BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander auto financial had sent a letter from a lawyer at XXXX. My wife had called them to make arrangement for payment. She was told that if she paid XXXX dollars by XX/XX/2017, that she could make a payment on the first at just keep making payments until caught up. Well, today Friday XX/XX/2017, I XXXX XXXX XXXX XXXX was severed with a court summons to the fact that Santander is placing a judgement against us and in the court of XXXX, Wisconsin. When I called the corporation to talk about the matter, the person that took my call was very rude and empathetic to the fact that my wife was in a car accident and the fact that we have had to pay medical bills, her out of work and getting my car put back together. As a matter of fact, she said that I was lucky that I lived in the state of Wisconsin, because if not they would have already repossessed the vehicle. At this point she started becoming even more rude to the fact that she was talking down to me. I have a XXXX XXXX in XXXX and I told her that this is not the way to do business but of course being a big bank they can do what ever they want. I am a XXXX veteran, which is willing to work on this but the unforseen car accident put a strain on finances and this corporation does not care about anything but there money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: PNC Bank N.A.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went to XXXX XXXX XXXX with an ad to purchase a XXXX XXXX XXXX for {$16000.00}. I was told this was the purchase price and signed documents with the correct purchase price. When I was at the dealership, I informed them that I did not want my credit pulled repeatedly and that I was already financed with XXXX  XXXX. They stated that they could not give me the sale with XXXX XXXX and that they would run my credit with one other company. They ran my credit with 9 other companies. When I left the dealership they gave me a manila envelope which they stated contained the financial documents. A few days later, I received an email from the dealership stating that I needed to pay {$500.00} more. The dealership was unable to explain the purpose for the additional {$500.00}. When I received a copy of my credit report on XX/XX/XXXX, I noticed that PNC listed the loan for {$33000.00}. I contacted PNC to find out why and they informed me that the documents from the dealership provided these amounts. I went to the dealership on XX/XX/XXXX but was informed that the general manager was not there. On XX/XX/XXXX after two weeks of trying to reach the dealership, I sent an email. I went back to the dealership on XX/XX/XXXX to inquire about the mix up. The general manager, " XXXX '' printed a copy of the documents and I noticed that the documents did not contain my signature or initials and that someone had forged a signature that did not look like my signature nor appear to be my name spelled correctly. I informed the XXXX that I did not sign those documents and that there was fraud. He offered to give me {$3000.00}. I explained that it would not resolve the issue of being overcharged by {$16000.00} and he informed me that there was nothing that he could do and that his employees would not forge someone's signature. I did not authorize anyone at the dealership to sign my name. I never saw the documents with the {$33000.00} amount until I obtain a copy of the altered documents on XX/XX/XXXX. I immediately contacted the bank, police, and credit bureaus to inform them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
For many months now I have received automated calls to my number XXXX, often twice daily from the Synchrony Bank requesting contact with XXXX XXXX. I am not XXXX XXXX, I do n't know anyone by that name. XXXX XXXX has never lived on my address. I received my phone number about two years ago from XXXX XXXX XXXX Apparently it was a " recycled '' number and may at XXXX time have been the number for the XXXX family ; I also received many other calls intended for various members of the XXXX family, but the Synchrony Bank calls are the most annoying ones. My attempts to discuss the matter with Synchrony Bank have failed because when I respond to a call, the automated response asks me for the account number or other identifying info. which I, of course, do not have. When I called the main number and finally was able to speak to a live person, I was transferred to XXXX different departments and finally to the " Fraud Department ''. The connection with the " Fraud Department '' was so bad that I could not understand them and they could not understand me. At one point I was told that I have XXXX accounts with the Bank. I tried unsuccessfully to inform them that I have never had any account or any other dealings with Synchrony Bank. I also have tried call blocking through XXXX which gave me relief for XXXX short time but then the Bank apparently switched to another number from which to call me. So, the calls continue. I would greatly appreciate if you could communicate with the bank in my behalf. I am XXXX years old, have an outstanding credit record and feel I am being harassed by Synchrony Bank. My assumption that Synchrony Bank would eventually recognize that these calls are fruitless for them was mistaken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I made a request for a copy of the online application filled out online to get this credit card XX/XX/2018.

I did not receive.

