BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I received the below email from my vendor, XXXX XXXX. It came from the correct email address for XXXX XXXX, the owner of XXXX, and requested payment for an invoice that I owed. XXXX had previously sent me the invoice from this email address with this subject line, however the email below did not come from him. Apparently someone accessed his email and sent me the below email with attached ACH payment instructions. After corresponding with this person I believed to be XXXX, I subsequently paid the invoice for {$30000.00} using these instructions. The instruction were for an account with Bank of America. On XX/XX/2021, I attempted to pay a second invoice using the same instructions. When it did not go through, I contacted XXXX. He told me the emails did not come from him and that he had other clients who received similar fraudulent emails and had also sent money. I attempted to dispute the transaction through my bank ( XXXX ), but they refused to investigate. I also contacted Bank of America who would not pursue investigating either, but did tell me the account was a BOA account and that it was not in the name of XXXX XXXX. I questioned how they could receive funds payable to XXXX if the account was not in the name of XXXX and they refused to comment. I filed a police report through the XXXX XXXX XXXX XXXX XXXX Police Department and told XXXX and the other parties to do so as well. Bank of America has refused to take any action on their claims either. It is beyond my comprehension why Bank of America will not investigate whoever opened this fraudulent account. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/2021 XXXX PM To : XXXX XXXX XXXX Subject : XXXX : XXXX XXXX XXXX XXXX  - First Payment invoice Importance : High XXXX, XXXX up regarding the attached invoice. As you can imagine, the collection of all outstanding payments has a unique level of urgency. We made upgrades to our billing system and with this we will be required to update our banking information with all our associates, All invoices should be processed via ACH payment only as we would not perform any check or Credit card transactions. 



Do you have the ability to process the payment via ACH transfer so i can provide you with our effective banking information? 


