BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: MoneyLion Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I took a small loan from MoneyLion. As I pay back, I've earned something called XXXX. Right now, I'm eligible for {$250.00}. I need to add my debit card that's also associated with my checking account, which they already have. Every time I try to add my debit card to the My Wallet feature, I get a message saying that my bank is declining my debit card. They are not. They've relaxed my card & put a merchant release on it as well. They keep suggesting getting another debit card ( my bank will not issue me a second card for the same account ) or open their XXXX XXXX accounts & do direct deposit with them. I have been with my bank for XXXX XXXX & not about to change it. There was one day last week where my card was accepted. The next step was to upload a photo ID & when I did, they said I needed to do it again. But ... ..my debit card had to be deleted from My Wallet & entered all over again. Guess what? Back to square one. This whole thing is like dangling a carrot in front of a horse but not letting the horse have it. There's {$250.00} I'm able to have but unable to access. There has been one person there who has been trying to help me, but I'm at my wit 's end. I'm paying the loan, they're charging me a monthly fee but unable to add my debit card to my account..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TradeStation Group, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've a XXXX account with Trade Station, where I had XXXX XXXX stocks. I was never informed that the account has inactivity fee or there is an inactivity fee coming up or due on my account, even though they had my email address and phone number in my account. They charged the first inactivity fee on XX/XX/XXXX and as a result, my account balance went XXXX  Subsequently to recover the XXXX amount, they sold XXXX of my XXXXXXXX XXXX on XX/XX/XXXX and charged me XXXX commission for this! All of these had been done without notifying me, although as mentioned before, they had my email address and phone number. 

They charged the XXXX inactivity fee on XX/XX/XXXX and as a result, my account balance went XXXX  again. Subsequently, they sold another XXXX XXXX to recover the XXXX amount on XX/XX/XXXX and charged me another XXXX commission for this. Again, I was never notified via email or phone of this activity. 

Following are the complaints : 1. Inactivity fee were charged without notifying me and there was never an attempt made to inform me XXXX XXXX XXXX XXXX XXXX} ) 2. Forced sold my position with out my permission 3. Charged an enormous fee as commission ( XXXX $ XXXXXXXX XXXX XXXX On top of that I lost money as my stocks were sold during a time when the price was low. Estimated loss to be around XXXX 

I spoke to them on XX/XX/XXXX about this and requested them to reverse these fees XXXX XXXX XXXX XXXX XXXX. Then checked on the status on XX/XX/XXXX and I was told the request has been denied! 

XXXX XXXX is doing a disservice to their customers and doing unauthorized activities to steal customer money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: HW Holding, Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Vs. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: TX
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 did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit 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 2022-05-20
Company: M&T BANK CORPORATION
State: RI
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:
Credit Inquiries on my credit report XXXX XXXX XXXX XX/XX/2021 M & T Bank Indir XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I logged into my Caliber account and it seemed as though my autopay had been stopped. So, I made a single payment to ensure that my XXXX payment went through. The next day, I learned that Caliber had been updating their online system and my autopay had not been stopped. Therefore, I ended up making a payment on both XX/XX/XXXX and XX/XX/XXXX. 

I did not want to wait for a refund check and was told when I called in early XXXX that we could simply apply the second payment to XXXX and I could wait to make another payment until XXXX. Instead, Caliber repeatedly incorrectly applied the second payment. First, they applied it to principal. I called and informed them of the mistake and was assured that it would be reversed and applied to the XXXX payment. Then, it was simply reversed and suspended on XX/XX/XXXX, so it wasn't applied to my account at all. 

I realized this second error when I received a letter in the mail, which was dated XX/XX/XXXX, in early XXXX stating that I was two payments behind and that Caliber would soon be notifying the Credit Bureau. I called Caliber on XX/XX/XXXX to complain that by XX/XX/XXXX my account should have been fully paid considering the double payment in XXXX. The representative at this point let me know that my XX/XX/XXXX payment had been suspended and they needed to submit a request for this to be posted as the XXXX payment. The representative also requested that I make my XXXX payment at this time, which I did online. 