May I have a copy of my application filled out online to get this credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
1. On XX/XX/XXXX, I had heard of a lead vendor named XXXX which is supposed to supply lead info for mortgage inquiries by consumers- through previously unknown members of a XXXX Group for mortgage loan originators. In hindsight, I guess they were apparently working as solicitors for this scam ( see attached pdf titled, solicitors ). 
2. Believing their recommendations, I contacted the company XXXX and spoke with XXXX XXXX on XX/XX/XXXX, who verbally promised me everything I was told by the two solicitors and also promised to give me a free bump up to Advanced package for Starter price ( which entitled me to XXXX NEW lead credits for next 6 months, + 2 free XXXX day old leads per day [ Legacy Lead, they called it ] ) ( see attached pdf Verbal Promise page 2 ) there was no contract signed, no DocuSign agreement- all of this was verbal- I am just a stickler for details so I had e-mailed this screenshot to myself at the time ) 3. I was sent an e-mail receipt during off-business hours on Sat XX/XX/XXXX XXXXXXXX XXXX ( see attached pdf titled Receipt from XXXX ) 4. Within 24 hours of utilizing their system, I realized that the data were false and these people whose information XXXX is selling never applied for any of this, so I contacted XXXX and demanded immediate cancellation and full refund. ( Please see pdf titled, Cancellation & Refund Demand in Writing and Some of XXXX Complaints ) 5. Once XXXX called back and stated there is no refund, I hung up and called Wells Fargo and filed a fraud claim on XX/XX/XXXX, the same day the charge appears on our business account. 
6. Wells Fargo sent us their first letter dated XX/XX/XXXX informing us of provisional credit of {$2100.00} we were charged by XXXX. ( please see pdf titled, 1st Ltr received from WF XXXX '' ) 7. On XX/XX/XXXX at around XXXX PST, I contacted Well Fargo and spoke with representatives XXXX XXXX XXXX at Wells Fargo Claims Assistance Center , as well as a supervisor named XXXX XXXX explaining the scam I was victimized by in detail. 
8. On Tuesday, XX/XX/XXXX XXXX XXXX, I sent a detailed e-mail to Wells Fargo Fraud Investigation Dept ( please see attached pdf titled, E-mail to WF XXXX '' ) 9. Wells Fargo sent us their second letter dated XX/XX/XXXX informing us that they will take back the provisional credit of {$2100.00}, were charged by XXXX, stating " charges were made by you or someone who had your permission. '' ( please see pdf titled, " 2nd Ltr received from WF 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 2015-07-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
GAP employees were giving false credit check information in order to convince customers to open store credit cards. My credit score is affected negatively and I have no way of reversing the credit inquiry. 

I had a Banana Republic credit card I opened years ago while in college. Recently when I was making a purchase at Gap on XXXX/XXXX/15, a sales rep ( cashier # XXXX, store # XXXX ) looked up my account using my social security number. She informed me I could use that old account WITHOUT having a credit check. I doubled checked with her XXXX times to make sure there would not be a credit check. Nine days later on XXXX/XXXX/15, I received a brand new Gap card in the mail that stated I have been a customer since only 2015. I called the Gap credit card number and found out to my surprise that my credit did get pulled for a brand new Gap card! In fact, I would never have agreed to have my credit pulled for a new credit card under any circumstance as we are in the process of buying a new home. I tried speaking with a customer service supervisor and was told the wait would be hours to get one on the phone. I said I would wait and was told by the representative XXXX that her supervisors " came over XXXX '' to inform her I have to call back in the morning to ask to speak with a supervisor. She said the best she could do was close my account, without promise of any reversal in my credit pull and the negative effect on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: USA DISCOUNTERS LTD
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had opened a jewlery accout with XXXX in XXXX XXXX XXXX for the purchase price of XXXX, my wife was making the payments and the balance in XXXX XXXX reflected XXXX i called XXXX in XXXX virginia and they sent me a account history that had a begining balance of XXXX and my contract is clear. XXXX, we have over paid on the account and they wo n't talk to us or make restitution to the over payment and are still charging us interest. with a balance of over XXXX this is inaccurate and there are no stores left to speak to any live person and the office in XXXX wo n't talk or return calls/ emails. I have the original contract to prove my claims.

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 2015-06-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Application processing delay

Complaint:
My complaint today is against Synchrony Bank for the lowes credit card. This is the second time i have applied for their card and they have declined me without merit. I believe that they are discriminating against me for my Age. I am putting in this complaint to make the CFPB aware of the illegal practices that Synchrony Bank is taking. They have no merit to decline me as you will see my XXXX XXXX Credit Report which is the report that they pulled is free of delinquencies and I have over an XXXX Fico Score. I am also attaching the Application Reference Number they provided on the XXXX XXXX Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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 2017-12-12
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am a user on XXXX and am trying to transfer my XXXX from my XXXX Etherum Vault to my XXXX Etherum Wallet, however, it appears that some how my secondary email ( which is needed to confirm a transfer out of a coinbase vault ) is incorrect. On XXXX/XXXX/XXXX I initially created a withdrawal, however, after 3 weeks my XXXX was still not available. I called XXXX Support on Monday XX/XX/XXXX and was told they are unable to change my secondary email address. The only way I can access this currency is to have my primary and secondary email approve the withdrawals, so unless XXXX can help me, my Etherum is inaccessible. 

A secondary issue that I have been dealing with sinceXX/XX/XXXX is my account is locked, so I am unable to make any additional transactions. I have called and emailed support upwards of 20+ times and have never been given a way to unlock my account. The phone support says to email my issue, but when I email, I never receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank, during the month of XXXX 2015 closed my Chevron Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Chevron Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Company told us we would have to re-apply for another loan through them to get a lower interest rate. We are currently paying 19 % interest. Florida is considered a COVID-19 Pandemic FEMA State Disaster Declarations and now with a stay home order. They will not help us with out payment of {$470.00} in anyway and are charging late fees to extend the due dates by two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I requested a payoff of my Chrysler Capital auto lease to purchase the car and received the payoff letter dated XX/XX/XXXX by email. The payoff included the vehicle purchase price, purchase option fee, unpaid vehicle property tax ( {$330.00} ) for XXXX, and miscellaneous fees all of which I agreed with. I sent the total payoff amount paid by cashier check issued by my bank to Chrysler Capital by courier. The payment was posted to my account XX/XX/XXXX. On XX/XX/XXXX I received a demand for unpaid vehicle property taxes of {$380.00} for XXXX. In reviewing my past account statements I found that the company incorrectly allocated my payment of {$690.00} on XX/XX/XXXX to the base lease {$650.00} and sales tax of {$39.00}. The allocation should have been base of {$350.00}, property tax {$300.00}, registration fee {$15.00}, and sales tax of {$21.00}. 
My complaint is that Chrysler Capital ( aka Santander Consumer USA ) misapplied my property tax payment in XX/XX/XXXX, collected an additional {$330.00} at the time of pay off, and is overbilling me for {$380.00}. I have told each agent I spoke with that I am in agreement that the {$330.00} was an estimated amount and that all I owe is the difference between the requested amount and the amount included in the payoff amount. My account reflects " past due '' although I paid the full amount in the payoff letter by the stated date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
-On XX/XX/XXXX I phoned in my {$97.00} monthly payment for account XXXX. 
-I had previously submitted a request for ACH automatic payments from my bank account. 
-Representative informed me on XX/XX/XXXX that she sees it processing in the system and it should be operation and take care of my next payment. 
-As advised by bank representative in XXXX, I expected XXXX 's payment to be drafted automatically from my bank account. 
-The XX/XX/XXXX payment was n't mayde and I recieved no notifications or collections phone calls from lender about payment being late or my ACH request having been rejected the bery next day after I called ( XX/XX/XXXX ) and lender does not invest in text messaging, or online access to allow me to see the status of my account. 
-On XX/XX/XXXX I received notification from XXXX smartphone app that I have been reported as being 30 days by Synchrony Bank XXXX 
-Synchrony Bank manager says that I have to live with it because I did not send a voided check along with my ACH request and that they sent a letter regarding it, but there was no call or letters, especially since I am not always at home because of military service and again Synchrony Bank does not invest on texting or a website. 
-I request that this negative entry be removed by lender because I followed what the bank representative adviced as to my next payment ( XX/XX/XXXX ) being made automatically as a result of my pending ACH auto payment request being fully processed by then, despite of disclosures about several billing cycles being necessary ; because the representative represents the lender, I followed her advice and I had no communication whatsoever from lender about my payment being late or ACH request not being accepted.

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 2022-04-14
Company: EQUIFAX, INC.
State: TX
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 child support enf XXXX acct # XXXX, XXXX acct XXXX XXXX, XXXX 120 day late payment has violated my rights. 

15 U.S.C. 1681 section 602A. States I also 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification from a company called jefferson capital systems LLC requesting payment of {$230.00}. the debt is not mines and dated/charged off period of XXXX reporting the negative mark was well within their right, even if it damages my credit standing. As granted by the fair debt collection practices act, I've also fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for their tradeline to remain on my file accept to maltreat, harass etc.

Company response to consumer: Closed with explanation