BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I will try to describe the issue as best as I can. 

This issue has two issues within it. I had a Binance.com account since about XXXX I believe. Within the Binance account I owned several shares of the coin 'XXXX  ' ( the value was between $ XXXX {$1400.00} at the time ). A couple of month 's ago, Binance.com gave a warning that US citizens were soon going to not be able to access Binance.com and were warned to transfer our crypto currencies out of our account. After receiving the warning, I created a Binance.com/us account and attempted to withdrawal and transfer my 'XXXX ' shares to the Binance.com/us account. I attempted many times and failed. Binance.com/us did not have a URL to transfer to the account. Therefore I was unable to transfer my XXXX money from Binance.com to Binance.com/us. I also attempted to withdrawal/ sell my shares to deposit into my bank account, however, because I was a US citizen I was restricted from making that kind of transaction. At the time I was not aware that there might have been another way to transfer the XXXX to different 'wallet '. After reading XXXX, I learned that I was not the only person that had the same issue. I was advised to get a crypto wallet of some sort and transfer the money that way. By then, it was too late. 

I attempted several times to Binance.com 's contact customer service via online chat on XX/XX/XXXX because that seemed to be the only way, and I did not receive any help with the issue. I did not have any questions properly answered. The only thing I recall them saying to me was that US citizens are not able to access their Binance.com account anymore. When I put in my last support ticket, they also never got back with me on this issue. 

I was going to attach the e-mail chat 's to this, however, when I went to the e-mail 's of the chat, I click on the chat and it is no longer there. I'm not sure what other information I should submit to you all. I can provide my credentials at some point. I'm not really sure what to do and was directed to contact consumer finance for help.

What I need is my money from my Binance.com account where I own XXXX returned to me or to a safe place that I have access to at any time. Thank you so much in advance for any help with this issue. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
WILLIAMS AND FUDGE INC.

Collections negative mark with zero attempts to collect before reporting : Today, XX/XX/2021 I received notification from XXXX XXXX that a derogatory mark has been added to my file. When I opened the remark it was a collection for {$290.00}. The collection stated it was two months old. Yet, I had no notification of the debt not by phone or letter. Absolutely unacceptable. 

My credit has been between XXXX and XXXX until today when it dropped -29 points due to this collection Absolutely deceptive and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USB Customer XXXX XXXX XXXX ( USB Acct # ending XXXX ), noticed an unauthorized withdrawal made on XX/XX/XXXX at the US Bank XXXX XXXX XXXX ATM XXXX at XXXX in the amount of {$400.00}. Given the recent establishment of this account, Her age of almost 80 years, her aged health, her previous withdraw history/pattern on this account, and the excessive amount withdrawn at one-time, we took immediate action to file a claim with USB branch for fraud. 
On XX/XX/XXXX, after consulting with USB Rep, XXXX XXXX XXXX NML # XXXX, it was determined that the XXXX XXXX XXXX file a " Report of Alleged Fraudulent Activity '' and submit a " Declaration of Unauthorized ATM/Debit Card Statement '' submitted under Fraud Claim No. XXXX and to also have a new debit card and PIN issued. 
However, on XX/XX/XXXX to our dismay/surprise, we were informed that her claim was denied due to conflicting documentation to support the unauthorized transaction. 
On XX/XX/XXXX as per Ref ID # XXXX, WE exercised our right to request the documentation USB relied upon to make their determination and requested further video/pictures of XXXX XXXX XXXX withdrawing the unusual amount of {$400.00}. 
To date, we have not been provided with any substantiated documentation, videos, pictures of her making the withdrawal, or follow-up to our reference inquiry. The {$400.00} previously redeposited after the claim was filed has been subsequently expunged from her account and the funds have not been redeposited into her account. 
We have made several verbal request via cust. service at XXXX over the last 60 days for further follow-up but to no avail. For an Senior Citizen on a fixed  income, this is a huge financial burden to bare. 
We are requesting that the CFPB engage USB on our behalf and request tangible documentation and/or video that substantiates their claim not to redeposit the unauthorized funds of {$400.00} into the account of XXXX XXXX XXXX. Thank-you. 

XXXX XXXX, Son of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: DISCOVER BANK
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There are 2 purchases I made with my Discover card that I have tried  at XXXX to dispute with the company and I will not be paying off this amount on my card. 

The Ist charge was made with XXXX. XX/XX/2019, I made a charge with XXXX for a stay in XXXX XXXX for an event I was having. I had never been to XXXX and therefore relied on XXXX 's expertise by providing the address of location of the event and trusting they were providing the location of the event closest to the event center. After the payment and within 5 days of submitting our location to the event center, we were notified that the location was not with 3 miles that  XXXX had claimed but it was 40 minutes and since most events were going to be leaving at XXXX in the morning, it would be impossible for us to attend those events as this was not even in the city so no taxes exist but in the countryside. We contacted XXXX and they refused to issue a refund saying ee only had 24 hours. Never minding they were the ones that deceived us letting us know the location was a few minutes from our location and not the 40 minutes. It wasn't even in the  same village!. We contacted XXXX but they refused to reverse the charg

e. The cost of this unused reservation was {$940.00}. The other charge was for XXXX XXXX. This company was a company in disarry. All charges were made timely and promptly. When they failed to deliver a dumpster   costing us in over {$800.00} in labor costs, which we then required them to pay. They refused. instead they terminated the dumpster they were supposed to bring in then submitted a fake overweight charge of over {$420.00}, which was more than the cost to even hire one dumpster to begin with. We then  filed a dispute with XXXX. 

