BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 at around XXXX PST, I made a XXXX transfer of {$300.00} for 2 tickets listed on XXXX to a XXXX XXXX on XX/XX/2018 in XXXX at XXXX. After the person received the money they did not transfer the tickets. I tried to contact them, but they stopped responding to my texts and wouldn't take my calls. Before I sent the money, they did send me a photo of their WA drivers license. 

I notified my bank, Bank of America, and asked them to cancel or reverse the transaction. They said that I need to take up the claim with the receiving bank, XXXX. I called XXXX who said I need to take the claim up with my bank. Neither bank is willing to help. Please help me recover my money. Thank you for your help. 

XXXX transfer conf # : XXXX ( from my Bank of America account to a XXXX account ) The scammer 's confirmed phone : XXXX The scammer 's email used to receive the XXXX transaction : XXXX Info from the scammer 's Washington drivers license that they sent me a photo of : Name : XXXX XXXX XXXX WA Lic # : 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 2020-08-25
Company: I.C. System, Inc.
State: KY
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:
Ic system is reporting an account on my credit report that isnt mine. I wanted it delete off my credit repor immediately.

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 2020-08-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Company was asked to provided written documentation of signed contract for services provided and did not do so. XXXX investigated and did not provide proper documentation to me either and continued to report this debt on my credit report when XXXX XXXX and XXXX  removed before sufficient documentation was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: JPMORGAN CHASE & CO.
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:
JPMCB - AUTO FINANCE is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I sent this letter on XX/XX/XXXX in writing because they have made it so hard to dispute it any other way. I am writing today to document my dispute for two charges on my account. I am highly disappointed in how difficult this has been to dispute these charges given you ( Bluebird ) contacted me via text when you identified the fraud. 
I received a text from you last Friday XX/XX/XXXX asking me to call due to 2 suspicious transactions. You turned those transactions down. I then indicated I saw two charges that had just been put on hold that also did not belong to me. I was told I needed to call back after they posted to dispute them. Given you found the fraud this made and continues to make no sense to me. 
I called on Sunday XX/XX/XXXX after they posted. I had to go through another lengthy phone call and was told you would dispute them and I would receive something over email directing me how to submit it in writing. I still have not received anything so I am now officially putting it in writing. I also plan to complain to the Consumer Financial Protection Bureau. 

These two transactions do not belong to me. 
Store Purchase XXXX 'S XXXX 'S - {$110.00} XX/XX/XXXX Store Purchase XXXX XXXX - {$130.00} XX/XX/XXXX The last transaction I made was for {$17.00} at XXXX XXXX XXXX. I made the purchase in person and had my card with me at all times. Your staff told me that is where you believe the account information was taken that led to the fraud. I had to answer this question each time I called in, so I am providing it now. I did not file a police report because again you identified the fraud. I find that question ridiculous because as an owner of American Express Gold card with a similar incident I was never asked that questions and I never had to go through these hoops to put in a dispute and get it resolved. You clearly provide a lesser service to BlueBird Account holders. 
I am extremely disappointed in the service you have provided regarding these charges. You are in effect holding my money hostage and not going after the merchant that accepted a fraudulent number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is in regard to my Capital One Menards XXXX XXXX account. I made a payment of {$250.00} to Capital One for the account on XX/XX/2019 via electronic payment from my XXXX XXXX XXXX   checking. The funds were debited from my checking immediately. I called Capital One on XX/XX/XXXX to confirm their receipt of payment, because it did not show on my account online. They said they did not get the payment. I was told to send proof of payment via fax to their retail billing dept, to include a copy of my bank statement showing the payment was debited from my checking account. I sent the documentation on XX/XX/2019. I called on XX/XX/XXXX to confirm their receipt of the faxed documentation. They acknowledged receipt, and said they were looking into it. They said they listed the {$250.00} missing payment as a " dispute ''. At the end of XXXX, they sent me a letter asking for more proof of payment. They asked me to fax a copy of the bank transaction, issued by my bank, to show the electronic payment. I went to my bank, got this documentation, and then faxed that, as requested, to the fax number given on the letter. I faxed this on XX/XX/2019. On XX/XX/2019, I called again ( this is the fifth time I have called them ) for status update. The customer service rep said she had " bad news - they closed the dispute. '' When I asked why, she said " lack of response ''. I DID respond. I have sent them everything they have asked for. I have printed confirmation of successful transmission of the faxes to the numbers they instructed me to use. Today I spoke with two different representatives, one supposedly a supervisor. He said he would escalate the issue to the " back offices ''. I do not know what that's supposed to mean, other than they have once again found a reason to delay finding and applying my payment. My banker at XXXX XXXX bank said Capital One most likely applied my payment to the wrong account, but since they do have the transaction number associated with the payment, Capital One should be able to find the misapplied payment and correct it. What worries me is that Capital One closed this issue under false pretense ( that I didn't respond ). I have done all they asked within the time frame they asked, and they refuse to acknowledge my proof of payment or correct this error. They should either find my electronic payment and apply it correctly, or return the payment to my bank account as unable to be applied. I have sent every piece of documentation they asked for in order to resolve the problem, but instead of resolving the problem, they simply closed the dispute and kept my money. How is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have receive a bill on XX/XX/XXXX stateting that i own money to the collection company EOS CCA reference off a XXXX account that i never open in my life and i never had a XXXX account before. 
In XX/XX/XXXX this collection company report this account to the 3 credit company and it damage my credit, i quickly disputed this negative item on my report and it was deleted because this is my believe is a false account or some one stole my information and created this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX   tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.

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 2019-05-29
Company: EQUIFAX, INC.
State: AZ
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:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  partial account number XXXX. ( Please see pages 4 and 10 of the  attached credit report. ) I have already called XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
sometime on or about XX/XX/2016 the company by the name XXXX XXXX XXXX an office locater in XXXX IL XXXX. I have notifly this company and experience about this inquiry that has damage my credit with my creditors. I have no reason to file bankrupt my husband and I have about 90.000 00 per year income .while checking my most recent credit report. I noticed credit inquires that I did not authorize, I did not authorize anyone employed by these company to discuses any thing about us file bankrupt .which is serious effect our borrower power from the bank we do business with. by this error been on my credit file that I did not authorize. I have notify Experian  number of time to removal this from my file.. this is a violation of the fair credit act 1681b ( C ) and a serious breach of my privacy right. I ask Experian  to request a validate of my signature from this company .and there comment to me was that this firm is not a part Experian to contact.in the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. please note that you have 30 day to complete this investigation, as per the fair credit reporting act section 611.

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 2018-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my USAA debit card at a XXXX XXXX ATM on XX/XX/XXXX. I attempted to withdraw {$400.00} from my available funds. The ATM gave me an error message indicating that funds were not available and did not dispense any money. 

I immediately pulled over in the parking lot to check my account via mobile banking because I knew I had sufficient funds. My mobile banking app showed sufficient funds but also showed that the ATM withdrawal went through. 

I called USAA and they temporarily replaced the {$400.00} while they investigated. However, they withdrew the replacement money on XX/XX/XXXX citing a finding in favor of XXXX XXXX. 

