BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing with a collection agency by the name of Online Information Services. They have reported to all three credit bureaus stating that I owe them in the amount of {$85.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Online Information Services. 

Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX  ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Online Information can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was reposted and has been in their custody. I have been trying to find the money and resources to get my car back even trying to call them on a regular to see what my options were. I called Santander on XXXX XXXX, 2017 to see what my best option was as I could not come up with the full amount. I was told that if I made a payment of XXXX which is the monthly payment of the car, I would get an additional 10 days to come up with the rest. I accepted the offer. The representative then asked me if I would be making that payment that day, I told him if I received the funds from my mom who was aiding me I will as I was waiting for a check. The representative then said ok. He did not notify me that he had already given me the 10 days extension. In my mind and from what he told me I had to make the payment first before receiving the extension. He went ahead and gave me an extension without my knowledge. So when I called back on Friday XX/XX/XXXX with two months worth of my payment, I was told the extension was already given. The problem with that is, I needed that extension so come up with the rest of the money. Without him telling me that and informing me, it messed up my whole plan towards insuring I get my car back. I called back and tried to work with them and speak to a manager and I was told I had to make a payment by XX/XX/XXXX or the cost would go up. I have struggled to come up with what was needed and what I was told only to be told something else. It 's been like that the past month. With this company. It 's not fair that the representative did not communicate that with me. He should have told me he had given me an extension already, so I know the days and the time I needed to make my payment by. It 's not my fault that he did not communicate that with me, it would have made things easier for me knowing my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase Case ID : XXXX My XXXX BTC has been awaiting approval from the coinbase vault to the main wallet since XX/XX/17. Actually since XX/XX/XXXX but i cancelled and retried again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have recently ordered my credit report from XXXX and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My wife and I use USAA as our finachial institution for direct deposit, payment of bills and auto/rental insurance. The main frustrating issue I have with USAA is getting charged non-sufficient fund fees. I feel that NSF fees are thefts being made to consumers who are forced to use banks for making payments. It is unfair, it is unethical, it is wrong for USAA to steal from me ( and people like me ) and yet at the same time have a net worth of over XXXX XXXX dollars. I recently received three NSF fees : XXXX XXXX, 2017 CHK # XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX {$29.00} I called USAA in regard to this matter and I was told that my account can no longer receive any NSF fee reversal due to NSF fee reversals in the past. I can not afford to have USAA steal {$87.00} from me in addition to the three company 's that I have revived fees from also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, XXXX 2017 I disputed account was not received due to a change of address and ask the company to remove late payments. The never verified my a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX report late payments in XX/XX/2018. When I reached out to XXXX XXXX   they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me XXXX XXXX report late payments on my credit which XXXX XXXX  denied they did when I asked about it in XX/XX/2018. I am attaching emails from XXXX XXXX where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 my loan was transferred to M & T Bank. In XXXX I changed my home owners insurance to a better rate. I was billed an incorrect amount of $ XXXX monthly payment when my payment has never been over {$620.00} for the last 11 years. I called M & T Bank and was told there was a mistake that should have been handled previously, but wasn't. I was told to wait 5 business days for correction but nothing happened. After calling back XX/XX/XXXX, I was told I must pay the {$910.00} and they will fix it when they get to it. After speaking with a supervisor they calculated the corrected payment which was still higher than normal at {$660.00} which I paid at that time. Today XX/XX/XXXX I receive a letter of unapplied funds of {$660.00} and a statement for XXXX bill for {$910.00}.

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 monetary relief
Consumer complaint received 2017-07-31
Company: Consumer Portfolio Services, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello- My name is XXXX XXXX . My car loan was paid in full and there was an over payment taken for $ XXXX- after arguing back and forth with Consumer Portfolio Services to try to get my money back, I was told that I would receive a cashier 's check for {$280.00} ( I am not sure why the {$11.00} difference- I asked several times and never got a response ). I was also told that I would have the money deposited back into my account with 24-48 hours however, they are now supposed to be sending me a cashier 's check. I am NOT HAPPY. I have called three times and emailed them 5- I have not received a response ... I have chased them for weeks and still do not have the money that is due to me. This company is completely unprofessional, irresponsible, and should not be allowed to conduct business as a financial company. My account number with them is XXXX. I have been dealing with XXXX XXXX. I was told to send them a bank statement showing that they took the money out of my account ... which I did. They told me to fax it- their fax machine did n't work. I had to scan the statement and then sent it to them via email. I then called for three days to get a status update. The bottom line is I am not sure why I STILL do not have the money that is mine and why they have given me the run around. Their last excuse was that the pay-off amount was incorrect and that their accounting department made an error. The pay off amount was {$9600.00} and they said that the check that was sent was only for {$9300.00}. Please let me know how I should further proceed. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
hi, My delta gold was cancelled due to a mistake. A few days ago, I called amex to reinstate this card. But Amex still clawed back the welcome bonus. I called Amex and was told there is no way to credit back once the miles are clawed back. But clearly my card is not cancelled but amex just refused to credit back my miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX DOB XX/XX/1971 SS XXXX I have some errors on my file that I need to have addressed. I have an incorrect name on my credit my name is not XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these unknown numbers : ( 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 ) 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-07-31
Company: Omega RMS, LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX XXXX,2017. {$2800.00} i call to resolve the issue I told them it will be the first of the month but they keep calling and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ON XX/XX/2019, I TOOK OUT A MONEYLION LOAN AND MY AGREEMENT WAS TO HAVE AUTOMATIC PAYMENT DRAFTS BIWEEKLY TO PAY OFF MY BALANCE. MONEY LION TOOK BIWEEKLY DRAFT FROM MY XXXX  XXXX ACCOUNT ENDING IN # XXXX UNTIL XX/XX/XXXX WHEN THEY STOPPED!!! I HAVE BEEN TRYING EVERYDAY TO CONTACT THEM TO RESOLVE THIS MATTER!! THEY HAVE SINCE REPORTED ME TO THE CREDIT REPORTING AGENCIES AS 30 DAY DELINQUENT WHICH IS FALSE!! 
MONEY LION HAS AN ALERT ON THE XXXX WEBSITE OF THIS ACTIVITY AND THEY ARE HARMING CONSUMER CREDIT WITH THIS LENDING PRACTICE. 
PLEASE HELP ME! THEY ARE RUINING MY CREDIT! 
I AM UNABLE TO CONTACT THEM TO RESOLVE THIS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My problem stems from a disputed I filed over season tickets with a local major sports franchise, And was never mailed the questionnaire to continue to dispute was never mailed documentation that the provisional credit was going to be reversed of {$250.00}, and once that happened and I didnt know about it cost me overdraft fees of {$140.00} Which I had to have escalated to another department to try and get back which they finally did, and I stock money in the bank to cover all pending transactions in the reversal of the provisional fee credit. 


I also re-file the dispute, and I wake up today tomorrow overdraft fees from things that just showed on my end that I had covered, and a woman in the escalations department by the name of XXXX XXXX was only concerned with trying to sell me more products. 

I went to the local branch and talk to XXXX XXXX, And explain the situation and what is going on over the last couple days and that I have thousands in another account, which I made a point out dont you think if I knew I didnt have enough money in there I have the funds to cover it like this is XXXX that this keeps happening. 

Can you agreed however he tried to give me the feedback in the system would not let him in restricted him from giving me the feedback I am now refusing to put any more funds in this account because this is XXXX everybody I call nobody seems to care Im gon na try one more time to get this resolved if this doesnt get resolved I am leaving PNC for good and I been banking there for over five years

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original creditor was a XXXX XXXX ( XXXX XXXX XXXX ) ; insurance company denied payment because services of an assistant are not usually required during type of procedure ; I received a bill in XX/XX/XXXX almost a year after my XXXX in XX/XX/XXXX ; I immediately called the surgeon 's office ( on XX/XX/XXXX ) and original creditor numerous times ( beginning on XX/XX/XXXX ) to obtain additional information to assist with getting claim paid by insurance company and/or to determine whether or not I should dispute the claim myself ; there were no notes by the surgeon indicating an assistant was used during the procedure ; every time I spoke with original creditor 's office I was told they would call back with more information but they never did ; the amount I was billed by the original creditor was {$430.00} ; I wrote letters to the original creditor on XX/XX/XXXX and on XX/XX/XXXX requesting additional information but got nothing ; while I was still trying to get information from original creditor they referred the debt to a debt collector ; the debt collector sent a collection letter and called me repeatedly, telling me I owed {$2700.00} ( principal - {$2500.00}, interest - {$140.00}, interest rate 8 % ), despite my requesting validation of the debt ; I mailed a letter on XX/XX/XXXX, via certified mail, disputing the debt and requesting validation of the debts, amounts owed, and any agreement authorizing fees, interest, and other charges ; the service date was not the date of my XXXX and the amount they were trying to collect was more than 5 times the amount I was billed by the original creditor, so I was certain this was a mistake. I have still not received a response to my request for validation of the debt, but the debt collector has begun calling me repeatedly ; when I answered the phone and stated I had requested debt validation the collector told me it was in the mail and it's valid so how did I want to pay ; she was very rude and nasty to me, when I was genuinely trying to resolve this situation ; I genuinely believe this is all a billing error but can't get any information whatsoever from either the original creditor or the debt collector but I keep getting harassing phone calls ; I have signed copies of all correspondence and return receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Experian Information Solutions Inc.
State: KY
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 have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.

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 2023-03-11
Company: W&A Intermediate Co., LLC
State: MI
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I Am a Victim of identity Theft How can I be in Jail And purchase a Car. I see where the car was like XXXX and who ever stole my Identity was making payment and still owe XXXX. I am trying to finish getting my life in order and this is hard I never touch my credit and i never had a good Car. can you please do your research ... .. I even went to the County Jail House to Show Proof I was INCARCERATED AT THE TIME ... ....

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