BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Synopsis : I sold a XXXX XXXX camera body and a XXXX XXXX Lens to Buyer and their partner. 

They are running a chargeback scam by making purchases using Venmos Payment Between Friends with the seller, acquiring the item, and then issuing chargebacks on the cards. ( See this article of what kind of scam this is : XXXX XXXX XXXX ) Venmo won't give me the information of the financial institution so I can not dispute it directly with the financial institution that sided with the scammers that have disputed the charge stating " Sender stated they did not make the purchase ''. 

I have proof that in their transaction records, they specifically stated what they were sending me the funds for. 

Given the amount of proof I provided them, detailed explanation of the timeline, and the very specific transaction memo for what the sender sent me the money for, I do not see how it is feasible that it could be disputed. I can not in good faith believe Venmo did it's best to defend me in this case and, without their cooperation, have no other form of recourse to defend my case with the financial institution to try to get this reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the evening of XX/XX/2020, my purse ( including wallet, checks, driver 's license, credit/debit cards, SSN card ) was stolen from the trunk of my locked car by way of smashing the front passenger window and subsequently unlocking the trunk from inside. I immediately filed a police report, cancelled all cards, confirmed my cards stolen with my bank 's fraud department, froze my accounts with all credit reporting agencies, and issued stop payments on all the checks contained in the checkbook. On XX/XX/2020, I applied for and received a temporary replacement driver 's license as well as attempted to close my primary DDA account with US Bank and open a new one as I was worried that because my account information was exposed on the checks, it could be tampered with. However, when I explained my situation, US Bank denied my request to close the original and open a new account on the grounds that I didn't have a valid photo ID ( the temporary one issued by the DMV did not include a photo ). A few days later, on XX/XX/2020, I was alerted that a fraudulent counter withdrawal in the amount of {$6300.00}, unauthorized by me, was issued at a US Bank branch to the offenders the day before, on XX/XX/2020. The offenders fraudulently impersonated me with my stolen driver 's license and forged my signature on the withdrawal slip. I immediately contacted the Fraud Department at US Bank on XX/XX/2020 who only then proceeded to close the compromised account and transfer the balance to a new account. On XX/XX/2020, I completed and filed Fraud Documents sent by US Bank 's Fraud Department to dispute the fraudulent transaction as well as initiate an investigation with the confirmation that the funds would be reimbursed and I would not be held liable in any way. I followed up on the progress of my claim on XX/XX/2020 and was told it would be another 2 weeks until the final review was complete and to check around XX/XX/2020. I followed up again on XX/XX/2020 and was informed that my claim was denied on the grounds that the trunk of my locked car was not a secure enough location. This is inaction by US Bank is unacceptable. There was very clearly gross negligence and inconsistencies on US Banks part to protect my funds. This fraud was enabled solely by the lack of attention of US Bank as all the parameters to reject any and every transaction subsequent to XX/XX/2020 were in place.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Looked upon my credit report and discovered this accounts that need to be deleted.

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 2023-04-06
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my XXXX XXXX which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the XXXX Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.

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 2023-02-04
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act, * XXXX, EXPERIAN AND XXXX have violated my consumer rights.

15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries.

If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. 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 2021-11-11
Company: Foris DAX, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I opened up an account with Crypto.com. They have different debit cards you can choose from, all having different requirements to receive their respective benefits. 

I accidentally chose the lower tier, blue card when I was actually attempting to choose the Ruby card where you had to stake {$400.00} worth of CRO, which is Crypto.com native token. 

Upon realizing my mistake, I immediately reached out to support to determine if I could eliminate the request and simply make another request for the Ruby card. The representative told me the only way to do this was to purchase the {$400.00} worth of CRO and have them " stake '' it for me without issue. 

I went ahead and did so, providing screenshots and evidence of the purchase. 24 hours later, I was notified that because there are market changes in price, that I would have to purchase the amount needed to bring the amount of value back to {$400.00}, because in the time it took for them to get back to me the market had shifted. Obviously, I know that there are market fluctuations. However, I was not told that if the market did indeed shift that I would then have to purchase more tokens. In the 24 hours it took for them to reach a conclusion, the market had shifted negatively. 

