BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Veem  Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
! XX/XX/XXXX there was a ACH transfer from my XXXX bank account to XXXX XXXX XXXX, by way of Veem. On XX/XX/XXXX I contacted XXXX, put a hold on the account. 
XXXX  XXXX XXXX says I need to go the the XXXX XXXX XXXX for redress. 
XXXX XXXX XXXX said I have to go through VEEM. 

A Veem representative called me on XX/XX/XXXX and said they would refund the amount taken- {$42000.00}. its been XXXX weeks and nothing from them. 
I tried calling, leaving messages and sending email to their Fraud help email on their website. No person can be reached, even at the extension I was given. 
No return messages or email. 

The VEEM rep also said on XX/XX/XXXX that a fake account was opened in my name using my email and EIN number only. That enabled scammers to take money from XXXX  XXXX XXXX account. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: IA
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 reached out to Experian about addresses thats showing up on my credit report thats not accurate. Its continuously being reported after several letters addressing the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have called me numerous times and only leave a prerecorded message to call them back. When I called them back they claimed it was a debt collection over a Check N Go loan from XX/XX/2015. I wrote check n gos fraud department to verify my debt and all they said was its verified, they did not provide details or specifics and didnt prove the debt is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Nelson Cruz & Associates LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My family and I keep getting harassed by the same agency. I dont owe them money. Never have. I need them to leave me alone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage company is reporting my payment as late and charging a late fee and reporting to the credit bureaus late payments. My payment is automatically withdrawn from my checking account every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Main Street Personal Finance
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The XXXX XXXX XXXX called my job multiple times speaking to multiple employees including the owner of the company stating they were going to serve me with legal documents for a garnishment. I called back asked them to never call my job again but the lady named XXXX XXXX said she did not have to. That they were coming for me. I told her any documents they need to serve me with can be served to my home she told me to she was not serving to my home. She was only going to serve to my job. She stated she did not have to stop calling me and I advised her per the FDCPA she did and she said no she just wanted to make sure I was at work and hung up on me. On a voice mail she left for me she stated that I could be arrested at my job. She stated she spoke to my supervisor which is untrue because I report directly to the owner of the company and he is out of town. This is very unprofessional and embarrassing to say the least. She would n't even tell me what the paperwork is related to. I would have resolved on the spot but she hung up. I have a feeling it is related to an XXXX XXXX payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2017-05-03
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:
There are many inquiries appear on my report without my permission :  XXXX  -  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2022-02-09
Company: Professional Finance Company, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted by Professional Finance Company Inc I was at the hospital on XXXX XX/XX/2021. I have a letter from XXXX XXXX XXXX wit the approval of finance assistance. 

I submit this documents to them few months ago and I keep receiving mails from them to get the payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We've attempted to loan modification. We've been denied. Per the lender there's a sales date of XX/XX/XXXX18.

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 2020-09-20
Company: CITIBANK, N.A.
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:
Citi company is reporting credits cards that they did not verify. 
I have been trying to work with them started XXXX, XXXX. 
Account numbers ending XXXX, XXXX, XXXX. 
Citi have violated the FCRA $ FDCPA ; they did not validate the debt and I am asking them to delete the entries it is hurting my credit history very bad. 

The only response I had from citi with statements and statements by law does not validate the debt. 

Citi did not validate neither one of the account as requested bye me. 
I don't owe this debt and should be removed immediately. 



I have more documentation then I COULD HAVE UPLOADED.

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 2020-10-21
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.

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 2022-12-21
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Radius Global Solutions is trying to collect on an alleged debt from my XXXX XXXX XXXX son for medical tests at XXXX XXXX that were covered by our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX accepts assignment and generally speaking all lab tests are paid for by XXXX XXXX XXXX XXXX if they are properly billed. They were already paid any proper copay at the time the test were done so this is a fraudulent billing and an attempt to harass a 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 2018-02-08
Company: Experian Information Solutions Inc.
State: IL
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:
Have written into all the major credit bureaus over 20 times in last 2 years ; have placed numerous of phone calls being on phone for over 2 hours and issue still unresolved advised them all that I am an victim of identity theft did what the asked filed police report, affvadaits etc some of the accounts have been removed but not the collection account that were attached to the crime. would like all 3 major bureaus to remove XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX from my credit reporting file

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 2021-09-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX experienced issues related to COVID Pandemic with high medical expenses and reactions to vaccinations and subsequent medical as a result of XXXX. XXXX allows customers to overdraft protection which was being brought back up to zero but apparently it took longer than bank allows. XXXX XXXX was not advised on any time limit. XXXXlus SunTrust charged XXXX XXXX additional fees as a result. SunTrust has apparently closed the account and has contracted a credit debt collector. This is outrageous as Suntrust/TRUIST received FEDERAL CARES FUNDING. I request enforcement action against SUNTRUST Bank. Account was closed over XXXX $ and SUNTRUST refused payments to bring the matter to zero. Further SunTrust did not notify customer in advance of action taken. SUNTRUST also reported the activity to outside reporting " ALERT '' ( banking databases ). The US Government has recognized the COVID as a national pandemic/national emergency and ordered citizens to take vaccinations that have ad citizens ill.

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 2020-09-20
Company: STERLING JEWELERS, INC.
State: NC
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:
On XX/XX/2020 I sent a request to Kay Jewelers/Sterling Jewelers disputing the credit report information requesting that they send me information regarding my debt per the Code of Federal Regulations 16 CFR Part 660 " Responsibility of Furnishers. '' After not hearing from them after their allotted 30 days, I sent them another letter informing them of their violation for not responding and I requesting that they remove the negative credit item in question. However, rather than them responding appropriately to my requesting by supplying me with the requested items outlined below : 1. The original account name and number? 
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money and copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 
4. What was the original date of my first delinquency for this account?

5. Copy of the originally signed contract Insead they sent me a FRAUDULENT back-dated as a stall tactic. I have attached a copy of their letter that was back-dated to XX/XX/2020 but the envelope was postmarked XX/XX/2020 that I received today XX/XX/2020 that is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) located in XXXX, NY reported me to National Credit Systems, a collections agency on XX/XX/XXXX for {$3200.00}. Our dispute originated on XX/XX/XXXX when I moved out from my apartment 10 months early from a year lease. 

At issue is my recruitment of replacement tenants who qualified and were approved by XXXX XXXX XXXX to move in and signed a new year lease with XXXX XXXX XXXX, that XXXX XXXX XXXX refuses to acknowledge. 

In discussions I had with XXXX XXXX XXXX office personnel, they indicated that if I found qualified replacement tenants, then they would let me out of my lease agreement. Otherwise, I would owe them {$2500.00} for a break lease fee. I advertised and located an interested party and directed them to XXXX XXXX XXXX. The office  showed the couple my 1-bedroom apartment. Then they also showed them a more expensive 2-bedroom as well, which the couple chose. 

XXXX XXXX XXXX is claiming that since the couple did not choose my apartment, I am not entitled to relief from the break lease fee. They instead offered a {$250.00} " referral credit ''. But, there was no mention of this credit type before I directed the interested couple their way. 

XXXX XXXX XXXX benefitted from my recruitment of new tenants to their business. They also benefitted from the 2 months of rent that I paid them. In a move obviously motivated by greed, they chose to ignore my efforts that helped them. In addition, they never returned my {$300.00} deposit, even though I left the apartment in better condition than it was in when I moved in. 

I also feel their alternate offer of a much reduced {$250.00} referral credit is " bait and switch '' tactics. 

Because I would not settle for their lesser offer, they turned me over to collections to deliberately hurt my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Was not notified of investigation status or results

Complaint:
I applied to have my information updated over 60 days ago. No reply nor results : please have all unverifiable and un authorized information removed off my credit. I will have to file for litigation

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 2020-07-27
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I try to send money through XXXX and the transactions are not sent. PNC seems to be disconnected from my XXXX account and will not complete payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Porsche Financial Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
they keep denying me for XXXX  but told the credit manager at bentley that bc i filed for bankruptcy 14 years ago even though i withdrew my filing and was dismissed in XXXX, but in the letters they XXXX  and say something else i just bought a XXXX bentley not sure why this is my 4th one and they keep denying me i belive there really denying me bc im XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Due to Coronavirus and my health I had to move unexpectedly and did not get my XXXX statement. I did not realize I had used the card ( same color as my debit card ) to purchase a gallon of milk for {$3.00} until I got my XXXX statement. I immediately paid the bill in full on XX/XX/2020. 
I have NEVER paid late before or since. They have reported me 30 days late for this {$3.00} debt which was simply a mistake coupled with rushed change of address. Ive begged their forgiveness and asked for the removal of negative mark from all three credit bureaus but they refuse. I have apologized profusely for using their card accidentally for a simple gallon of milk. Its awfully harsh punishment to be reported negative for 7 years over a gallon of milk and having my score drop dramatically. Additionally, this is the ONLY negative mark on all my cc history. 
Can you please help me? I have begged Capital One and they simply dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not liable for the debt with midland credit management. I do not have a contract with midland credit management. They did not provide me with a original contract concerning this debt. They also have not contacted me via phone call or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been running consistently 1 month behind struggling to pay each month - Navient calls my phone 3 to 4 times a day leaving just a hangup - but leaves one message a day - I went over the help they can offer but they wont lower payment or interest or extend term - I have written them to cease and desist calling and just correspond by email

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: AMERICAN EXPRESS COMPANY
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 had signed up for premium car rental insurance through American Express. In early XX/XX/XXXX I called to have this service cancelled. Since then they have continued to charge me and claim to have lost my cancelation and refuse to refund me the old charges. This is abysmal that they put the burden of proof on me to maintain a cancellation record ( they only send physical mail, refused to send me an email confirmation or a confirmation number ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX I have two parts to my account : promotional charges and easy pay. I am in the process of paying off all promotional charges first, b/c easy pay ( as agreed by the contract ) is 12.99 % instead of 23.99 % if I miss the payment on the promotional charges ( no pay for 6 months if full amount is paid off prior to expiration ) I will be charged interest incurred over 6 months. On XX/XX/XXXX ( Agent ID XXXX at XXXX XXXX EST ) I called Paypal Credit ( as PayPal credit requires ) and made a payment of {$320.00} toward my promotional charges and I have specified what promotional charges I want to cover. Agent XXXX assured me that my payments will be allocated as requested : {$40.00} towards easy pay ( as per contract ) and the remaining out of {$320.00} will go towards promotional charges. The next day after the payment was cleared by PayPal Credit, all funds ( {$320.00} ) went to easy pay instead of promotional charges. This happens all the time, every single time I am trying to close promotional charges. On XX/XX/XXXX ( Agent XXXX ) XXXX XXXX EST I once again called PP Credit and asked why my payments were not allocated as I requested. Agent XXXX was unable to re-allocate the fund b/c " that is how the system works ''. I want to pay all promotional charges on time to avoid paying interest but unable to do it without constantly calling PP Credit or submitting complaints over and over again. PP Credit will need to change its system so the consumers were able to make paying without being tricked by the PP Credit " system ''. If PP Credit does not like what they advertise ( 6 months no  interest if paid prior expiration ) they need to stop making false advertising b/c it is impossible to pay off promotional charges without involving a third party into the process. PP Credit employs the deceptive practice.

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