On XX/XX/XXXX I realized that the XXXX payment I made online had been applied to XXXX instead of XXXX and called Caliber again to ensure that this would not cause the XXXX payment to remain suspended. I was assured that my request was still in process, the extra XXXX payment would be applied to XXXX, the XXXX payment would be reversed and applied to XXXX, and the credit bureaus would not be notified because I was not behind on payments. The representative could not give me a date that this issue would be resolved. 

On XX/XX/XXXX I logged into my Caliber account and saw that there had been a misapplication reversal on XX/XX/XXXX and no further changes. I called Caliber again that day to ask if there would be further progress or if this was another mistake. I was told that there were notes on my account that more work needed to be done to post the payments correctly and was in process, but again I could not be given a date that this would be resolved.

It has now been over two months sense this problem has begun with little to no progress and many mistakes. Every time I call in to try to get help I am given the excuse that due to recent software updates the representatives are having a difficult time doing things quickly and correctly and they can not give me any information about how long it will take to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: United Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has transfer an account to United Collection Bureau INC Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. United Collection Bureau INC is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In direct contradiction to their cardholder agreement, American Express has refused to credit my account for a fraudulent transaction of {$10000.00} that was charged to my account on XX/XX/2018. 

Despite repeatedly contacting them for the past 9 months about this issue and making it abundantly clear that I have neither authorized nor aware of what this charge is -- regrettably as of this inquiry, I still have no resolution ( nor credit ) for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called and sent certified mail to Transunion concerning them reporting information that hasn't been verified. I sent in the paper from XXXX stating no bankruptcy is reporting on my record. I contacted the courts they stated they do not provide information. Also, Transunion sent me the investigation report 4 days after receiving it, which let me know they did not investigate properly.

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 2018-05-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The account representatives at Navient ( formerly Sallie Mae ) have provided me with false information regarding the terms of my private student loans. They stated that the loans have entered the repayment period as I have supposedly reached a limit for in-school deferment. I informed the customer account representative that I am currently in school, full-time at an eligible university ( who provided the necessary enrollment verification documents to Navient ), and he responded that there is no way I could still be in school full-time after this many years. His response was not only offensive, but inaccurate, as I am currently enrolled in year 4 of a 6-year XXXX program ( + 4 years of XXXX education and 2 years of graduate training for my XXXX XXXX ). 

I have thoroughly reviewed the promissory notes for these loans and there is no mention of a maximum number of years in which a borrower is eligible for in-school deferment, and in fact, had the deferment been automatically granted ( as the promissory notes state it should have been given my continuous full-time enrollment ), then this loan should not have gone into repayment at this time. Furthermore, the account representative I spoke to most recently strong-armed me into committing to making monthly payments in order to avoid defaulting on this loan ( which was in fact, not eligible for default per the promissory note ). As a result, I have unduly suffered late fees, additional costs and interest, and damage to my credit score. I sent this information to the customer advocacy department at Navient and they responded stating that they only allow 48 months in-school deferment time. This information is not listed in the promissory note or any agreement that I signed or received. Furthermore, the loans they are referring to were disbursed in XX/XX/XXXX and XX/XX/XXXX ( far more than 48 months ago ), yet this is the first I am hearing of this 48 month limit. 

