BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Stellar Recovery, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX today and was gave the name of the company reporting all this false information. I was told that they didn't have any contact information for this company. So by law how can this company be reporting fake names and addresses. The name is XXXX XXXX this is not my name this has been going on for months with this false information. I keep reporting it but it keeps happening over and over.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I purchased a product using my AMEX from XXXX XXXX. The Item I ordered was not the item I received. The item XXXX shipped was an inferior product, that was {$50.00} higher than the last minute deal I purchased ( but my purchase was a better computer ). XXXX would not honor the purchase and tried to give me {$50.00} credit. I said no, and returned the computer via XXXX two days later. I waited on my refund, but they delayed it and blamed AMEX saying they sent the refund and AMEX was holding the money. Until then I had no problem with AMEX BLUEBIRD. My employment direct deposit went to it, and I used it always. XXXX kept saying AMEX had my money. I had conflicting emails, and called AMEX BLUEBIRD, who said that if they had my money, they would automatically release it ( although policy enacted in XX/XX/2018 ) says that merchants may request 7 days hold on refunds (??? ). Finally, after much moaning and hollering, a rep from XXXX calls me and tells me my money is on the way, she gives me my card number and says she has talked to XXXX and that the money is on the way. I find out later they brokered a provisional credit with AMEX, until they could send the money. All the time XXXX blamed AMEX saying they had the money. I felt like this was a back door deal and that AMEX was conspiring with XXXX ( the merchant ) behind my back, although I was the customer. I changed my direct deposit and stopped using the account. On my new positon with my job, I found out the importance of data integrity for customers and I feel the AMEX violated my privacy and is in cahoots merchants and the expense of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: VA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-04
Company: EQUIFAX, INC.
State: NM
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:
Today, XX/XX/2021, there is a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I have never applied for a personal loan with this company and need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When my loan was first created I had to contact them about information that didnt add up. Mainly my APR rate. My loan paperwork that originally signed gave me a rate of 11.9 however after having it calculated numerous times it is actually at 12.34 percent. What made me catch in to this is that when I bought the from XXXX XXXX  XXXX they lied about my credit score to help boost my APR in the first place. When I called them to try to straighten the issue out, they kept asking me if I wanted them to pick up the vehicle that the loan was for. I explained that I have made all my payments and I would like my issue fixed. There idea of a resolution was to take my car and default on the loan. This happened one month after receiving the loan, date was XX/XX/XXXX. They are also missing multiple payments in my statements for the first few mo tha of my payments to help them better cover up my actual interest rate. I have called and asked for all documentation at the same time of XX/XX/XXXX, which they refused to give me stating that it was all inside my account online. Which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: HSBC NORTH AMERICA HOLDINGS 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: Account status incorrect

Complaint:
I mistakenly missed a payment on my account while I was taking care of an ill parent, I thought I had a handle on all my parents as well as my XXXX parent 's but I missed a payment and it is now showing as 30 days past due and they took the extraordinary step to have it showing on XXXX as not more than 2 months past due. I have struggled for the last 2 decades to repair my credit and this is the only blemish. I have tried multiple times to have HSBC show good faith and assist but they refuse to do so. I have paid off the account but I am not willing at this time to sever my relationship with them.

Please reach out and see if they would be willing to work with me to remove this one issue on my credit. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received an alert on my credit report that a new debt had been added. The debt was for {$97.00} and was from XXXX XXXX XXXX XXXX. I called the debt collector ( Amsher Collection Services ) on XX/XX/XXXX. The representative was ready to take payment by phone despite my informing her that I had paid the debt, well over a year ago. The representative also stated that notices had been sent to my address. I told her I had not received any notifications and asked to confirm if they had the correct address. The representative gave a wrong address and when I tried to correct her, she transferred to her manager. The manager told me that I would be able to dispute the claim when they send me the information in the mail. My next call was to XXXX XXXX XXXX and they confirmed that the debt had been paid. I was upset and contacted Amsher Collection Services. They stated it would take around 30 days to confirm and remove the debt from my report. The frustrating part was that Amsher Collection just added the debt without confirming it's authenticity. They were unreasonable and acted like it was no fault of theirs. I searched online reviews of Amsher and the reviews stated that they were notorious for adding debts to credit reports with no justification. That practice is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in regard to a debt I do not owe. Most likely as a result of identity theft. The amount of {$880.00} is not mine. I received no letters or any receipts of any bills that pertains to this account. The collection just showed up in my mail 3 years after it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2021 On XX/XX/2021 process was initiated to send money to my son in XXXX XXXX as I had done several times previously. After not receiving the transfer I called and was told there was a delay... later that day I received email requesting proof of my identity, which was provided by the means they requested. 

Called back on XXXX XXXX, and XXXX XXXX they said all was OK and would be solved in 4 hours. 

Nothing to this date. And this is the second time they do this with the same excuse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I applied to and received a loan from the SBA which approved and deposit into my Chime account. Chime froze my account and refused to release the money. Its is requiring that I submit a number of documents such as my business tax filings and XXXX to verify information that was already considered in my SBA loan. As a result of this illegal activity I have not been able to gain use of the loan while incurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: National Collection Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX college falsely charged me for a semester after an issue with my parents taxes, I have a deragatory mark on my credit of XXXX for the National Credit Management open XXXX 2015. They repeatedly called and harassed me for months telling me why did I go to school if I cant pay for it, and that I think Im invincible since I didnt pay it and Im think Im above the law and a criminal, and cursing at me exclaiming they didnt give a XXXX about why I dont have the money. After letting them know I do not want to be called and would be going to the college they repeatedly called and harassed me for weeks after that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mid West Recovery SyS in the amount of {$280.00} is falsely reported as negative on my credit report. When I finally got through it was for a payday loan. I have never in my life needed or would ever take out a payday loan. They said the this occur in 2003. I said what? This is flat out un-true, false, and a lie! On the credit report it said the highest balance on this derogatory amount was {$2100.00}. If I owed {$2100.00} why are they asking for {$280.00}? Makes no sense. I have never taken a payday loan out in my life. This is false, and I would like to have this removed from my credit report. This company was not able to give any specifics on what the name of the company what date, how does a payday loan work? Was only given the year it was done which was 2003. No month date or time. This is down right false!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm a new homeowner since XX/XX/XXXX and have been making on time payments every month-for 14 months, I was finally feeling financially confident to raise the minimum monthly payment so went online to do that- turns out I assigned a second one-time payment for the XX/XX/XXXX mortgage ON TOP of the automatic payment I thought was adjusted. So within the same week I had a deduction of {$600.00} on XX/XX/XXXX and another deduction of {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I realized the second payment was coming out of my account- so I called AmeriHome mortgage and even talked to a supervisor about this mistake. They tell me because I made the error I won't be getting a refund and it's too late to stop the payment ( you can only stop it 3 days prior to the deduction date ) I'm furious that a simple mistake on their complicated website created this issue and now I'm unable to pay my other bills- which will decrease my credit score and basically make me regret this extra error way more than is necessary. I'm looking for another company to refianance because no way will I allow Amerihome to do this to me again! they've lost a 30 year contract because of their inability to see commonsense