XXXX XXXX | XXXX XXXX m. XXXX o. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2021-07-22
Company: Lending Club Corp
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was denied a federal loan because a collection agency, XXXX XXXX XXXX, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from XXXX financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Credit Management , Inc. had agreed to submit paid collections for deletion for accounts XXXX and XXXX. XXXX  has already deleted collections from credit report. XXXX  and XXXX  have not. These two credit bureaus have been reported to CFPB as well. They keep stating that the accounts are verified and accurate yet I received the letter in the mail from Professional Credit Management , Inc. stating that any accounts under {$50.00} have been submitted for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for Capital One Account number XXXX. This is a violation of XXXX XXXX XXXX XXXX ( XXXX ) ( B ) and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, Capital One Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, Capital One Account # XXXX, and Department of EdXXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had two Discover credit cards XXXX and XXXX. About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the one card ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.
Next the started transferring money from one card to the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at XXXX XXXX XXXX for approximately 4 months from XX/XX/XXXX - XX/XX/XXXX. I paid a deposit of {$300.00} ( {$150.00} non-refundable, {$150.00} refundable ). When I moved out of the apartments there was a credit on my account from an earlier over payment. I was informed that the cost of apartment cleanup and final utilities would be deducted from the credit and the deposit money and I would be refunded the remaining balance. 
In XX/XX/XXXX I received a call from the apartment representative stating that I owed a balance of approximately {$300.00}. I asked if the deposit and the credit had been applied yet. The representative became confused, stated that something was wrong with the account and that he would clarify and get back to me. 
In XX/XX/XXXX I receive a call from the same representative and the exact same conversation occurred with him stating he would get back with me later. 
I never recieved a refund or hear back from them about any more bills. In XXXX of XXXX, Sentry Credit Inc. began contacting me stating that I owe the {$300.00}. I have disputed the charges asking for evidence that the debt is mine and a full account of all payments made to the apartment and all charges. Sentry Credit Inc. mailed me a copy of my lease agreement ( which clearly shows the {$300.00} deposit ) and an account summary from XXXX to XXXX. The account summary shows a balance of {$300.00} but does not show the deposit was applied. 
I have contacted XXXX XXXX, but they state that any documentation would be with their parent company XXXX. XXXX XXXX that they do not keep any documentation wants a balance is transferred to a collections company. I spoke with Sentry Credit on XX/XX/XXXX and explained all of the above. The representative agreed that a {$300.00} deposit was stated in the lease, but when I asked that the deposit be applied to the outstanding debt, she became aggressive and belligerent. She stated clearly that there is no other recourse, there would be no further investigation, the credit company does not need to obtain a full record of all payments, credits, and charges, and that if I did not pay my credit will be hit/dinged. I do not know what to do at this point. It will be difficult for me to pay {$300.00} and it seems unfair that my deposit money not be applied to the balance as it was stated would be done in my lease contract. The collector was very intimidating in stating there is nothing to do but pay the balance ( no supervisor to speak with, etc. ) and then she abruptly ended the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/21, I tried to use the card to make a purchase less than {$10.00}, it was declined. I then checked the balance, there was a charge of {$47000.00} pending on the account. I immediately called the bank to report my card information was stolen, that was a fraud. The representative on the phone told me that I have to wait until its posted to dispute it. The next morning I checked the balance again, the charge changed to {$14000.00}, that was what was left on the card, so it wiped out the account. I called the bank again. I was told to file a police report, a dispute form and get them notarized. I did everything they asked for. I also during this time had made multiple phone calls to the store that the charge was made and informed them my card was stolen, please dont make the shipments if its an online sale. I also emailed their company. The store then called their police, XXXX, the officer contacted me for more information through phone calls and emails. He also said that the store informed him that someone was about to come in and pick up the watches that was bought with my name, he was waiting outside the store. He also said he would be happy to help if the bank calls. I then called the bank and provided them with all this information hoping it would help with the investigation. I waited for about 2 months, I today got an email saying their investigation found no error in the transaction and the case is now resolved and closed. I called the bank immediately and was on the phone with a few people for 3 hours, cuz they would put me on hold transferring to someone but the call just drops and I had to start all over again. The whole customer service experience is a nightmare. Eventually I was told that they would escalate the case but not very hopeful. I asked what exactly is the investigation process, cuz I have a police report, I called numerous times when it was still being processed. I called the store if they had investigated any of these resources, its more than obvious that it was a fraud. The word was mentioned throughout the phone calls. I cant contemplate they would come to this conclusion if any effort was invested in the investigation, its clearly a fraud. However, they basically just said that they couldnt see it in their investigation so it was determined as no error. Ive lost faith in their investigation. Please help me get justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This auto loan contract is effective XX/XX/XXXX with minimum payments of $ XXXX/monthly. According to 4 different representatives at Ally, including XXXX, whom I spoke with XX/XX/XXXX at XXXX XXXX, any monies paid over the minimum automatically goes to principal. I made a {$50.00} payment XX/XX/XXXX & called Ally to have monies applied to principal ( I was already paid ahead through XX/XX/XXXX ), as I've been told by 2 representatives a phone call should be placed by the customer to ensure this. I checked the website XX/XX/XXXX, the {$50.00} payment was applied to principal & interest. I called XX/XX/XXXX & XXXX stated she'd escalate issue & have money reapplied, but as a result, my finance charges would double! She said number of days between payments determines interest, which I understand. Keep in mind, I paid {$50.00} on XX/XX/XXXX, and {$270.00} on XX/XX/XXXX. Payments were made back to back. How does Ally justify not applying all monies to principal, then stating I'd pay " a lot '' more in interest because I requested my extra payment to be reapplied correctly? Ally made an error in misapplying payment. 
On XX/XX/XXXX, I spoke with supervisor XXXX at XXXX XXXX, who stated any monies paid over the minimum would automatically go to principal. Ally isn't allowing me to pay down the principal balance without assessing me interest, even though I'm paid ahead until XX/XX/XXXX. I understand interest accrues daily, but if I'm paid up to date, there's no reason I should be charged double interest because I choose to pay down principal. XXXX stated that even if Ally reallocates {$50.00}, it won't change my principal balance because double interest will be tacked on to the next payment that I've already paid! Ally is making it almost impossible for the customer to pay down the loan sooner, and will not own up to it's mistake of misapplying a 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 explanation
Consumer complaint received 2020-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today Wells Fargo closed my bank account and issued a cashiers check without my consent. Upon inquiring about the transactions, Wells Fargo call center did not care, provide information, or try to help me recover my funds.

