BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau Experian on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and XXXX XXXX XXXX and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. 

Accounts : XXXX XXXX  XXXX  {$60000.00} XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  {$540.00} Kind Regards 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 2022-06-04
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XXXX  2021 my federal income tax return was placed in two Netspend account three checks in total in the amount of {$18000.00} of the checks were sent back to IRS the XXXX They have yet to return I have contacted him numerous times since XX/XX/2021 and to get no answers

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 2016-01-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR
Product: Other financial service
Sub-product: Money order
Issue: Unexpected/Other fees

Complaint:
A MoneyGram Money Oder was received as a XXXX gift in XXXX. I recently found it while sorting through old XXXX cards and attempted to cash it XXXX XXXX. Due to the {$1.00} monthly " service fee, '' the money order value no longer exists and MoneyGram refuses to honor its own money order. This caused me to incur a Returned Check fee from my credit union which has since been refunded. A fee was paid when the money order was purchased. MoneyGram essentially " stole '' my XXXX gift! 

What monthly " service fee '' does the company incur that justifies {$1.00} per month for a {$50.00} money order? This is tantamount to theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
Today I made XXXX purchases on credit card The published daily rate is XXXX XXXXXXXX My purchase for XXXX XXXX was charges at XXXX XXXX At XXXX XXXX  per dollar my purchase should be {$28.00} Creidt due me {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi Gold checking account in XXXX of XXXX under a promotional offer to receive XXXX XXXX Points upon meeting the criteria in the terms and conditions, which stated that the customer must complete XXXX consecutive bill pays in XXXX consecutive months. A Citi representative confirmed that I both signed up under the promotional offer and met the requirements to receive the points. I called Citi twice about this issue, upon not receiving the points within the stated time frame ( between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). They said I was not eligible for the offer. I would not have signed up for this account, or paid the monthly fees ( which they finally agreed to credit back to me, after 40 minutes on the phone ) if I did not think I would be receiving something in return, based on opportunity cost ( regarding both time and money ). I believe this is an unfair practice by Citi. Please see the attached document for the printout of the confirmation of the items listed above. On XXXX/XXXX/XXXX, Citi provided me with documentation of an investigation, concluding that I was not eligible for the offer. The document was password protected ; therefore, it is not attached on this email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C. mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C., allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) MRS BPO, L.L.C. can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, MRS BPO, L.L.C. has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Media Collections, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to work at the XXXX and had money for a subscription taken out of my paycheck. When I stopped working there, the paper stopped coming because there was no longer a paycheck to draw from. I never received a bill from them as I was not getting the paper. 
I received a notice that they sent a relatively small sum to a collection agency, Joseph Mann and Creed. I emailed the human resources director and was told the billing department was handling it but she refused to give me a contact person. 
I finally got someone on the phone who told me the account was closed, the balance was XXXX but that dealing with the collection agency was " my problem. '' Even though the letter says " The XXXX has requested ... '' This is not my debt. They are refusing to fix it. I have perfect credit and can not get help.

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 2016-06-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
i was a victim of mortgage fraud my home went into foreclosure but has since been reinstated also there is a account that appears on my credit report stating i owe XXXX on my XXXX chevy mailbu that vehicle was wrote off 4 years ago and i sent experian that complaint paper showing XXXX never responded to the Ohio Attorney General also i have disputed these account more than 4x also im very frustarted that experians credit report is being used in most of my credit denials or my higher interest rated also police reports staing possible identy theft and fraud where also sent to company as part of the dispute process now i am currently trying to refinance and get a home equity line of credit i had been going back and forth to court for 2 years for case now to be closed and i still cant move forward when i have the equity in my home now my credit score it the hold up due the the incorrect payment history amount also the XXXX account stating i owe XXXX should be removed due to XXXX wrongfully writing that vehicle off then tell me i do n't exist

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 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I received a notification from my XXXX Credit Report that I have a new auto loan through CAPITAL ONE AUTO FINAN. On XX/XX/2022 I sent CAPITAL ONE AUTO FINAN a debt validation letter in which in that letter I gave CAPITAL ONE AUTO FINAN 30 days to reply or validate the debt. In which they never did, it's XX/XX/2022 and they still haven't replied. On XX/XX/2022 I received another notification on XXXX XXXX stating that a change has been found with CAPITAL ONE AUTO FINAN account in which it stated that it was a late payment. Keep in mind that I received another notification from XXXX XXXX on XX/XX/2022 in which it states that I have paid off 15 % of my auto loan. Now in XXXX, XXXX, and XXXX it wasn't reporting anything then all of a sudden on XX/XX/2022 CAPITAL ONE AUTO FINAN started reporting falsely. In the Fair Debt Collection Practices 15 U.S.C. 1692 ( g ) ( b ) Disputed Debts says if the consumer notifies the debt collector in writing within the 30 day period described in this subsection ( a ) debt or portion of therefore, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or, any disputed portion therefore until the debt collector obtains verification of the debt or a copy of a judgement, or the name of the original creditor and address. See XXXX XXXX XXXX XXXX XXXX. Now I thought that this was what was going on in XXXX, XXXX, XXXX. Now all of a sudden CAPITAL ONE AUTO FINAN on XX/XX/XXXX, started reporting on my Credit Report without them validating the debt. It's a violation for a Financial Institution to falsely report on my Credit Report knowing that it contains a billing error. This is also violation of XXXX5 U.S.C. 6821 ( a ) # 2. How is it that these Corporations can do this and knowing know that they are reporting falsely? In my XXXX Credit Report in my account details it states in the remarks Dispute resolved; reported it by grantor. Now I don't know why CAPITAL ONE AUTO FINAN would falsely report this however this is defamation to my character and it's a violation of my rights as a Natural living human being and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Dear Sir or Madam, I 'd like to file a complaint against Citi Cards. 