Both disputes failed even when common sense should have prevailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a customer of Chase Bank for over a decade. They have my mortgage and I have a checking account with them. I live in XXXX County in California. The only two branches of Chase in XXXX County are in XXXX ( the County seat ) and XXXX ; both of these branches have been closed for at least 10 day. To make matters worse, the ATMs at these branches will not accept any deposits or disperse cash. This has created a hardship on many residents of this area. There was no advanced notice of this closure. Many people have gone to other banks and have been charged fees to use that bank. I drove to XXXX XXXX, 70 miles each way. 
I have spoken to representatives from Chase on three different times and I have contacted them via web and e-mail twice. 
Up until this happened, I was happy with Chase and I do not take any pleasure in reporting this to the Federal Government, but something needs to be done to correct this problem. 
I have a news paper article about this issue and pictures of the closed branch in XXXX taken midday on Monday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a single father in the military. While XXXX from XXXX to XXXX, I left my children in the care of my sister. I continued making payments on the card trying to keep my balance XXXX  throughout the XXXX. I returned in late XX/XX/XXXX. I was activated again in XXXX. Again, I left my sister in charge of taking care of the payment. Upon my return, I discovered the payments were 60 days past due. I had pleaded and beg the company to reconsidered the negative lateness of the account to the credit reporting agency. I told them I could restart the payment and took care of the charges that were late. I explained that I was on XXXX XXXX orders and the person I left in charge to make sure the bills were paid did not perform as agreed upon. I was told it did not matter if I were on XXXX XXXX orders or not. I paid the late fees and brought the account up to date. The account has not been late since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
THESE CRDIT INQUIRES A RE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORTI MMEDIATELY.

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 2021-07-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Investigation took more than 30 days

Complaint:
The date of my first letter complaint wasXX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

OnXX/XX/XXXXI filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.

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 2018-12-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # 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 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # 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 2021-07-19
Company: MoneyLion Inc.
State: TX
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:
On XX/XX/XXXX my account was charged by a infamous fraud company called XXXX. These charges were unauthorized and unknown. I had only used my card one time that day at a gas station and had to transfer money from my saving to my checking just to do that since my checking account has been @ {$0.00}. Later in the day around XXXX XXXX when I went to the store to purchase an item, I see the unknown unauthorized charges which overdrafter my {$0.00} balance and made it go negative. There were three charges at first, two for {$44.00} and then one for {$940.00}. I reported my card stolen and my bank was closed so I had to wait till the next morning to visit my bank. The next morning I did and when I got my new card and checked to see if my bank had finished the dispute process, I saw another transaction for " XXXX XXXX XXXX '' for {$54.00}. The money was later taken from my saving and my bank has yet to finish the dispute process. There are so many complaints on this MoneyLion company, they need to be shut down or investigated. I have not tried to resolve this with them since reading the reviews, I have seen so many horror stories about this same issue which can only be resolved via email with personal info which I do not want to provide to this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 learned today that I was unexpectedly charged an annual fee for this credit card. I found this out when I received an alert that a capital one credit card I have which was dormant meaning it hadn't been used for six months was just made active. The credit alert said that this could be because my card was just used fraudulently. I therefore called capital one and found out that in fact I was just charged an annual fee which was effective as of today. So I told capital one that I didn't want to pay this fee and that I have other credit cards with much better terms and that I really didn't need the card and could they please waive the fee. I would just cancel the card but I've had it for 10 years and would therefore rather keep it. They said they would change this account to a new format which does not have any fee but that I was still responsible for this year 's fee ( which is charged in advance and was just assessed ) even though my card will be changed over to the new format basically immediately. So I said that it doesn't make sense for me to pay this fee in full and that I need a pro-rated refund. It's like insurance -- if you change your the terms of your policy, they are forced to prorate a refund for whatever portion of the policy has not occurred yet. 
Since this fee is assessed at the beginning of the year they can't charge me for terms for the rest of the year when I only had this card for one day under the old terms. I explained this to them but they don't care. They said I still have to pay the fee no matter what.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have debts from XXXX to XXXX with Comenity Bank, XXXXXXXX XXXX, and XXXX XXXX, that I know nothing of. I would like to get these off my credit file, because they are ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have already paid back over XXXX k on a XXXX loan and they keep harassing me they call my job and now they sent a man to my home at XXXX XXXX  at night, I tried to explain this and they won't leave me alone, now they are suing me in small claims court for a loan I paid more than 3 times what I borrowed? 

Please get them to stop harassing me and cancel this bogus, suit, to stop the harassment and close this account I have already paid off.

Company response to consumer: Closed with explanation