BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-07
Company: XOOM CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I tried to transfer money to myself and my brother while visiting overseas. Xoom kept cancelling. I called Xoom multiple times as instructed in their cancellation emails. I even provided them my copy of US passport and my bank statement. Xoom said that you have fulfilled our requirements but we still can't help you.

I tried again last night and still same issue. When I called them this morning the Xoom representative could not give me a satisfactory answer. I asked them to escalate it to someone who can either resolve or give me a valid reason. I am still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle on XX/XX/2029. The sales person who was working with me or trying to make that money with me used Santander and he was also the one who hot me insurance. Since he knew I could have gone back to the guy I saw the day before if he didn't give me a better deal so he used his resources by Getting me insurance where I didn't speak to whoever got me that insurance. And the Bank that gave me the loan has underwriting guidelines saying that they need the agent 's name, the company 's and coverage must always be full coverage. It was my first time getting a vehicle. What happened is that they gave me the vehicle without full coverage and the bank definitely conducted business against their own guidelines because it would benefit them. I didn't know that Comprehensive coverage is not full coverage. I signed the papers XXXX  days after I got the vehicle. On XX/XX/XXXX, someone crashed into my vehicle. My insurance company is not paying for my car not the person 's insurance that hit me because they're saying I had a STOP sign even tho that guy hit me while I was done crossing. I'm in this because XXXX the bank Didn't bother to confirm full coverage which is required by their guidelines and the insurance company did not ask to speak with whoever was getting that insurance because that person was helping the sales person get the deal since they know each other. Now I am stuck with a {$25000.00} loan and no car to drive. I definitely need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Paypal Holdings, Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I recently got " Permanently Limited '' from XXXX stating that my account will be closed permanently due to " potential risk ''. I had received the email stating this shortly after linking my XXXX  account with a popular platform called XXXX XXXX is a platform used to connect social links, promotional links etc for content creators to promote themselves and share their links with friends or family. XXXX encourages users to connect their XXXX account or any other payment method to make it convenient to receive direct support from fans, or XXXX XXXX XXXX. I thought to myself that it would be okay considering that ****** also allows you to connect your ****** email through supported 3rd party platforms like XXXX, etc to receive payments, send payments. I Could not understand as to why i randomly got permanently banned form my XXXX account as i simply connected my XXXX to my XXXX account. I received the email from XXXX shortly less than 5 minutes after. within an hour after a Friend of mine wanted to do some investigation as well in their hopes to assist me with trying to find out what could have caused my issue, they attempted the same thing as well by connecting their XXXX  with XXXX and the same exact thing that happened to me happened to them as well, now unfortunately we are both " permanently limited '' from XXXX my assumption is that it appears to be a potential error or mistake in XXXX XXXX  automated system and i beleive both XXXX and XXXX must be aware of this issue and inform their users and employees. I would grandly appreciate any support possible as i use my XXXX for work, business, receiving money to friends & family, and making bill payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by a XXXX XXXX XXXX XXXX, on XXXXstating that I owe a debt of {$11000.00} for a Military star Credit card. As I explained to the collection company, I have never applied for or owned a military star credit. then around XX/XX/XXXX, I got a letter showing interest accruing on this fraudulent military star credit card to the tune of {$11000.00}. I asked them ( XXXXXXXX XXXX and AAFES ), to look into this account for fraud. the collection company has yet to provide a copy of the signed application or any pertinent proof, that I applied or received a credit card from the AFFES ( Army Air Force Exchange Store. 
I have sent notices to the collection company and also to the AFFES, and none have taken corrective actions to correct this injustice of identity theft. 
XXXX XXXX has now taken unprecedented actions in XXXX and seized my XXXX tax returns on this fraudulent account. 
I have been reaching out to attornies and other governmental agencies for assistance in this fraudulent matter, stating to these entities I did not owe this bill nor was it my account, to no avail on several occasions I was informed that this case is not going away because was like owing the IRS part of the government. I am still in search of and seeking to correct this wrong and prosecute the Individuals or whomever that have wronged and stolen my identity and created this fictuticious 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: IL
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 checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: WI
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I participated in a program for a free phone from XXXX XXXX but after finding there was hidden fees and rules I decided to return it. I was to return the phone and I would receive a refund and all further charges stopped. That never happened instead they continued to charge me for a phone I had returned. after contacting XXXX with XXXX  on the line we were told the item was infact in the warehouse and that they would fix the issue, but that also never happened. In order to rectify their mistake of automated charges they we're issuing me refunds. One of the final times we spoke the representative said the issue was they weren't issuing the entire credit to absolve the debt, but she would and i wouldn't receive anything else. Some time passed after and I received a letter from Credit Collections Services in XXXX MA stating they would send me to collections if I didn't provide documents stating otherwise in approx14 days. I provided the information promptly stating that I didn't owe any debt and that the information was false. I. e. tracking number, invoice and email ; requesting they not move any further according to the law and my rights. Unfortunately, they have decided to move forward even though I've shown multiple documentations explaining in depth that there is no unpaid order, they are violating Fair Debt Collections Practices Act, section 809 ( b ). XXXX shortly thereafter emailed me requesting the payment as well as the Credit Collections Services, both attempting to collect. I do not have any devices or unpaid orders ( the date included in the bottom of the photo ). 

XX/XX/XXXX ordered. {$27.00} XX/XX/XXXX return issued. {$0.00} due XX/XX/XXXX sent XXXX XXXX  returns. 
XXXX phone arrived at XXXX facility and return issued again. 
XX/XX/XXXX charged {$28.00} XX/XX/XXXX refunded {$28.00} because the phone was returned {$0.00} due XX/XX/XXXX received collections letter dated XX/XX/XXXX in the amount of XXXX. 
XX/XX/XXXX disputed the claim with Credit Collections services XX/XX/XXXX received an email from XXXX requesting {$390.00} XX/XX/XXXX received letter from collection saying they are proceeding to collect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.

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 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my balance in full via the mobile app, yet received a statement the next billing period for only interest. I have carried a balance in the past and have been paying it down to pay off. When I paid my remaining balance in full via the mobile app, I was presented with the option to pay the minimum, pay the balance in full, or pay another. I selected to pay the balance. The assumption is the balance due would include interest. There was no mention of interest not included, so I expected my payment brought my balance to {$0.00}. When I called about the interest only, I was told the interest is only calculated at the end of the billing cycle after the payment as made. If I had wanted to find out the pay off balance, I should have called customer service for the pay off amount. Nowhere on the mobile app or website does it tell me the total balance due does not include interest and its different than the amount they show as the payoff balance, and nowhere does it mention to call customer service to find out the pay off balance. They are hiding hidden accrued interest charges. The calculated accrued interest needs to be included with payoff balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding CFPB complaints # XXXX, XXXX, XXXX, and XXXX. 

Attached are the proofs. 

XXXX XXXX letter proves that identifying information on the wire to apply the payoff balance on XX/XX/22. 
The error was on Wells FargoXXXX. 
While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per XXXX. 
Honor the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.

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 2022-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I tried to dispute this closed account with XXXX balance, because they are reporting with late payment. As far as I know it is illegal. I need a quick resolution for this. 

Account Name : XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed my account after being with them for 15 years with little to no notification. The only way i found out it was being closed when i went to dispute an unknown charge. I was given no reason as to why its being closed just that it was managements decision and there was nothing that i could do about it. CSR after CSR either couldnt assist me, could not direct me in the right location or even help with a future direct deposit that was coming. One CSR even hung up on me. Though it may be speculation but i was told that this may be due to a fraud check that entered my account where i had been a victim of identity theft and all consequences i had rectified on my own with minimum investigation or support from USAA. Now that it is all said and done, they are not granting me the ability to extract my funds and have left me, while on military orders unable to provide for my family and in further hardship. Ive contacted the XXXX which USAA then gave me a call and told me they will attempt to investigate. Ive contacted them back the next day because the direct deposit hit and Im left with no answer but a later follow up call stating that they are unable to do anything about the account but they will see how to transfer the funds out. Contacted a CSR the following morning and they informed me theres nothing that i can do and that i must wait an additional 10 business days in order for the account to fully close but it can still receive my money but not give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting this complaint against Experian, XXXX, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA, since XX/XX/2022 to present. I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: NJ
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020

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 2023-06-10
Company: Experian Information Solutions Inc.
State: CA
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 am submitting this Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance $ - ( previously Late Open ) XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} DEPT OF ED Inquired on XX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being.

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