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax cant find or locate my credit file. I know that Im putting my information in correctly but still not has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have called and email Equifax my driver 's license and social security card and paycheck stub with all of my person information on it, I have an twin sister whose information is on my credit report, I don't own a home but her mortgage is on my credit report and some of her other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Square Inc
State: VA
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/2020 I tried making a purchase of {$1.00} and was declined even though I had the money available. I checked my profile and it told me my account was closed. I emailed for an explanation why and Square Inc sent a generic email about violating the terms. This didnt start happening until I started using the app for stocks. I have done nothing wrong and barely use my cash app account. Only for XXXX or stock purchases and small store purchases for the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I have a capitalize card in XX/XX/2023 I was informed that someone made a payment on my account. And I need to send a statement from that bank. I dont know who sent the payment and I dont even the name of the bank so they put a restriction on my account till I send the statement. Then they started adding late fees. Because I didn't send a payment on account I can't use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to health reasons I can no longer live in my home of 17 years I am XXXX and can't walk up and down stairs with ease. I found a buyer and I am trying to do a Short Sale because I owe more then its worth plus it needs major repairs Mold damage/Termite damage/Water roof damage, etc and I alerted Wells Fargo of all this from day one. Wells Fargo denied the Short Sale saying they want 90 % of what is owed and that defeats the purpose of a Short Sale. I have had to move to a rental and cant afford to keep paying for a unit I cant live in and Wells Fargo is unwilling to take what is offered by buyer who has to repair the unit which will cost him thousands as it is to make it livable again. Wells Fargo has never worked with me when I went to them in all the years I owned this condo and now is no different. You would think a falling apart unit would be a relief to have sold in a short sale and not have to repair it themselves but no Wells Fargo wants me to walk away from it and they get it back while our credit is ruined. They don't understand I cant live there due to health issues I cant walk up and down stairs its a townhouse but they don't care.

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 2019-08-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX never sent me a bill from when I open the account. I made a purchase at their store and they gave me some discount if I would open the card so I did, but the issue was I never received the bill, once I finally got a call from them or I called ( can't remember ) my bill already had accumulate late fees and interest so I asked how much was to pay and close the account the lady gave me the statement and I did. 
Now they keep sending me bills that are not from purchases but late fees over late fees, I refuse to pay is outrageous if I already paid and asked for the account to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
COMPLAINT DETAIL XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I purchased a money order, for cash, from PLS Check cashers at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The money order was for {$500.00} and was payable to XXXX, my landlord, for my monthly rent. 
I mailed the money order to XXXX at XXXX, XXXX XXXX # XXXX, XXXX NJ XXXX. XXXX informed me that they did not receive the money order and after PLS researched for me I was given a copy of the money order which had been fraudulently altered to be payable to XXXX XXXX, to the order of XXXX XXXX XXXX. I do not know either XXXX XXXX or XXXX XXXX. 
On XXXX/XXXX/XXXX I completed an Affidavit of Alteration and was told by XXXX, Store XXXX at XXXX XXXX XXXX XXXX, XXXX, NY XXXX that it would take 6 months to research my problem. I also filed a police report. 
After 6 months I was told the research would take a year but I still received no information. I consulted with XXXX XXXX XXXX who also called PLS and were told that the research would take 18 months and no further information was available. XXXX XXXX XXXX wrote on my behalf to PLS and to XXXX XXXX, XXXX XXXX, Illinois the issuers of the money order but no further information has been received. 
It is now 21 months since I filed my Affidavit of Alteration. I believe I should receive repayment of {$500.00} or an explanation as to why that is not possible.

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 2023-11-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I opened business gold checking account with US bank for my business which is located less than XXXX from the local US bank branch. I intiated the {$100.00} opening deposit on that same day via ACH. The following day, XX/XX/XXXX, I entered a US bank branch and depsite receiving poor, discriminatory, and unprofessional treatment from branch employees I deposited a business settlement check in the amount {$30000.00}. I was told there would be an extended hold on the funds for the check to clear which was fine. The following business day, XX/XX/2023, while setting up the online business app I was locked out of the account. Upon contacting US bank I was told the account was being closed but was not given a reason because it was a different department. I was given a name and number to call for specific information regarding the closure. To date, I have left several messages for the person I was told was handling the account but have never recieved a call back. On XX/XX/2023 I contacted the issuer of the the check to verfify that it had cleared and there were no issues with the funds. I was informed the check cleared on XX/XX/2023 and the funds had been transferred to US BANK without issue. It is now XX/XX/2023 and I have yet to receive any communicion from US BANK regarding this issue of why the account was closed or why they are holding my funds for such an extented period of time when everything is easily verifiable and all funds have cleared without issue. I have just recieved the latest account statement which shows that the account is still techinically open and the balance is currently {$29000.00}. I have been in business for many years and have a large physical location near a US bank branch.

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 2020-01-03
Company: Receivable Solutions, Inc.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation