BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We were scammed by who we thought was a XXXX customer support person when needing help with a XXXX transfer to us. The scammer got us to believe that we were increasing the amount to send/receive from XXXX to the default of {$2500.00}. He provided us with what he called a system generated code, which was in reality a phone number that made us make an unauthorized transfer of {$1600.00} from our account. 
Immediately we contacted our bank, Capital One, and told them what just happened while we were still on phone with scammer. We filed a fraud claim with Capital One. They restricted our accounts and we opened new accounts. After about XXXX weeks, we got a vague email from Capital One that claim was denied as they found no error. We called Capital One and requested an appeal and for claim to be reopened for a rebuttal and provided them with all information we had before. We are waiting for their investigation. 
The claim number with capital One is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I had an unauthorized debit transaction made on my account at XXXX totaling {$610.00}. I called Bank of America immediately and reported it. I was told I would receive a temporary credit within the first 48 hrs, but they refused to release the funds. Now every time I call they tell me it's tomorrow, and I called again today and was told that I didn't qualify to receive credit for the fraudulent transaction on my account. I have been yet to be credited and I need the funds for my bills.

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 2021-08-01
Company: EQUIFAX, INC.
State: FL
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:
Since XX/XX/2021 I have been trying to dispute XXXX, XXXX and XXXX XXXX with all 3 credit bureaus. I have requested for the bureaus to send me proof of their verification with documentation. XXXX the original creditor nor XXXX XXXX  HAS NOT been investigated AT ALL since XXXX ; therefore the bureaus has disregarding my rights as a consumer and have passed the timeframe allowed of 30-45 calendar days to complete an investigation. The bureaus has even passed the 60 day timeframe after numerous request for verification. I have also informed the bureaus in recent disputes that they are reporting incorrect last active dates for XXXX and XXXX which has caused this account to re-age which is a HUGE violation for FCRA and FCDPA. I would think that bureaus would have more respect me as a consumer and had completed these investigations. The burden of proof is on the Bureaus. Being that XXXX nor XXXX XXXX were never verified by the bureaus I am requesting permanent deletion from my credit profile. XXXX please DO NOT send me back a generic response of which you are known for stating that you need authorization. Please consider this my written authorization for this complaint as well I have attached a copy of my proof of identification. You have stalled and prolonged of enough time and if this is not handled I will have to take matters further and get a consumer attorney and file a complaint with FTC as well. I keep excellent records so please do not disregard this complaint. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: PA
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 THESE FRAUD ACCOUNT THATS ON MY FILE THATS REPORTING INCORRECT 1 XXXX XXXX XXXX ACCOUNT # XXXX 2 XXXX XXXX ACCOUNT # 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 2023-01-10
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX  XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Experian Information Solutions Inc.
State: UT
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:
In XXXX I submitted 3 disputes requesting to have my 2 student loan serviced accounts with Department of Education re-submitted onto my credit file with all three credit bureaus with the correct balances but my request has not been completed to the satisfaction of my request ; they have refused to add the accounts to my report.

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 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
In 2018 I bought a engine, I tried it at the place the item did not work, the owner told me He will check for another one which he could not find a good one ; I left the item, the same week I tried to fix the problem with Bank of America, they fixed the problem I got the refund and later on the charged me the same amount on the purchase {$960.00}. Since then I have to pay for a item I did not take or use. This year I find out about XXXX  I disputed it but the Problem still exist the could not fix the problem. Now I found the receipt I would like to use the evidence. It not fair to pay for something I did not take or use.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
am writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
1-Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility 2-Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



3-Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX have violated my rights under Fair Credit Reporting Act. I have notified them by mail and phone that I am victim of identity theft. I have requested the following account be removed permanently from my report because it was opened fraudulently. XXXX XXXX XXXX Date Opened XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Volvo Car Financial Services U.S., LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I visited the lender 's website to determine the total payoff amount for my XXXX Volvo XXXX. In addition, called the lender, by telephone and it was confirmed. I also specifically asked about the GAP insurance refund as I am now cancelling due to the car being paid off. They instructed me to contact the dealership for cancellation, which I did. 