History : On XXXX XXXX, XXXX, my bank mistakenly sent a credit card payment to Citi Cards as part of their on-line bill pay service. ( I may have wrongly checked the Citi Card box instead of the XXXX box as the recipient of the payment. That part would then be my fault. ) The amount of the payment was {$5000.00} On or about XXXX XXXX, Citi 's Payment Investigations XXXX. contacted me to find out what the payment was for. ( I have not been a Citi card holder since XXXX XXXX. ) By going over my bill pay schedule with the Citi representative, we were able to determine that it was a mistake and should have been sent to XXXX cards ( United Mileage Plus Visa ). The woman I was speaking with ( XXXX? ) assured me that it was a common error. 

When I asked if they could just return the money to my bank ( XXXX ), she said that they would have to send me a check instead, but assured me it would come in three or four days, but definitely not more than ten days. That was XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, one full month that they have held a substantial sum of our money. 

I have called Citi three times in the intervening three weeks and no one was able ( or willing? ) to help. There is apparently no way to connect me by phone with their Payment Investigations Dept.. Indeed, even they can not seem to contact the Dept. by phone. All they can say is : " well, it might take as much as a month for that money to get back to you. '' This seems excessive and unacceptable. They will have held on to {$5000.00} of our money for 30 days??! 

I also asked XXXX XXXX to intervene on our behalf since they assured me that Citi had indeed 'cashed ' the electronic funds transfer. But all they did was contact someone at Citi and got the same message as above. 

Any help you can be would be most appreciated. 


Sincerely, 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 2022-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2022 it has come to my attention that Capital One has collected unearned interest which is a violation of ( 15 U.S.C. 1615 ). I spoke to capital about the closing of my account and the unearned interest that needs to be refunded on XX/XX/2022 and Capital refuse to comply by saying that I owed a " payment '' on a finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Strategic Alliances, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First Financial Asset Management did not disclose that I, the consumer, could dispute the debt. I, the consumer, have paid almost 2,000 in alleged debt. I, the consumer, have sent a cease and desist, affidavit of truth, exhibits and invoice to remedy. First Financial Asset Management received the material on XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been making online payments for my mortgage since opening an account with the money source. Directly after making a payment the money source send notification confirming that a payment has been processed. Today for the first time in history with this company. I received notification in the mail stating that my payment was returned for nsf and since this has happened multiple times. I now have to send certified funds. 

I contacted the company to try and rectify this issue. And was only met with argument from the manager and customer service agent. According to him their system shows that I was notified. However when logging into their system there is no record of such notification on my side. I am attaching a copy of the letter received in both email and online. As well as a screenshot which shows all documents and communication from the money source received to date. The issue is that certified funds and wire transfers are a huge inconvenience and will cost me additional money. We are currently in an economic crisis. And the company is penalizing me for their lack of communication and poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted a complaint to Experian about account XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 about inaccurate information reporting on my consumer report and to validate this account. On XX/XX/2022, Experian update the account showing a 30 day late payment for the month of XX/XX/2022 and took away the positive payment history for the month of XX/XX/2022. According to the Fair Credit Reporting Act, Consumer reporting agencies must obtain accurate information at all times. This account is not accurate. Also according to 15 U.S. Code 1681a ( 2 ) ( B ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2016-05-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
They had FROZEn my credit report since XXXX XXXX credit monitoring had I had been TURNED DOWN for everything have been sick with XXXX since XXXX my kids and I had been homeless careless poor hungry and in dangerous living situations and XXXX problems because of this inaccurate that they caused me

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 2022-06-04
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 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 2016-02-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX I requested Harp loan applications from our first mortgage company.. Filled out application and faxed all document to them on XXXX XXXX, 2015. They later requested a hardship letter which I did and faxed to them on XXXX XXXX, XXXX then they waited until XX/XX/XXXX. to request section XXXX & XXXX so I did that and faxed to them. We are into XX/XX/XXXX now and they are asking for repeat documents again. I have never seen anyone delay, delay, and delay the process of my HARP request. I have tried to talk to them about why they could not ask for all documents needed to send at the same time. Each time I sent the documents they needed they would postpone contacting me for an appointment for at least 2 weeks. then they needed something else. There is no way to get any help for this loan request. I know that if I do n't receive a HARP assistance within 2 months I am afraid I will have to start the default process which will lead to us leaving our home. I tried to get help from my mortgage company and they have no intention of giving a reduction in the principal or lower interest. I am currently not in default and am trying to stay that way.. but I think that I need to file this complaint so other families will not fall into this same despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached an FTC report with an account and inquiries I did not authorize

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX Mortgage 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 15 U.S.C 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 Last Four of SSN # 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