BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: FC HoldCo LLC
State: IL
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:
The company XXXX XXXX  appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

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 2019-09-04
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX- XXXX XXXX XXXX/Capio I called them multiple times and they sent me one letter. Just recently for a supposed {$550.00} debt that was never paid back in XX/XX/XXXX. I have tried to contact them multiple times in order to resolve the issue and find out what the debt is for. They have given me multiple stories about multiple hospitals and procedures. But nothing verifiable. They have now put it on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
see attachments new information compiled by a former compliance officer of several banks., presented in a more logical way, what I wrote before was scattered but 100 % true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or about XX/XX/2021, I opened a checking account at M & T Bank located bat XXXX XXXX XXXX XXXX, New Jersey XXXX. I have not received a banking statement documenting my deposit/transaction and I voice my displeasure. I would like to receive monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CMRE Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a bill for something I feel I don't owe, CMRE financial services is sending me a bill to an address I have not lived at in over 15 years. When I lived in in California I always had XXXX  to cover any medical expenses. I fell they are fraudulently trying to collect on something that is not mine. I demand that cmre financial services send me proof of this Bill in writing as required my the fair Credit reporting act by 5 days of receiving my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I spent {$25000.00} using my American Express Gold Delta card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my Delta Skymiles account and reported to Delta the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my Delta Skymiles account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. Delta asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Cascade CISS Holdings, LLC
State: AZ
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:
I've tried to reach out to Credit plus concerning my consumer report and how they're violating my rights. This company proceed to report to my consumer report without my consent i asked this company to provide an SSA-3288 to show that i gave them consent to report anything on my consumer report this company decides that they don't have to provide anything, and they can continue reporting to my consumer report. This company have to remember that there are laws that they must follow and that they have to respect my right to privacy. That Federal Law trumps policy and that they're violating me according to 15 US code 1681a ( 2 ) ( Exclusion ) it clearly states in that law what can and can't be on a consumer report Transaction & Experiences was some to throw out there that they clearly don't follow when it comes to the consumer and they're consumer report. And as a consumer this feels like public humiliation because of what Credit Plus put on my consumer report. I told Credit plus to provide me with an SSA-3288 form to show that i gave them consent to do illegal activity on my consumer report even if they're process is online, in an office, or on a boat they still by law have to provide proof that i gave them permission to do illegal activity on my consumer report. Without permission Credit plus have to understand that i have a right to privacy. And they're violating my 5th amendment rights and they must uphold the constitution According to 15 US code 1681 ( n ) I'm supposed to be protected against agencies that didn't get permissible purpose to obtain my consumer report and i should be reward XXXX dollars per violation and account removed because of these illegal activities. I could but i want to pursue criminal charges according to 15 us code 6823 because i told Credit Plus that they were violating me, and they didn't even take what i was saying serious. Credit Plus has caused hardship to not only me but my kids also by not removing this account instead they are now deciding to continuously violate more consumers rights. According to 15 US code 1681 ( b ) This law alone shows that they just going to keep violating consumers rights i would like for this issue to rectified with an explanation to why do they think they can violate consumer protected laws

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. 

I have been trying unsuccessfully to change my payment terms to interest only where there is a monthly interest payment. I WILL PAY THE INTEREST MONTHLY. Then once a year in the fall ( FOR 5 MORE YEARS ), the XXXX will make their government principal payment towards my loans. 

The reason for this is so that I do not have to pay back money that the XXXX will be paying on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. 

I have attached proof from the last two years of the government payment. I also have attached my contract for Student Loan Repayment Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: WI
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 recently checked my credit and noticed a fraudulent account that I have never applied for nor authorized anyone to apply for under my name. It says XXXX XXXX which I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am very aware Banks like XXXX XXXX XXXX and Wells Fargo having been doing the following. 
Currently, my complaint is with Wells Fargo because it is just really deceptive and fraudulent. 
When a debit is made it is automatically taken from the available balance but is listed as pending for a few days.That 's fine. BUT here is the problem,,,, they have been listing posted transactions for one date then they reshuffle the account to make the initially posted transaction date for another later date thus incurring overdraft charges. 
For example,, I made a purchase for {$210.00} on the XXXX,, It posted by the XXXX. I made a deposit on the XXXX for cash {$100.00}. My balance said $ XXXXThe next morning my account said - {$120.00} and that the purchase of {$210.00} was posted on the XXXX but was already posted on the XXXX. 
The online bank representative alleges it was listed as pending until the XXXX,, which is not true. As well,, he alleges merchants are given 30days to collect funds,, that also is fine but the deduction is already reflected in the balance and is not debited back into the account. 
I even was able to obtain a cash overdrawal of {$200.00} after the XXXX,, but had deposit of {$350.00} but was charged for that overdraft,, so they reshuffled again to take another overdraft fee. 