Their actions have violated the federal Fair Debt Collection Practices Act in numerous ways. They have continued to call me ( on my cell phone and at my graduate student office at school ) and my co-signer 6-7 times a day, every single day. They have threatened me with garnishing my wages and with litigation ( even though the statute of limitations has expired on these loans and it is against the law to threaten litigation on time-barred debt ). They have also provided false information about the legal status of my loan ( stating that it was going to default at XXXX that very day if I did not make an immediate payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at XXXX XXXX I received 2 texts from Capital One, one asking if I just made a {$600.00} charge at XXXX followed by a 2nd text stating the charge was declined as there was not enough credit. I was home at the time so responded 'No ' as I did not make the charge. Additionally, knowing {$600.00} would not take me over my credit limit I immediately logged into my account and there were 3 additional pending charges from the day that I did not make : {$1400.00} to XXXX, {$450.00} to XXXX, and {$210.00} to XXXX XXXX XXXX XXXX. 
Immediately called Capital One to report the charges as fraud. A credit was issued for all 3 transactions on XX/XX/XXXX. On XX/XX/XXXX the credits for {$450.00} and {$210.00} where then charged back to my account. When I called Capital One to question this, they indicated that these transactions were reportedly made with a chip, and those could not be tampered with ( not true at all! ) and as such they could not 100 % be sure it was fraud, although they are acknowledging the XXXX charge as fraud from the same day as it was done online. The fact there was also a 4th large charge that was declined the same day clearly indicates someone making purchases who was not familiar with the account. 

I am being held responsible for over {$700.00} in fraudulent charges and they are refusing to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I found I have been being charged a fee for " card security '' for over 10 years that I had never signed up for. This is on my Banana Republic card through Synchrony. 

I have multiple store cards and am familiar with card security and have turned it down on every other card I was ever offered. If I had known it was on, I would have tried to use the benefits from it in the past. 

I contacted XXXX XXXX about how this was activated and to cancel on XX/XX/XXXX. This was eventually completed later in the month even though it was only to take 3-5 business days. During this call, I was told I signed up for the program verbally when the card was open. My records show this card was opened in XXXX. 

I spoke with someone else on XX/XX/XXXX to clarification on the activation and to confirm cancellation. At this time I was told a different way that the card security was activated. 

The following day I was sent a letter that the program was purchased during a call to service on XX/XX/XXXX. It is noted that a welcome package was sent at that time. I never had this call or received any welcome package. At no time would I have ever been interested in these benefits and never would have signed up for card security. I asked for a copy of the welcome package that was sent or any other documentation and did receive. 

I had this card set up for a long time on Auto pay, and was surprised to see the balance go up every month despite a $ XXXX payment.

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 2023-07-17
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
CASE NUMBER XXXX On the answer of that claim the bank said that is waiting information requested to me. 
I sent all the requested information for all claims detailed on that letter, so I need to know what else do you need, with details, to proceed with the claims and send again te information requested. 
Claim numbers : XXXX, I dont have any information requested on my email and mail XXXX I dont have any information requested on my email and mail XXXX, it was sent on XX/XX/XXXX This 3 claims I had attached the information requested.

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 2021-02-09
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collector from XXXX XXXX XXXX XXXX XXXX calls multiple times a day for the past month stating they want collect a debt. They have left voicemails pertaining to act like an attorney. They also call from numbers with the same area code and do not speak until I do then hang up, I have instructed them not to contact and this is extremely harassing. They have violated the law and their supposed debt is now null and void due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: CA
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:
Just received results of my verification I requested from Experian. They state that the result of my dispute ( different from a verification request ) was an update to the status of the account : XXXX XXXX # XXXX. Their statement : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
They indicate that Status was update on the accompanying documents. Upon review there is no difference from the before dispute and after dispute results which is different from the claim from Experian that the item was updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Nelnet, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans were consolidated XX/XX/23 however XXXX continues to report the consolidation and the individual loans making my credit report reflect I have a debt over XXXX This is not true. My school debt is XXXX I disputed this and got no response When I called I was told they confirmed with the department of education the information wasnt updated This is not true because I have a letter from the department of education stating the consolidation is complete, also the other two credit agencies have updated my accounts, therefore XXXX is lying and they are reporting the wrong information creating issues for me when Im applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Continental Finance Company, LLC
State: GA
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 act CONTINENTAL FINANCE COMPANY Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation