BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I believe I may have been victim to the recent Bank of America finding where they created fake accounts as I had a checking account created. When I complained they could not offer any reasoning as to how that may have happened.

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 2022-12-23
Company: ADP Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX XXXX XXXX at a restaurant in XXXX  owned XXXX XXXX XXXX. I was told they pay on this XXXX XXXX XXXX. I trained XXXXXXXX XXXX and decided not to go back. I received a XXXX XXXX XXXX that I registered and when I checked I had XXXX something XXXX  on it. I tried using the card XXXX XXXX at XXXX and such for small purchases when traveling and the card did not work. I saw on an email that it is not set up for traveling and it did NOT give a reason no funds? So I never really bothered witht he card since it had such little funds. That was in XXXX, I recently called the back of the card to see why I could never use it and it said my balance was XXXX. That is impossible since I never used it. I called them up and they said I registered it and I never deposited money. I told them my job did and they said they checked and there are no funds ever put on. This is a lie and XXXX. They never sent me paperwork as proof and now everything is wiped out? They are a scam, they wouldn't let me take my money out and made it so frustrating an now XXXX later it is gone and since they only have online info they wiped it out. I want my money sent to me in a check and this company investigated. They have terrible views of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Their investigation did not fix an error on your report

Complaint:
Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. Stat. 559.553 ) debt collectors and out of state law firms must register with the Florida office of XXXX XXXX as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that XXXX XXXX and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity.

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 2023-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
On XXXX XXXX, I attempted to establish an independent auto insurance policy with USAA Bank. After not receiving confirmation of my XXXX  month premium payment for XXXX made through the mobile app, I immediately contacted USAA banking center and was transferred to an insurance rep. I learned during the call with the rep. I couldnt have a policy without including my spouse who is a qualifying member. I decided to cancel the transaction that same day and requested the premium payment be refunded to my personal checking account that it was drafted. My spouse is not a joint account holder ; however, after several attempts to get my refund I was told the refund check would only be issued to my husband. I explained to USAA it was my right to my personal financial interests apart from spouse. USAA informed me on XX/XX/23 they will not reissue a refund check in my name and that I should have my spouse sign it over to me. I have an active auto loan in my name only with USAA ; therefore, the same should apply to my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is the last complaint I filed with you regarding this company. Even after I filed this complaint they did not investigate or validate this debt. This debt is not mine and I have never seen the provider listed on the I voice. Sending me an invoice for a provider I've never seen does not make the debt mine. And thar very invoice shows a XXXX  balance yet it's being reported otherwise. 

The credit bureaus decided that by mid XXXX, medical debt less than {$500.00} will no longer appear on credit reports run by XXXX, XXXX or XXXX. Yet despite this debt not being mine, validated, not having written consent and being under {$500.00} in the year XXXX  this company is illegally reporting it. This is abusive. So SCA Collections is in violation of the FCRA and XXXX. 

If this fraudulent account is not removed, I will contact the Attorney General and also hold SCA Collections financially responsible for all charges I incur from higher interest rates due to the reporting of this fraudulent account and blatant refusal to remove it. This is defamation of character.

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 2023-07-21
Company: Payfare International Inc.
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
I have a XXXX XXXX card and i have a bunch of unauthorized transactions on my card. I have tried to contact the XXXX  support but they hung up on me when i asked to talk to a supervisor. 

Listed below are the unauthorized transactions. 
XX/XX/2023 - XX/XX/2023 XXXX {$93.00} XXXX {$97.00} XXXX {$56.00} XXXX {$68.00} XXXX {$69.00} XXXX {$74.00} XXXX {$53.00} XXXX  {$74.00} XXXX {$56.00} XXXX {$57.00} XXXX {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My personal bank is XXXX XXXX, I have been paying XXXX  for 2 years and my contract endds this XX/XX/2023 my last payment is XX/XX/2023- i have NEVER ever missed a single paymnt and my payments have always been on auto pay. In XXXX, my personal bank, XXXX XXXX  had a ACH problem, they could not process withdrawals, charges or deposits and the problem stille exists on my checking accounts but it is not just my accounts it is BANK WIDE meaning nation wide. There is nothing I DID WRONG. when XXXX  sent payment thru it was normal, and i was in hospital with XXXX  where i have no internet and no acess to phone as i was sick fighting for my life, needless to say t he bank was having this issue and the payment was sent back XXXX  when there was nothing wrong with my personal accountit was a a bank system issue, i called XXXX  and told them that and they told me they will not help me the paymentwas made on timme as i do every month i provided hte screen shot proving the issue and they still would not help me i asked for supervisor and they refused me supervisormy credit has NO BAD ACCOUNTS I HAVE VERY GOOD CREDIT and now its bad credit because XXXX  screwed up and wont fix this you cant punish me for a banks error and you cant punish me for not knowingyou were sending emails when i was in New York hopsital during a state of emergency in XXXX with XXXX in XXXX. I demand the negative report removed and immediately resolved as I paid it soon as i saw the issue when i came home and made sure to make good on it i demand this adjusted as it was NOT MY ERROR NOR FAULT. i will sue and go to social media and attorney generals office if not, as you can not punish a customer for a banking facilities issues, nor punish me for being almost dead and nothavin internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I wanted help to lower my monthly car payments by dropping or eliminating the extended warranty and other extra stuff, but was denied. Times are hard!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

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 2023-02-28
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are fraudulent and unverifiable. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Listed below are the inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX MO XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, CF XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged me fees for no reason and closed my account

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 2023-03-06
Company: Self Financial Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I saw an advertise on XXXX about lending. I fill up the form i put all my information i didnt know it was scam. And now when i check my score on XXXX XXXX theres a personal loan that i didnt do it was XXXX . The company they use for is Self Financial Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with Synchrony Car Care Credit on XX/XX/XXXX. I financed four new tires for my vehicle on XX/XX/XXXX and used Synchrony Care Care Credit as my creditor. The total cost of those tires was XXXX. I set a due date for the seventh of the month and was told I had 0 % apr for the first 6 months. I never set due dates for the first of the month because it is the day I receive my Veteran XXXX payment and it is the only funds I receive. I am unable to work. By setting a due date of the first, most of my bills would be late so I set all my payment due dates for a few days after the first or later. Synchrony made a mistake and set my due date for the first of the month causing a slew of late fees to assess on my account, which I was unaware of. I was also told I was being charged interest. I did not realize this was going on until I made my final payment. When I went into my account to change my address, because I am moving, I noticed I still had a balance due. Upon inquiry, I found out that I had been charged exorbitant late fees every month for 5 months. They agreed to wave my last late fee of XXXX for my XX/XX/XXXX payment but refused to wave the others. I told them any interest charged on my account needed be refunded, they refused. I hung up the phone and called back a few minutes later advising if they did not correct the mistake I would close my account and file a dispute and a complaint. Again, they refused a refund. I closed the account. I was charged the following late fees : XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. I contacted my bank to file a dispute. They said, most likely, the money would not be refunded since it is my word against theirs.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
in accordance with the fair credit reporting has violated my rights act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni 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 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received alerts notifying me that there has been a data breach with a government entity that has my PI stored in their systems. I was urged to take action by reviewing all of my information to make sure there are no changes or anything unrecognizable on my accounts. I was also urged to change my information. This has happened twice already and when I reported the issue the first time after noticing some changes on my credit report, the issue had not been fixed. I tried placing a lock on my credit report but I discontinued with the payments which they then discontinued the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received and email on XX/XX/20 stating that they were changing my payment amount from {$290.00} to {$50.00}. I would have had this loan paid off in XX/XX/2020. But with their change i would have been on the hook to them for the next three years. I tried to go on their website to change the payment back and there is no place to change your payment. I then called and they told me that because my loan was consolidated that i was liable to them for so many months and that's why they changed it. They said that i had overpaid somewhere along the way. Not sure how that was possible because, i had been told several times over the years when i wanted to make additional payments that i could not. She said that she would put in a ticket, but they probably would not approve to switch the payments back to the regular amount. I need to see how my payments have been applied over the years with the running balance. Their website does not offer that. I need to see the running balance showing the principle / interest amount and the balance after each payment from the beginning of the consolidation. Yesterday XX/XX/20 i did a payoff so now my balance is XXXX. I wonder if they are going to allow that?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It was a account with XXXX XXXX. The account was transfer to XXXX XXXX XXXX XXXX. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that XXXX XXXX XXXX purchased this account from XXXX. The XXXX at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. 


XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. 

If the notice was on XXXXand paid on XX/XX/XXXX. They shouldn't be reporting debt. Plus they had XXXX XXXX collecting without knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AES/PHEAA
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: Account status incorrect

Complaint:
My federal student loans have been transferred several times amongst 3 creditors. AES XXXX, Dept of Edu, DEP ED XXXX. Each They currently reside with XXXX. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX connected me to Quicken Loans after I completed a questionnaire for an Equity Line of Credit. Their system referred me to Quicken Loans in which the latter info page fraudulently states : " Dear XXXX, Good news - You could get as much as {$90000.00} from your home by drawing from the value of your home 's equity. 
A Home Equity Line of Credit is a revolving loan that's tied to a bank account or credit card. The cash is there for you to use when you need it. If you use it to increase the value of your home through repairs or upgrades, it can become a valuable long-term wealth-building tool. 
Here 's what you can expect : Our Partner [ s ] listed above will soon be calling or emailing you in order to give you the expertise and guidance you deserve. Just answer their calls / emails or respond back on your own terms and they will help walk you through the process. You will be on your way to getting money in no time! '' Quicken Loans mortgage agent attempted to entice me to a cash-out refinance and told me Quicken Loans DOES NOT provide equity lines/HELOC.

In closing, five XXXX course provider experts in the education department " wrote the book '' on mortgages, and how important it is not to mislead the public. Quicken Loans continues with their shananigans and I am willing to provide a sworn affadavit. I hold a XXXX  XXXX ( XXXX XXXX ) and will be a solid expert witness should the need arise. Thank you.

Company response to consumer: Closed with explanation