The lack of customer service and practicality is almost criminal in nature. There was no reason that they could not have simply understood it was a mistake from the outset and offered the ability to stake the funds normally again. Instead, they mislead me and then proceeded to a 24 hour turnaround time before letting me know what their " decision '' was. No one was going to win or lose anything by just making the situation resolved without asking me to spend money without being provided all info regarding the steps that would be taken to reach a potential resolution. 

If a company like Crypto.com ( sponsor of the XXXX ) is going to be acting recklessness and impractically like this, the public should be aware of it. I thank you in advanced for your prompt attention to a space that is clearly not all fun and games. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Eagle Accounts Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is complicated. My daughter is XXXX years old and going to college. I am XXXX and XXXX. I am the non-custodial parent living in XXXX. The law states that the non-custodial parent ONLY is required to continue to pay XXXX XXXX as long as the child is in college  until she reaches XXXX years old OR UNLESS SHE FAILS TO REPORT HER PROGRESS TO ME, HOURS, GRADES ETC ... so I am paying {$3000.00} a year to support her and believe me I have contacted local, state and federal offices and nothing matters. I am nobody. I only know of where she may be in college at. Ive never got a report from her or the college, no grades, no nothing. I want my money back and for future funds, {$250.00} a month to quit being taken form me. I am doing without eating at times and have no idea if shes even still going to school. Cant tell you where she lives, nothing. She dont call, write or come see me. I have tried all the other avenues. I am a XXXX XXXX   too and I know the ropes but not well enough I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Denefits LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained financing from Denefits XXXX I made payments but then became injured and ill and fell behind. I arranged a settlement agreement with them and have so far made XXXX payments. Despite agreeing to a settlement this company continues to post inaccurate balance info and every month states I am getting further and further behind indicating no payment in last XXXX  days. I contacted the rep from the settlement department and he says they dont update it till I complete the settlement. First off that is incorrect because my credit report for the months since I started the settlement have shown increases in my balance ( and do not match what the rep tells me I actually owe ) and increases in days late - yet I am on time with my settlement for months now. Secondly just because I have a settlement they should still be reporting on my report accurately- I dont care if they note the revised balance as a settlement- I am current with our current agreement. They have promised to remove it once it is paid but they should be accurately reporting in the meantime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been using Binance.US for about a couple years now, with no prior issues using the platform. However, two days ago, I suddenly was locked out of my account. Support has continued to give me the same generic guarantee that they're " working on resolving '' my issue and that they will update me " via email '' as soon as there is new information, but it feels like nothing is being done to remedy the situation. I went through the process of getting Advanced Verification on my account and had 2FA enabled, so I can't possibly imagine why I'm suddenly being blackballed. I have thousands of dollars in my account and now I'm losing out on potential gains I would've otherwise made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Auto Trakk, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a car from AutoTrakk XXXX and the car was totaled XXXX. I had around XXXX left to pay on the car with an option to buy at the end of my lease for about XXXX. My car was totaled on XX/XX/XXXX. My insurance company called me and advised that my car value was XXXX in which my insurance company wrote a check for. My insurance company gave me information on how leasing companies work with total loss and advised that they would send the check to the leasing company and the leasing company in turd would send me any remaining monies. Before my insurance company sent the check I called Autotrakk to verify exactly how much I owed and the amount I'll be getting back. I advised the person ( XXXX ) I spoke to at Auto Trakks that if I'm not getting any money back I would have my insurance company hold the check and get me lawyer to make sure everything is legit and possibly come to a certain settlement. The person I spoke to assured me that I would indeed be getting close to XXXX back, this was after I advised of getting a lawyer. The person stated that they will have the check sent over night. The person actually went though all the lines and details of my contract and stated that he was very knowledgeable as he's been with the company for some time. Once I was sure that I would get the leftover monies back I then called my insurance company and advised ok to release check. I called AutoTrakks on several occasions after waiting the 7 days for the check to clear. Once the check cleared I was told that I wouldn't get anything because my car did not belong to me, I explained to the person I was speaking to the recorded conversation between XXXX and XXXX I asked to speak with upper management and I was belittled and handled rudely. I was told that the reason I used their company was due to my bad credit and why should I benefit from a car that belong to them. I did further research and I see that this company prey on the poor and minorities. I didn't get my right to speak with a lawyer, due to I was mislead after the person knew I wouldn't allow my insurance company to release the check if I wasn't going to get anything back. The company is claiming it was a mistake but if the call is listened to by someone other than the company it would be understood how I was mislead. The loans are predatory and the treatment of the customers by the employees there are hurtful. Also, I was told that I should of already paid the car off but due to Covid and the pandemic I was out of work and when I came back to work our hours were reduced very bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Capio Partners, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account. Creditor is permanently closed, and I have no knowledge of account. 

The collection agency is non-responsive. 

Please fully investigate and provide findings to me so that I may sue collection agency under the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: SC
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've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
RE : B of A cards XXXX XXXX XXXX XXXX & XXXX Both of these cards are being used for XXXX XXXX transfers. I paid fees on b oth to avoid interest charges. That worked on XXXX ; not so on XXXX. B of A has taken fees and continues to take interest. Calls to the bank result in being hung up on 3 or 4 times.This bank is stealing from me and brazenly, will not even discuss the situation. They just stonewall,

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2023. Card physically stolen while in a foreign country. Within 10 mins of the card being stolen I called Bank of America ( hereafter BoA ) and reported the card stolen.All charges that had already been made on the card were rejected by BoA. Because this was the only card I had available to complete my travel back into the XXXX and the agent would only be able to overnight a card to my home ( XXXX ) address, he suggested I place hold on the card, so that I could lift it if needed to pay for charges on my return to the XXXX. 

XX/XX/2023 BoA approves charges for {$4700.00} and {$5000.00} plus foreign transaction fees. 

XXXX XXXX we are enroute to the XXXX. Upon my return to the XXXX the card was cancelled. I had added no additional charges at that time. 

XX/XX/XXXX, prior to the end of the billing cycle I notice the charges from XX/XX/XXXX and call BoA. The fraud agent credits my account {$11000.00} for the disputed charges. 

XX/XX/XXXX sends a letter stating they " confirmed the card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' It further states, " If you'd like copies of the documents we used to make this decision please call ... '' To date and with multiple request no additional information has been provided. Over the next 7 phone calls I have been told that this is a form letter and the statement above is not specific to my case. Agents have indeed confirmed that these charges were approved while the card was on hold. They have confirmed the charges put my account over the credit limit and I did was not contacted to authorize the charges. 

I have reopened the investigation a few times, and have never received any further communication from the investigators. I have learned the investigators are prohibited from returning my request for a phone call, and that if the new investigation produces the same result, I will not receive further communication from BoA. 

I would like full credit from BoA for the charges, fees, and interest for charges they approved without my authorization while the account was on hold as recommended by a fraud agent.

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 2022-10-19
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
After being a loyal customer and credit card holder for over 30 years at XXXX, they reported me as having a late payment when I was affected by XXXX XXXX on XX/XX/28, while staying on XXXX XXXX, as my home in XXXX has been under construction. I was forced to evacuate, had no service, etc. I made the payment as soon as possible, the account is current, but it caused my credit score to drop by XXXX pts. This is egregiously extreme and unfair. I contacted them and disputed the reporting through XXXX, but they're refusing to do anything as my home address was not considered to be an area that had a direct hit. However, I was not at my home at the time, I was in the middle of a hurricane on XXXX having to be evacuated. I feel this is not fair and was hoping for some type of resolution to this issue. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG ( XXXX XXXX XXXX XXXX ) XXXX Balance {$97.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation