BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was attempting to make a purchase for a pair of concert tickets totaling {$340.00} dollars on XX/XX/2018 via XXXX. The seller then says he can transfer the tickets from his XXXX account to mine and I can pay him with XXXX/online banking. I explained to him I never used it and when the seller mentioned it was a service through my own bank, I felt comfortable sending the money thinking my bank would help me out in case something goes wrong. I completed the transaction and sent the money out. Once that was done the seller texts me telling me that they will send the tickets ASAP but nothing was ever received. I tried calling, text messaging over and over but no reply, no answer. I immediately called my bank ( USAA ) in attempt to dispute it and report fraud/scam but they couldn't help me. They said they would look into it and get back to me in 5 business days or so. Based on my research, I looked up this seller and found out that these guys have been doing it all around my neighboring cities. Same post, same description with all the same information scamming all kinds of folks. It wasn't until I researched this seller up the next day to find out other people have already been scammed by this same seller. I an addition to that, never knew that there is no protection by USAA or XXXX on this type of transaction and I find that completely unfair. They fail to disclose that this service is only to be used among family. I really need your help to recover my money as this is FRAUD all across the board and feel like I have no support. Hope I get help in this matter and recover my 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 2021-04-09
Company: Revco Management, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Debt Collection notice for an XXXX XXXX XXXX XXXX XXXX Acct # XXXX and my address in Massachusetts. See attached documents. He does not live at this address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discovercard has taken a very long time to resolve a double charge on my account and they refuse to acknowledge the fact that I have already wrote checks to the in-home senior care company which they cashed, resulting in an overpayment made by me. The fact that they cashed three checks that I wrote to them has never been looked at, so the charge has remained on my account, even though it was never authorized by me. They are not listening to me when I call them by phone. I have already reimbursed the service provider from their " Mistake '' of charging me twice for the same horrible service, so why does the charge still exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: General Motors Financial Company, Inc.
State: MA
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 returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). GM Financial did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: M&T BANK CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold by XXXX XXXX to M & T Bank during the month of XX/XX/XXXX. A mortgage payment was processed by XXXX in the month of XXXX. M & T claims I did not make my XXXX payment so they contacted me to rectify. I agreed to process a 2nd XXXX payment to M & T while XXXX researched my XXXX payment intended to be forwarded to M & T. 
That 2nd XXXX payment was inaccurately processed due to a communication issue between myself and the M & T rep. No further communication has been received by self from M & T indicating my 2nd attempted XXXX payment was not properly processed. M & T then reported a late payment to the Credit bureus. I contacted the M & T call center and spoke with sitting supervisor. He was not helpful and stated the late payment is solely my fault and was not willing to resolve the inaccurately reported late payment. His name is XXXX and his number is XXXX XXXX XXXX. I have a letter from M & T thanking me for my 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 non-monetary relief
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made an order with my card online with a company. The purchase was terribly handled. Wrong products, wrong address, box was left in rain. I immediately demanded a refund the day upon receipt ; but the vendor never responded. I filed a dispute with my credit card at CapitalOne. It took CapitalOne two months to respond to my complaint. When they finally did, they vaguely denied it with a line item suggesting I had not requested a refund and demanded I fax proof ( there was no way to email or speak to anyone ). 

I did as instructed and emailed attached evidence that I demanded a refund via the company 's officially designated support line and within the company 's terms ( provided to CapitalOne ). In less than 4 hours of faxing, CapitalOne responded that I did not provide " proper evidence '' ( without specifying what or was not sufficient ) and told me that my claim was considered closed, my card would be billed the balance and to " work it out with the merchant ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: CO
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:
In XXXX of 2018, the account I had with XXXX XXXX XXXX XXXX was closed and paid in full. On my credit report, it shows the account is open and is now late. It is hurting my score and making it impossible for my husband and I to buy a house. I have disputed the info with Equifax TWICE now, with supporting documents from XXXX stating that my account was paid in full and closed, and they still will not fix it. I also have included documents from the dealership stating the car is no longer in my name and showing the check they used to pay the bank in full. The other reporting agencies have it closed on my reports from them, as well as my husbands ( the co-borrower ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Orion Capital Solutions LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2019 XXXX debt collector stating that she is with a debt collection company named Orion , attempting to collect a debt owed to balance credit. Threatened to contact my employer. Stated that they would move forward with their action and gain employment verification. I have repeatedly asked them to stop contacting me and told them that my debt does not lie with them, but with the original creditor.

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 2018-08-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: IN
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:
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: WELLS FARGO & COMPANY
State: NH
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 went to make a payment online on XX/XX/2018 for a future date and was unable to do so. I was unable to pick my payment date. However I can pick my payment date wheh I call and speak to someone in collections. I did go ahead and call and make a scheduled payment for XX/XX/2018. I addressed this with the customer service rep and was told that's just how it is at Wells Fargo.

