BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-16
Company: TCAR Inc
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I work part time for an employer named XXXX XXXX XXXX, on XXXX/XXXX/XXXX Tuesday I left my evening part time job as usual parked in the residents parking lot where I live at XXXX XXXX XXXX, and had left my XXXX Mercury Milan vehicle locked as every other night. About mid to late afternoon the next day on XXXX/XXXX/XXXX Wednesday, the time I generally head over to do my regular work hours. I noticed my vehicle was not where I had parked it the previous night on Tuesday, in fact it was no where in the parking lot. I immediately thought of and had concerns of vehicle theft. I went straight back into my apartment and dialed the XXXX help assistants line from my landline telephone. The XXXX operator assisted me in reasoning out my current situation and had taken my name along with the description of the vehicle. In coming up with contact information in helping locate and find where my XXXX Mercury Milan was at, she then announced the company name TCAR Recovery located at XXXX XXXX XXXX XXXX NY and the contact number of XXXX. I proceeded to leave a message since no one answered, then had concerns of my XXXX XXXX XXXX with regards to entitlement to the protections under the UNITED STATES BANKRUPTCY CODE. I currently am under review by my creditor XXXX in my request to file for bankruptcy regarding the subject matter vehicle repossession and any protections in filing bankruptcy may apply to myself. I thank you in allowing me to leave the Consumer Finance Protection Bureau commentary of present as well as any future comment that may pertain to vehicle repossession and myself asking to filing for bankruptcy proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Credit reporting company refuses to remove or delete Not validated information by Creditor within 30 days.

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 2022-04-17
Company: EQUIFAX, INC.
State: TN
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 HAVE TRIED TO HAVE THE CREDIT BUREAUS REMOVE THE NEGATIVE ITEMS BUT THEY WILL NOT EVEN WITH THE POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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:
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. 
XXXX XXXX XXXX  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 accountwithout 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 2015-08-17
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my account with XXXX years ago and I never heard anything about it, now out of no where I find out that some company " Enhanced Recovery Corporation '' is reporting a debt and affecting my credit. 

It is not correct and I will not pay for services I did not receive.

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 2017-02-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I visited a merchant in XXXX, XXXX and purchased a {$20.00} hat with my Barclays credit card back on XXXX XXXX, 2017. The merchant charged the correct {$20.00} to my card, but seems to have also fraudulently charged {$120.00}. I disputed the charge with Barclays because I never authorized it, was never made aware of it by the merchant, and it was fraudulently charged. Barclays responded that they would not remove the charge because the " chip was used. '' The merchant asked me to hand him my card so he could run it, I was unable to see what he was doing on his end. When he showed me the screen, the correct amount of {$20.00} was displaying, so if he did it before showing me the correct amount, I have no idea. The purchase was not treated as a Chip + PIN purchase as it never prompted me to enter my PIN. I could understand Barclays argument if I had entered a PIN, but just because the card 's chip was used does not mean that I authorized the charge. By that flawed logic, one would be responsible for charges a waiter makes when he takes your card to the " back '' to run your bill. I am sure that neither Barclays nor the merchant will be able to produce a signed receipt in the amount of {$120.00}. Barclays went even as far as issuing me a NEW card with a different number when I reported the incident, but refuse to refund me the {$120.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28
Company: ALLY FINANCIAL INC.
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a new savings account with Ally Bank on XX/XX/2017. I applied online, this was my first transaction with Ally Bank. During the setup, to fund the new savings account, Ally Bank asked for my " other bank '' information, specifically the login ID and passcode to my other bank account with a credit union where the moneys were to be transferred from. Ally Bank also asked for the answer to my security question on record with the other bank. I provided that information to Ally Bank. I would like to find out : is it appropriate for Ally Bank to ask for my other bank login ID, passcode and security question answer as part of setting up a new savings account with them? I also would like to find out if this new savings account is legitimate. I am concerned that perhaps it was not Ally Bank I provided my other bank information to but a fraudulent entity. I believe I have a savings account with Ally Bank, Routing / ABA Number : XXXX, Account Number : XXXX, it was funded with a {$30000.00} transfer from my credit union checking account. The current balance is {$30000.00} with a {$2000.00} transfer in pending. Is this a legitimate Ally Bank savings account? Thank You!

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 2017-03-15
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was looking into charges on my credit report but I do not see Enhanced Recovery Solutions licensed to collect in the state of North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-01
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Every month I use XXXX to buy things I may need. But every month I get through the whole purchase and realize that the card information is taken and the purchases have been going through then the company of XXXX closes the page and I can't get back to it to see if it was paid or not and I checked XXXX turns after never getting the things I bought and they have been going through for the girl across the street to rip off my card on some internet fraud scam they hooked my laptop up to.amd I have called 50 times to discuss it and the company won't talk to me so she has manipulated them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Conn's, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2015, I purchased furniture from Conns Credit with the loan amount for the furniture was {$3000.00}. I have paid {$2400.00} per Conns Customer support team with a balance of {$520.00}. I have a 24 month cash option that is interest free. Conns is reporting a cash balance of {$1000.00}. The customer support team has submitted three requests for the credit department to correct their mistake, with the last request being submitted to upper level management. I have attached online bill pay activity, cash option addendum, sales contract to support my claim of illegal lending practices of Conns. They will not respond to the NC Dept of Justice Consumer Protection division, my only hope for justice is the US CFPB. CONN 'S IS REPORTING {$120.00} A MONTH IN LIEU OF THE ACTUAL CASH PAYMENT OF {$170.00} BY BANK DRAFT, thus cheating me out of the difference

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: NY
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:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved 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 explanation
Consumer complaint received 2016-12-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony Bank to creditor of my Amazon Prime Store card reduced my credit limit for not specific reason. I called to inquire about an exact reason relating to this account. I was meat with a lot of opposition by a person by the name of XXXX who claimed she was the person authorized to make a determination on this issue and refused to escalate my call when I ask her to. She did not provide any specific reason for this change in credit limit ( XXXX credit limit to XXXX credit limit ). The account has never been delinquent nor maxed out. XXXX XXXX lead me to believe had the authority to restore my credit limit, but did nothing but re state what state in a letter notifying me of the change in credit. This card and all the other credit cards are current and in good standing. The same credit issues on my account were there when they approved this account. This affects my credit rating, Synchrony did not have a reason for doing this. I see the left enough on the line so that they could automatically recharge my account for the Amazon Prime annual fee.

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 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX i recently asked my Account manager to give me more time to find the {$300.00} dollars to complete the reboot of their computer system so that i can access my account, But the directors are final on the date the XX/XX/XXXX!!! For me to find this money, If i can not find the {$300.00} my funds that were left to me will be confiscated, this is a lot of money to loose! even a bank would not like to loose so much, i know that you are giving them 16 days to reply but i urge you to put more pressure on this bank, i do not know if you can find me a lawyer and legal aid, i do not know if i qualify for legal aid in the XXXX? i know there is no chance in the XXXX as the government stopped legal as a cost cutting in the financial sector was at the time costing millions to the XXXX and being unemployed on a very low budget less than XXXX pounds per month is a strain on every thing as it is i am just coping with paying my mortgage on very reduced payments also a secure loan i have is also reduced two smaller loans i am unable to pay so i believe i will receive a summons to appear in county court,

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 2017-03-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Applied for loan/did not receive money

Complaint:
Several years ago I got a line of credit loan with Wachovia.They have since bin bought out by Wells Fargo.Years ago I applied to increase the amount.I was denied because my home does not rest on a permanent foundation.I did n't argue due to the change of regulations with the stock market crash.I have recently acquired about changing the amount again.I was told they could not prevent me from filling out the application but the result would be the same.I find it aggravating that I spent my life paying bills and maintaining a good credit score ; only to be judged by my house not being on a permanent foundation.I told them I felt I was being discriminated against.They replied it was about equity.My house has bin paid off for several years and is worth more than I am asking for.I believe this is a one size fits all policy and is not fair to the individual.

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 2017-01-16
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
they have been calling me 2 -5 times a week I do not answer because I know what they what.I have told them that I am not working because of health problems & working to get Social Security XXXX for going on years. 
Now they have been calling XXXX year old. 
I know I owe money but right now I ca n't. 
I do n't know what to do.

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 2017-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged twice {$35.00} overdraft fee ... I believed I had opted out of this and do not want this service ... If the $ $ is not in the acct, the transaction should be rejected. 

Secondly, on the 1st overdraft, the bank held a {$1500.00} ach transfer from XXXX, which should have been in the acct. 

Third, the XXXX charge that created the next {$35.00} over draft should have been rejected. Not my issue the bank processed a payment they should have known better to process. This corrupt banking service is bleeding the American Consumer of Billions of dollars a year when they have the ability to rectify the accounting issues creating the timeliness of certain deposits/debits ... in reelationship to these " fees '' ... Legalized extortion is why the CFPB was created!!

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was NOT mine. I filed a FTC report pertaining to this account and the illegal use of my information and afterwards it was removed from all of my Credit Reports including this TransUnion Report. Some how this account was added back to just TransUnion. This is a violation of Federal law and unacceptable that I am being violated in such a way. I will include my Identification Card baring my current address and my social security card both for proof of identity and my current I.D card is proof of my address as well because I don't have any bills or statements in my name my Identification card will have to suffice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2016 I turned in my leased vehicle ( leased by XXXX XXXX # XXXX ) to XXXX XXXX XXXX, XXXX. Since I turned the car in a couple of months early I had a balance of {$1700.00} left. On the day of my turning the car in my salesman and I talked to a representative of XXXX to tell them what I was doing and that XXXX was going to pay off the balance of the lease agreement. There was no problem and the transaction was given the go ahead. Lo and behold, in XXXX I started getting letters from XXXX demanding payment and threatening Collection. In XXXX I received an officious letter from SELIP & SDTYLIANOU, LLP demanding payment. Throughout all this time I had been in contact with my salesman ( XXXX XXXX XXXX XXXX ) who confirmed that XXXX had paid. In fact I am holding a copy of their cancelled check as I write this. On two occasions I have FAXED the above named company, I have called both XXXX and Selip but to no avail. I only became aware of how dire this situation is when I tried to open a Credit Card and was informed I had a severe overdue account. Hopefully, this situation can be rectified with the credit bureaus and all other entities. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Selip & Stylianou , LLP XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX 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 2017-03-07
Company: Netspend Corporation
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I was XXXX and when I got out I went to check my balance on my card and I looked online and it said that someone had ordered a new card while I was XXXX and spent all the money off of the card I filed a dispute as soon as I found out I sent in proof of XXXX and they said that they did n't believe I was XXXX that they called the XXXX and they just said I was n't there which is it said that someone had ordered a new card while I was in XXXX and spent all the money off of the card I filed a dispute as soon as I found out I sent in proof of XXXX and they said that they did n't believe I was XXXX and they 're refusing to pay back the money they 're saying I thought they 'd think I was in the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I borrowed a loan in XXXX for a year in college, the burden of the loan was too high and I withdrew from the program. They were unable to collect payments from me since I was not working then in XXXX I started XXXX and the loan was in collections or default, due to the aggressive collection efforts, I suffered from fear and XXXX and had to with draw from my program. I filed for bankruptcy but this loan will not go away and has affected my ability to get a job or move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I made a payment of {$7400.00} to CitiBank on my credit card. They dated stamped my check. It was honored on second submission to my bank. The first submission was declined as a security matter by my bank. Citi charged me with a late payment, reduced my lines of credit, and has failed for 12 months to fix the problem, despite many phone inquiries.

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 2017-03-26
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Hello, I have been a credit card member of Discover since XX/XX/XXXX. I just noticed that as far as I can go back ( about XX/XX/XXXX ) they have been charging me for a Payment Protection Fee which I never signed up for adding up to about {$2000.00}. 

I researched this matter and see there have been many complaints from customer who were also signed up for these fees without their consent and that the FDIC found Discover 's practices deceptive and there was a class action suit filed against Discover for this. 

I called Discover today with this complaint to cancel future charges and to request a full refund for the amounts charged without my consent. I was told they could only refund me about {$320.00} for the last 6 billing cycles. After requesting a Manager, he kept on with the same rule and added that they have recording of me opting in for this service and that they have done their " due diligence '' in making sure their customers know about this fee by putting it in the statement and sending communications by mail/email. I NEVER signed up for this service and when I requested to hear the recording of me agreeing to opt in to the Payment Protection plan, I was told they could n't share those recordings with their customers for " legal '' reasons. 

I 'm very disappointed and upset that a reputable institution would go about these tactics to seamlessly add small charges to customer credits cards which add up to their hard earned money over time.

Company response to consumer: Closed with explanation