This is unethical,, a balance is a balance,, a posted item date can not be changed to a future date to incur overdraft charges,,, it is actually charging me for one item more than once.

Then they hide the reshuffles,, so that the latest one is what is seen,, they do not provide the previous reshuffled balances,, this is completely illegal,, I should be able to see ALL changed statements which reflect ALL the changes they made.

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 2017-06-30
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:
Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and sent only this itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copy of my letter to them, FTC Opinion Letter, their response. Please note that they did not bother to respond to my 2nd request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} TXXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX   XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2018-01-31
Company: SYNCHRONY FINANCIAL
State: MD
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:
I have contacted this company a total of 4 times. Each time, the fraud department said that it was an accident and they would remove it from my credit report. Each of those 4 times, I've waited 30 days and the credit inquiry still stays on my account. I'm not sure what to do at this point. Someone in the fraud department says it will be removed, but it still isn't getting removed. This has been on my report since XX/XX/2016.

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 2021-10-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
{$460.00} was paid to me using PayPal on XX/XX/XXXX. It was been on hold during that time. PayPal will not release my funds to me, it is now XX/XX/XXXX. This is an unfair arbitrary hold on money that is rightfully mine. As a payment service they have committed fraud against me the consumer since they have held my funds in their possession and thereby refused to complete the act of payment. I also paid a fee for this payment that has not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent letters to the Equifax to notify them that I am a victim of identity theft and there was an account reporting on my credit report that does not belong to me as of today XXXX XX/XX/2021 this inaccurate/fraudulent account remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Made a payment to my American Express Card on XX/XX/XXXX. The payment was for the total balance reflected on my credit card account, which I checked and paid online that day, and the TOTAL BALANCE of the account was {$18000.00}. Which I paid all of it. I then went on to put new charges in the account, and those new charges amounted to {$5500.00}. Besides these charges, I was charged a annual fee of XXXX and interest charges in the amount of XXXX. 

I use a feature called pay over time. In this feature, all charges over 100 dollars would be eligible to be payed at a later time, accruing interest agreed upon in my contract. 

To my surprise, when the next bill came, my minimal balance was {$3700.00}, over 50 % of my total new charges. In all my previous statements, even carrying high balances, my minimal payments never went above 1500.00, and never more than 10 % of the amount due. 

The more alarming thing is that the amount for the new minimal payment is almost exact the amount of the 2 purchases made at the same store : XXXX  XXXX. I made two purchases on that store in the amount of {$3700.00}. I am a first time XXXX  buyer, and I exercised my constitutional right to purchase two XXXX  and ammunition. At no instance the purchase was flagged, or any communication took place between myself and AMEX on any changes for my purchasing power or eligibility changes for the paying over time feature. 

In questioning American Express, they could not answer my question regarding what happens when I pay my balance in full. They " explained '' to me that making purchases after I payed my balance in full made their system apply my payment to the new charges, generating more interest. I profusely protested this, but they said that this is how the system works. 

So please help me. When a consumer pays a bill in full, what does that mean? To me, once I paid the bill in full, new charges were just that : new charges. I made a payment, on time in XXXX of XXXX, almost half of the new charges, and American Express says that my account is delinquent because I did not pay the " new '' minimal amount due of {$3700.00}. Amex is reporting this to the credit score agencies, are charging me interest that is abusive and I also have late fees in my account even though I paid on time ( payment was done on XX/XX/XXXX, when it is not due until XX/XX/XXXX. I have all documented. Please help me. As you will see in the statement from XX/XX/XXXX attached here, they do not zero my balance once I paid on XX/XX/XXXX. They considered all the charges of the month, despite the fact that I paid the balance in full on XX/XX/XXXX. And everything after that is a new charge from an account that was brought to paid in full with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX XXXX {$5800.00}

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 explanation
Consumer complaint received 2021-10-21
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am asking for cooperation from NationStar Mortgage, LLC OFF Loan no. XXXX and given XXXX XXXX. XXXX given Title commitment I just did not proceed with this loan and is an resolution to the Mortgage and Insurance fraud by XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That on XX/XX/XXXX I received from XXXX XXXX dated XX/XX/XXXX as the corrective order Title Ownership to XXXX XXXX and XXXX XXXX order no. XXXX and again, again and again over XXXX  never paid XXXX for XXXX XXXX XXXX XXXX, mi XXXX and is A Big Fraud. 

Which means XXXX XXXX faked a title commitment no. XXXX and which means XXXX XXXX XXXX also faked clear title which is the reason the on XX/XX/XXXX michigan state treasury sent myclaim id escrow XXXX to XXXX  and XXXX contacted me contacted me with a claim number as XXXX and they are clearly lying to the CFPB and should face penalties.

Company response to consumer: Closed with explanation