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 2018-07-07
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have been contacted by mail on several occasions by AFNI in regards to collecting on money owed to XXXX XXXX. They state that my husband owes them {$510.00} to settle the account. I contacted XXXX XXXX to find out what was going on. They informed me that we only owe {$140.00} and the account information does not match what XXXX has, so I don't know where they get their amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received notification from XX/XX/XXXX that XXXX XXXX XXXX XXXX had placed a collection on my account for a previously disputed amount of {$830.00}. Not only did I clear this matter with the original debtor XXXX, but gave notification to XXXX XXXX XXXX in XX/XX/XXXX via phone call that this was a fraudulent debt. Also, the debtor received a letter of clearance from the outsourced debtor ( XXXX ) absolving me from any further liability. When I have attempted to contact XXXX XXXX XXXX XXXX, they no longer are taking any phone calls and are not able to be easily reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: MAJR Financial Corp
State: CA
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:
MAJR FINANCIAL CORP, Mr . XXXX XXXX .... The basis for my dispute was required to notify me prior to XX/XX/XXXX, or no later than 30 days after MAJR FINANCIAL CORP, Mr . XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX and XXXX. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 168. Reyes v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( using least sophisticated debtor standard to evaluate Rosenthal Act claims against creditor ) ; Thompson v. Chase Bank, XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XX/XX/XXXX ) ( refusing to dismiss Rosenthal Act claims alleging that collection calls made on XXXX XXXX, XXXX XXXX and XXXX XXXX were at inconvenient or unusual times ). INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Since this crypto was a growing in 2021, so i decided to invest some money and do trading to make some extra money. So i found this plate form for buying crypto and trading, so i deposited some cash and crypto to Binance newly opened account. But since i opened an account i have many issue, never was smooth. But most recent they disabled my trading, buying or selling, and withdrawing my money. I tried to contact them multiple time but problem never solved. In most recent email from Binance US they said my trading and withdraw is disable because one of the deposit on XX/XX/2021 didnt went through and asked me to deposit {$1000.00}, in the reply of that i email i sent them my bank statement from XXXX and marked the transaction and showed them deposit was successful and money has been taken from my account. Actually they tried to take another {$1000.00} from account which was unauthorized and i had to block that transaction from my bank. Since i sent them my bank statement i did'nt received any reply, submitted multiple ticket to resolve the issue but all in waste. I have all tickets and email records aswell deposit record from my bank.Its very stressful. I have attached my bank Statment from XXXX which shows all legit transaction as well email from Binance US and my replies. i need help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Dream Center Education Holdings
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive a call every single day at WORK. A co-worker of mine has answered a few times and my coworker was told personal information related to my account. The caller assumed they had reached my desk when in fact I was out of the office so the call was automatically transferred to someone else. When that person answered the caller assumed they had reached the right person and proceeded to provide my first and last name as well as what they were calling in regards to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Early Warning Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Early Warning System issued a report on my banking activity. It contains numerous false statements and Ive tried to address these issues with the company but it seemingly refuses to rectify them.

I can not open any checking account because of the report. This causes great inconvenience and the company informed me that the false information will stay on my record for five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Paramount GR Holdings, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Regarding my XXXX XXXX loan # XXXX On XX/X/17, the first loan payment was made to Paramount for {$1000.00}. When XXXX bought the loan from Paramount, Paramount failed to transfer the extra payment portion to XXXX which was {$250.00} of the {$1000.00} payment. 

Paramount held the extra portion so it did not go to the principal of the first payment to XXXX. Is there anything that can be done to correct the loss of principal payment that should reflect on the principal balance. It appears {$250.00} is missing from the payment from Paramount to XXXX. 

Regards, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: VA
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 have been trying since XX/XX/XXXX to get Equifax to remove inaccurate data from my credit file. They are reporting inaccurate and duplicate student loans on my credit file. Loans that have been paid in full are reported with derogatory information. Exhibit 1 - XXXX clearly show only XXXX loans fromXX/XX/XXXX to XX/XX/XXXX ( one loan per semester ) that amount to no more than {$60000.00}, yet, they are reporting more than 34 loans with derogatory statuses that amount to over {$100000.00}. Furthermore, the payment statuses, loan amounts, and historical information do not accurate report what is in the XXXX XXXX XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Under my social security number there is another person called XXXX XXXX. I have never known this person in my life.

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 2018-10-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX  in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.

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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.

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 2022-07-05
Company: OneMain Finance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. THIS MATTER REMAINS UNRESOLVED One Main financial continues to report inaccuracies on my credit report which is a direct violation of the Fair Credit Reporting act. One Main has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A, section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681XXXX XXXX XXXX XXXX XXXX XXXX ) states no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681XXXX XXXX XXXX XXXX ( XXXX ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666b A creditor may not treat a payment on an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a XXXX XXXX card with commenity bank. I made a payment on XX/XX/2020. Both online and over the phone account says I have no amount due. However they called me 3x, my wife 5x and my in-laws 10x in one day claiming I have a {$5.00} late fee. Then the customer service rep told my wife good luck paying the late fee. This is harassment. I have never in my life been harassed by a bank for {$5.00}. They also called from a blocked number. I tried to speak to a manager but they wouldnt put one on the phone. These are harassment and predatory practices they need to be stopped!

Company response to consumer: Closed with non-monetary relief