because it was outside timeframe, even though they told me to stick with XXXX and let them resolve the issue. I can not afford to lose this money and I depend on the refund for my financial wellbeing. I do not know who to turn to anymore. I have XXXX of pages of chats with XXXX where agents reassured me I would get refunded, only to have the next agent the following week say they don't have enough information. Your assistance would be greatly appreciated here.

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 2015-03-20
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On my credit statements show that I have not paid Medical Business Bureau {$160.00}, this was reported again today, XXXX XXXX, XXXX after I got off of the phone with them to let them know it was paid at the end of XXXX, XXXX - They see that the account has a {$0.00} but are still reporting to collections I have a balance and have refused now, 5 times to provide me with a paid receipt as they say that is " against policy '' - I have never heard of such a thing - I ca n't have proof of payment? I need this closed and taken off of my credit bureaus. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle in XXXX and financed it with Primus financing the car was voluntarily repossessed because of an accident that occurred, and so I had to pay the balance of the loan off anyway. So from the time that I repossessed the car until it was paid off this was around XXXX I believed that it was entirely pay off I had a statement from them on the stated how much I have paid but it was upwards towards {$10000.00}. So I thought that it had been paid in its entirety. So now XXXX years later I get a letter that states that I owed them an additional {$270.00}. The letter stated that it was from a law firm in XXXX Maryland, This XXXX, MD XXXX. They are charging me {$1200.00} for lawyers fees and court costs, which brought the total to {$1900.00}. So I want to know how they can do this without notifying me of the {$270.00} which I would have gladly just paid off if they had proved to me that I still owed it. Now they are garnishing my paycheck and I only make {$10.00} an hour and they are now taking XXXX dollars a week out of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX XXXX which in turn verified several times that this was not my account. The supervisor wrote several letters to Credit Control Corp. Credit Control Corp. was supposed to send the documentation to the Credit bureaus to have the account dismissed. I contacted the The Credit bureaus and submitted multiple disputes, only for it to continuously come back as my account- regardless of the documentation provided from the supervisor of the company. I am now filing A report with the FTC to have Credit control corp held accountable for ruining my credit for an account that they were aware of that I never owned.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I was denied credit from this finance company called ally financial I tried to finance it through XXXX of XXXX I would like to impose that adverse action has occured after the denial of credit also they're in violation of 15 USC 1681b & 12 CFR 1002.7 as a creditor shall not refuse to grant an individual account to a credit worthy applicant on any other prohibited basis which means even if I have a low credit score no matter the circumstance I shall not be denied credit they're also in violation of 12 CFR part 1002 Equal credit opportunity act ( regulation b )

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 2015-08-27
Company: Franklin Collection Service, Inc.
State: IL
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:
On XXXX XXXX, 2015, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Franklin Collections Services that totally alarmed me. I was never notified that is account when it was added to my credit report in XXXX 2015. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. Secondly, I have not had services with XXXX XXXX XXXX, I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. Franklin Collection Services derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does not belong me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with Truist bank. I opted out of overdraft fees, but the say they can still charge them at their discretion. They charged overdraft on XXXX {$5.00} savings account transfers despite me having a pending deposit of {$150.00}. Not the first time they have stolen money or " forgot '' to deposit money on time in order to charge 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 2022-05-17
Company: Regional Management Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for a loan through regional finance the beginning of last month. Upon arriving to sign my loan I witnessed employees cursing, singing, horse playing, verbally communicating other clients private information such as their social security numbers and credit scores aloud in the office while I was sitting there. I also witnessed several other client applications with personal information unsecured all throughout the office, social security numbers were exposed along with all other personal information. After leaving I was told that the employees were badmouthing me, stalking me on social media, and looking up my home address on XXXX They also made XXXX comments about me. I was also told the same things happened to a lot of other customers and they expose their private information regularly. 
I was lied to about the process and the amount I was financing. I was also told additional insurance was not optional and I was forced to purchase it. I was told auto pay was set up and the manager said I dont care, not my problem. I was lied to about that. 
I called to escalate the concern and was treated with extreme disrespect. My concerns were deflected and not addressed, the lady I spoke to tried to invalidate my concerns, she wouldnt listen to me then got combative. She spoke over me the whole time in a very hostile manner, she did not offer me a resolution and told me my complaint was just hearsay and she refused to address it. She disrespected me and my position. Then at the end of the call she yelled the whole time, refusing to let me speak, then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call today at XXXX XXXX XXXX/XXXX/2015 asking for XXXX XXXX my daughter. The person refused to provide me with there name. I asked if I could take a message he proceeded to say we are following up on a previous arrangement made to remove a summons. If she does not contact us today the summons will be processed and she will be charged and possibly prosecuted. I asked him if this was a collection agency he said no we work for XXXX XXXX we are not a collection agency. I said you are not and your calling from an XXXX number. I know fraud deception when I hear it and I could hear the other reps on calls in the background. I told him not to call again to remove my number they will be reported. He kept talking and I hung up. Why did this fool call me right back saying threatening nonsense. I hung up called the number from my cell the company name stated ARA. First of all he broke every FDCPA law in place for dept collection. He did not provide his name or company name, He provided personal information to a third party and stated he was not a collection agency when they are and he made threats. My daughter needs to be compensated for deception, fraud, and providing wrong and untruthful information to a third party. These people could of called somebody else and stated the same information to them. There phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Trident due to noticing a collection on my credit reports. I contacted them for validation. I was sent a print out of a phone bill from XXXX that I did not recognize. I contacted XXXX who said they have no records of the account. I 've attempted on several occasions to get Trident to validate that I owe this money to them & they have n't but continue to report this collection on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2015-06-29
Company: Financial Credit Service, Inc.
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I did n't receive a loan from these people who have now escalated this to a litigation firm ARA. This company has " process '' servers calling me up to XXXX times a day stating I better contact this number to ARA otherwise they will press criminal charges against me for fraudulent checks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Navient Solutions, LLC.
State: DE
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 was approved for COVID forebearance in XX/XX/XXXX. Despite the COVID forbearance program being extended into XXXX, Navient is using the IBR recertification process to kick people like me out of the program and charge excessive fees. There is no where on the Navient site to request remittance to the program. 

Navient only allows borrowers to view messages sent from the company up to 2 years ago so all of the messages related to my COVID forbearance blocked to me. My income after expenses is XXXX per the most recent tax year. Navient acknowledged receipt of my IBR certification and choose to continue increasing the amounts for Interest and Late Fees despite the COVID relief forebearance. They have capitalized the interest several times over the past two years inflating my balance by XXXX  XXXX dollars. 

Row Labels Sum of Fees Sum of Interest ADJUSTMENT XXXX XXXX CAPITALIZED INTEREST XXXX XXXX LATE FEE XXXX XXXX PAYMENT XXXX XXXX Grand Total XXXX XXXX Their customer service agents pretend that COVID forbearance does not exist. They have increased the aggressiveness of their collections as well harassing family members. 

As a result of the continued delinquency report, my credit score has plummeted over 200 points forcing other creditors to reduce my available credit further adding more stress. Navient continued harassment has caused a measurable negative impact on my XXXX health which I have documented with my family doctor. My wife is XXXX  who is now unable to work after the COVID pandemic significantly reducing my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: FL
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:
MY IDENITY WAS USED TO OBTAIN A RENTAL FRAUDULENTLY! 
IN ADDITION TO OTHER UNAUTHORIZED TRANSACTIONS VIA CREDIT CARDS AND LOANS.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX. 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 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 2020-08-06
Company: Convergent Resources, Inc.
State: OH
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 have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX OHIO ), XXXX XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX OHIO ),  XXXX XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2016-12-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
i did a mobile deposit for a payroll check and then 2 weeks later a coworker stole my check and tried to cash it and it didnt work and my bank wells fargo took the money back out of my account and i still havnt seen the money or any feed back letting me know whats going on. 
there not telling whats going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX, Wells Fargo put a hold on my account. No efforts were attempted to reach me. On XX/XX/XXXX, I visited a Wells Fargo branch and I was told that an executive business decision was made to close all my accounts. No explanation was given beyond suspicion of fraud. Interestingly, the same thing happened to my sister on Friday. Now Wells Fargo intends to hold my funds until the end of the month and I have no cash on hand to tide me till then. When I was told that my account was under investigation for fraud, I told them to bring in the cops and lay the evidence on the table and I will also provide evidence to clear my name but they did not respond to that. Wells Fargo has the right to decline to do business with me, just like I have the right to decline to do business with them but they have no right to hold on to my funds until the end of the month. In the judicial system, it is innocent until proven guilty and not the other way around. My rights are being violated and I believe I am being discriminated against because my last name indicates a different heritage other than U.S. 
If Wells Fargo believes that I am involved in fraudulent activities, I demand that they provide the evidence and If no evidence is found, I demand that I be compensated for emotional distress and violation of my rights. They can not benefit from doing business with my held funds and making money off it for the next 11 days. Also, they do not have the right to violate anybody 's rights just because they can. They are not the police, judge or jury. This is bad business practice and should be illegal. If any illegal activity is suspected, involve the law but do not damage an innocent person 's image in the process. 

Consequently, closing my account due to suspected but not proven illegal activities will have a negative effect on my credit report. This is America and this is a violation of my rights. We are not in a dictatorship. I invite Wells Fargo to submit their evidence and I look forward to clearing my name.

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