I requested supporting documents in writing in compliance with their instructions, but never received a response, or my {$400.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've been a Discover Card customer since XXXX. 
My payment history is excellent and my Credit score is over 750. 
On XX/XX/XXXX, I contacted the company to request a reduction of my 21.24 % interest rate. 
I spoke with a CSR named XXXX and his Supervisor, XXXX. They both told me that their records show that I am eligible rate, however, no lower rate was shown in their system. XXXX was " intrigued '' by the situation but could not provide an interest rate reduction. 
He did offer a refund of the {$74.00} interest that I was charged on my last statement. 
I think I should receive a lower interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: BB&T CORPORATION
State: NC
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 mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it

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 2020-06-25
Company: Mercedes Benz Financial Services
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I leased a new vehicle on XX/XX/2019 through Mercedes-Benz Financial. I faithfully made payments on the vehicle, but then my husband left me, and I subsequently lost half of my income and had to take on all of the marital debt. I knew I would not be able to afford the vehicle any longer, so I made arrangements to turn it in. I did this in XX/XX/2019, turning everything over to Mercedes-Benz, no damage, everything intact, mint condition. I understood this was a voluntary surrender/turn-in, and my attorney advised me that this was the best option. Soon after ( less than two weeks ), MB Financial began writing me letters and calling me incessantlyearly in the morning before XXXX, and late at night at XXXXabout trying to collect an outstanding balance on the vehicle. I work in the evenings, so this would wake me up every single morning, and as soon as I would decline the call, they would call right back repeatedly. I was unable to block the call because it kept coming up as unknown. My lease was for four years, and the lease payment on this vehicle was {$1300.00}. The vehicle had a gross capitalized cost of {$84000.00}. The agreed depreciation value at end of the four year lease was listed as {$36000.00}, with the original agreed upon value of the vehicle at beginning of lease listed at {$58000.00}. However, MB Financial, even after auctioning off the vehicle was trying to collect from me {$62000.00} ( total amount of base monthly payments over the four year lease ) minus the months that I paid ( XXXX, XXXX, XX/XX/2019 ). The vehicle was 4 months old with less than XXXX miles on it. The buy-out price at the END of the lease was listed as the {$36000.00}. The amount they were trying to collect was more than the price of the vehicle and more than the value of the vehicle at the time they sold it. I have been disputing this debt with each of the credit reporting agencies continuously, and each time, MB Financial responds that it is a valid debt. MB has their vehicle back, theyve sold it, and theyre trying to collect MORE than the value of the vehicle from me on a vehicle that I dont have in my possession. They have been incorrect, unprofessional, pushy, aggressive, threatening, and uncooperative. I thought I was doing the right/best thing by doing a voluntary surrender, but it looks like it didnt pay off well for me. I need something to be done about these people, because they are relentless. Thank you so much for your time and consideration and help. I have XXXX little kids and am struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
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:
I have late payments reported on my student loan account that shouldnt be there because i had forbearance during all of the late payments that are being reported, i would really like to have this fixed before Fedloan shuts down and switches to the new servicer. They also never offered me to do the rehabilitation they always requested me get a forbearance me not knowing my loan was increasing tremendously during the time of all the forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company National Credit Systems been violating the law causing several damages to me difaming against me reporting an account with a different social security than the one that I have to my credit report. Please see the attached letter and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

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 11 XXXX   XXXX 12 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 explanation
Consumer complaint received 2020-08-25
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My LO  did a loan application over the phone. He grossed my income up since I am an SR and receive retirement and SSA non-taxable income. The underwriter changed the income from the UW and suspended the loan. I asked the LO for the name of the company and Underwriter. 

UWM XXXX XXXX, SENIOR UNDERWRITER ( XXXX ) XXXX ext. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got XXXX they are reporting false information and they are not showing anything I've paid since the before the XXXX they are also reporting I have XXXX  missed payment and that's not true if that was so they would have XXXX  the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks

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 2017-09-22
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After failing to work out a viable payment plan with Navient I submitted a cease and desist letter informing them that any further contact was unnecessary and would be considered harassment. This letter was received by Navient on XXXX XXXX, XXXX by certified mail. Navient replied with an acknowledgement shortly afterward but the calls continued to this day, XXXX XXXX, XXXX. I am filing this complaint because today ( XXXX/XXXX/XXXX ) Navient contacted my mother about my account and I feel their behavior over these five months amount to a sustained form of harassment.

Company response to consumer: Closed with explanation