The Dealership provided me the form/instruction for cancellation ; I completed and returned to them. I was told I would receive the refund in 6-8 weeks. Upon waiting for 6 - 8 weeks and not receiving any refund, I contacted the dealership to follow-up. 
I was then told that they had sent my refund to the lender, and not to me because the lender requested it. When I called the lender ( Volvo Car Financial ), they told me that they received the requested refund but will not send/forward to me because the refund should've been included in my payoff amount but wasn't. 
So I had two questions which they haven't answered : 1. How did they know how much my refund would be, to pay off the loan if and/when they didn't know I would be paying my car off? 

2. If an amount ( {$900.00} ) is charged/included in my loan for this GAP insurance for X amount of years, I pay the entire loan off early, should I receive the unused portion of the insurance cost, or shouldn't I have received that credit from my payoff balance? 

Neither has been done and they're refusing to give me the {$750.00} due. 

They're stating that the State of Maryland is a " No Refund '' State so I'm not entitled to a refund for services/insurance I didn't use. 

In addition, Volvo Financial Services has never would include the Principal Balance of the loan on my statement ; only the Payoff, which includes interest. I'd requested this information primarily because I always paid extra principle and need to track my balance each month. They said to know that amount each month, I have to call them. 

In a nutshell, I paid, in full, a loan that included {$900.00} for GAP insurance. Now the lender is withholding the unused portion of {$750.00}. So they're keeping money for service I did NOT receive. I need it reimbursed/sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-01-08
Company: Rozlin Financial Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Following a misleading advertising from XXXX, I requested and agreed to a XXXX subscription totaling {$410.00} made payable in XXXX installment. They make it looks like you pay monthly and i thought i was committing to 1 month subscription. Also they advertise a 3 days cancelation policy. I called to cancel XXXX after the subscription. They replied stating that terms don't apply and sent me to a debt collector RFGI ref # XXXX. There are hundreds of complaints online about XXXX service misleading advertisement. My bank refunded me but i had to pay today again since i don't want my credit score to be impacted ... is there a way to fight them and at least to protect future customers?

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 2022-03-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I sent a money transfer in the amount of {$1200.00} through moneygram to a relative in XXXX. Moneygram debited the funds from my bank account within 24 hours. However, the receiver was not able to pick up the money. After contacting a moneygram employee via telephone they stated that the transaction was under the review and that they needed to speak to the receiver. I decided to send the money through XXXX XXXX instead on XX/XX/2022. That same day on XX/XX/2022, I called moneygram to request a cancelation of the money transfer. Moneygram stated that they needed to speak to the receiver in order to cancel the transaction first which seemed odd and in contradiction to their cancelation policy on their website. On XX/XX/2022, the receiver contacted moneygram in XXXX and stated that he did not want to receive the money from me, the sender. The moneygram employee asked for his email address to supposedly send a confirmation which never arrived. Several hours later I contacted moneygram through a chat window on their website to cancel the transaction because the moneygram website would give me an error when I tried to cancel online stating that I needed to log into my account although I was logged in. The moneygram employee gave me the same generic information that the transaction was under review and that they needed to speak to the receiver so that the money could be paid out. I again stated to the moneygram employee that the receiver had already called and spoke to moneygram stating that he did not want to collect the funds. I again requested a cancelation and refund of my money. The agent gave me a telephone number to call moneygram again. It appears that this company is acting in bad faith and deliberately refuses to process the cancelation of my money transfer and is sending me in circles and providing me with inaccurate information from what is listed in their website with respect to their cancelation policy. I am filing this consumer complaint in order to obtain a cancelation and refund of money that moneygram debited from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: SC
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 Account # XXXX, XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: IL
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:
According to 15 usc 1681 ( a ) XXXX is in violation of my right to privacy and information Id like private that is posted on my consumers report. 

Account : XXXX Account:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXX  credit card was reported to TransUnion with incorrect info. It says my balance is {$1200.00} however my balance is {$160.00}. See below attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Alorica Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I Signed a contract with XXXX for a loan and the amount financed was {$2700.00} on XX/XX/2022. However, they sold the company to SST, system & services technologies , inc and the total amount I was given, was {$1300.00} deposited into my checking account. I made an total payment of {$1400.00} towards the loan and told them since I wasnt given the full amount, I want out of this contract. Nothing shows my payments being applied because they are charging me 26.99 % out of the {$2700.00} in interest and again I only received {$1300.00}. Please investigate this company as everything is confusing and I want out of this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My son sent me {$40.00} dollars from his PayPal account to mine ( This is all relevant to my complaint so please bear with me. ) He immediately realized that he used the wrong card to send me the money. he use his credit card and intended to use his debit card. He contacted me and I initiated a refund. ( this all happened in less than 2 minutes. ) Here is the complaint number he filed against PayPal concerning this issue.XXXX-XXXX. Basically PayPal stole the {$40.00} from him and told him numerous lies to justify stealing it. He filed a dispute with his bank. He kept a verbatim copy of the conversations he had with PayPal, Concerning this {$40.00} refund using their messenger app. He included a copy of that conversation in with his dispute. After his bank read the conversations and saw all the lies PayPal told to him regarding the {$40.00} the bank refunded his money back to him. Yesterday day I log into my PayPal account and I have a message that I have a negative {$40.00} balance on my PayPal cash account. I contact PayPal using their messenger app and they tell me that since my sons bank found in his favor and returned the money PayPal stole from him that I owe PayPal {$40.00}. I refunded the {$40.00} immediately. PayPal even confirmed that I refunded the money ( see attachment PayPal refund XXXX ) and that the refund had completed. I did my part and refunded the money. What PayPal did with it after I refunded it is not my responsibility. PayPal went on record and stated that the refund from my PayPal account to my sons account was completed. Now PayPal is trying to steal {$40.00} from me. I in no way owe PayPal {$40.00}. PayPal stole the {$40.00} from my son and that was fraud. My sons bank ruled in my sons favor and returned the money PayPal stole from him back to his card. How am I responsible for PayPal stealing {$40.00} from my son and telling lies to justify stealing it.? I am uploading the original conversation my son had with Paypal using their messenger. ( See PayPal conversation ) read it yourself. They told numerous lies. Nothing PayPal says can be believed. I am also uploading my conversation with PayPal where they claim I owe them {$40.00}. ( See PayPal lies volume 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AXOS FINANCIAL, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband passed away from XXXX XXXX XXXX, XXXX. I have been attempting to negotiate a forbearance agreement with Axos bank regarding my mortgage since XX/XX/XXXX. They rejected my request and I have been unable to make the payment. My house has been on the market since XX/XX/XXXX. It is now under contract and the closing attorney submitted a request to access signed by me for a payoff letter. That request was submitted approximately three weeks ago as we are scheduled to close XX/XX/XXXX. Just this week we finally heard that they can not process the payoff request because my name is signed on it and not my husbands name. In XXXX when I first began attempting to negotiate with them, I provided proof that I owned the house with my husband joint tenancy with right of survivorship and had subsequently transferred ownership solely to myself. In addition, I provided a copy of his death certificate. Axos has all the documentation to show that my husband is deceased and that I own the property. They are refusing to provide a payoff letter to the closing attorney which would allow me to sell the home and pay them. I can provide any and all documentation that may be necessary, I just need a payoff letter ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma heavily advertises its credit card on XXXX claiming free food, gas and other items without any disclaimers or actual information.

Company response to consumer: Closed with explanation