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 2020-01-02
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: Information belongs to someone else

Complaint:
The information listed on my report is unknown. Its stopping me from having a place to live. 
XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX   XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: Self Financial Inc.
State: PA
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 wanted to buy and item that charged XXXX XXXX XXXX XXXX. Trying to close the app every screen had additional fees totaling {$61.00}. that I wasnt interested in. There was no phone number listed to cancel. Immediately I called SELF to cancel the transaction, within 1 minute.

They said they would block/cancel the card. Two weeks later the charges are still on my account. When I call the credit card co I am transferred and left on hold up to 30 minutes.

Emails are met with requirements for me to fulfill when all they had to do was cancel the transaction 1 minute later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: ENCORE CAPITAL GROUP INC.
State: MS
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 reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 states l have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have guaranteed 2 loans for my son XXXX XXXX XXXX in XXXX when he was attending XXXX. 
He stopped attending due to family issues. 
I was incarcerated. 
We became estranged. 
During my incarceration I applied and received forbearance up to XX/XX/XXXX with FedLoan. 
I was released in XX/XX/XXXX to a Halfway House in which I stayed for 9 months up to XXXX of XXXX. 
From XXXX until XXXX Fed Loan was sending mail asking for payment to my home address. 
I did not receive any of that mail or any other mail that was being mailed to my home address because my son XXXX was living there and he would not give me my mail or any of my paperwork or belongings. 
In XXXX of XXXX I first checked my credit score and found that it was in the 300 range. I could not understand why it was so low. 
I then found the many late payments on the 2 FedLoans. 
I contacted FedLoan and made a payment agreement. 
After making the payments for 3 months I asked them to remove the late payments. 
They refused. 
I worked with XXXX XXXX credit repair to help me with the ; ate payment issue. 
They were unable to do so. 
I have been paying the loan, applied for secured credit cards in order to increase my credit score.

But that is very hard with having 2 180 days late payments for school loans.

I respectfully ask for your help to remove the 2 180 day late payments please. 
I need your help to raise my credit score and rebuild my life. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This morning XX/XX/22 I got an email from XXXX or XXXX XXXX XXXX XXXX ) saying I sent {$480.00} to XXXX for a cannon printer XXXX transaction id : XXXX delivery date XX/XX/22 I dont have a PayPal account. When I called the number XXXX XXXX they hung up on me after I asked why they needed my name. This doesnt seem like it is really PayPal . They sound like they're from a foreign country and have accents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CNG FINANCIAL CORPORATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Some combination of the entities known as XXXX, Check n Go,  and XXXX XXXX XXXX  issued a loan in my name and XXXX began sending bills to my email. I had not applied for the loan, and received no notification of it until the bills began arriving. When I tried to figure out what had happened, I could not reach XXXX at the telephone number provided, only " Check n Go. 'XXXX After hours on the phone with multiple departments, no one at Check n Go ( which has an unclear relation with XXXX and XXXX XXXX XXXX  ) could tell me the loan number or the amount. I was eventually told that it was a payday loan made in XXXX and neither the date of birth nor the social security number matched mine. Still, since I could only take their word for it and had received more than one bill in my name and to my email, I submitted a fraud report. The following week I received a call back from a man who identified himself as a supervisor with XXXX but did not seem to have the information in the fraud report. After I explained, he said he would remove my email but refused to provide any confirmation beyond his word, or any other proof that this error would be rectified, and then hung up on me. I subsequently received an email saying my email had been removed from their system. I am submitting this description because I want to inform others who may have the same time-consuming problem due to lack of basic verification by these dubious companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a hospital bill on my report that should have been resolved with my health insurance. Experian still has it unresolved and the company that i owe said they charged it to my insurance. 
Also i have a credit card account closed. Experian still has it as open in good standing.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NJ
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:
15 U.S.C 1681 section 602 A. - States I have the right to privacy.

Section 604 A Section 2-states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) and 1681s 2 ( A ) ( 1 )

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