BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Foris DAX, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The morning of Tuesday, XX/XX/2022 around approximately XXXX am Eastern Standard Time, I was attempting to access my crypto.com virtual currency account in order to sell the virtual currency I have on their platform for XXXX ( United States Dollars ). The representative " XXXX '' who was, and apparently still is, attending my requests stated that I needed to produce the following documents and information to gain meaningful access to my account. By meaningful access to my account, I am referring to the ability to sell, trade or send the virtual currency I currently hold on the platform to an outside/private wallet and view individual virtual currency balances. He requested the following information in order to, possibly, give me access to my account : 1. Your country of residence ; 2. Confirmation and reason for being in XXXX ; 3. The length of your intended stay in XXXX? 

4. Please provide a recent ( issued within the last 3 months ) proof of address : Utility bill ; Correspondence from a Government department or agency ; Statement issued by a bank/financial institution, or an authorized insurer ( should you use a credit card statement, please be sure to mask the card number ). 

I was either unable or unwilling to provide those documents at that moment and have no intention of telling crypto.com why I travel, where I travel or how long I intend to stay there. I similar will not provide them any other ridiculous information they request such as how many times a day I go to the bathroom in order to gain meaningful access to my account. I see no law anywhere which states I need to give them this information in order to get access to my own money. 

Another problem with their illegitimate attempts to prevent me from accessing my account is that, in the interim between when I clearly told the crypto.com representative " XXXX '' that I wanted to sell my coins and now, the value of the account dropped from {$410.00} to {$370.00} which it is currently at now. I want the {$410.00} XXXX dollar amount I requested in the morning on the same day when XXXX and/or crypto.com would not give me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Assets Acceptance LLC ( case no. XXXX ) has been trying to collect debt for me for the pass 13 years now. I have spoken and told them that I didnt open up or have in records of it. In the of XXXX and the beginning of XXXX I was living with my XXXX in North Carolina I have paystubs to show that I was there during that time period. I believe someone used my information to proceed with this account. Ive been trying to dispute for the pass couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Without notice, justification, cause, or documentation despite requests USAA has removed my online access to my auto loan. I am unable to view or pay my loan as everything is done online and I am no longer able to access my account. I was told I should regain access, then told I would not be given access to my account online. This is a problem, as I have not received paper statements for a while.Thus I do not know where or when I send in my payment. I am unable to view payment history, or anything to do with the account. I have not so much as received a single phone call regarding my auto loan from USAA. I have called to inquire about this and have just been told someone would be in touch. It 's well over a month now that I Have not had access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: DriveTime
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I got car loan XX/XX/22 and it has come to my attention that I was never provided my right of rescission or explained of my rights to rescind. I have submitted a affidavit to the dealership and creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX put debt in the amount of {$790.00} on my credit report that I do n't owe. I explained to them that I had insurance during the time in question. While I was attempting to dispute the debt, they just put it on my XXXX credit reports without completing the dispute process and reaching a resolution prior to just reporting the alleged debt to credit bureaus. I do n't owe the debt in question. It 's three years later and they are just now addressing the issue. They should 've been made me aware of a debt not paid by insurance. Instead of waiting too late for the alleged debt to be resubmitted. I do n't owe the debt as i had health insurance during the time in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: JPMORGAN CHASE & CO.
State: IL
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:
please refer to complaint # XXXX. Chase admitted fraudulent use of my identity regarding the Amazon Visa application ; I was told in writing that the fraudulent inquiries would be removed from the XXXX CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by Chase dated  XXXX/XXXX/2017. What 's going on? Why is Chase keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: Incomm Holdings Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, 2017 XXXX XXXX have purchased 3 vanilla gift cards with my credit XXXX  XXXX at XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX. The cards were issued by Incomm financial services with {$450.00} denomination each. On XX/XX/2017 I discovered that 2 of the gift cards have XXXX balance since they were redeemed ( swiped per Incomm CSR ) on XX/XX/2017 at XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  XXXX for full amount ( {$450.00} and {$430.00} respectively ). I immediately contacted Incomm Customer Service to report the issue. I have filed a dispute with Incomm for which I got following response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above. <P/>After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim. <P/>Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed. <P/><P/>They cards were ( and still are ) in my possession and no one ever had a possession of these cards other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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 has violated my rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A States I 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 my written instructions.

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 2017-06-22
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC Mortgage refused to refinance but before confirmed that everything was ok and ready to do it, no returning my calls and emails ... .just sent me a letter that was denied because the application was incomplete. I faxed and mail several information requested, statements, contracts, bills copy, taxes. They offer to lower the int rate and make spend money in apprais al ( {$580.00} ) ap praissal was {$600000.00} loan was less than {$190000.00}.   Please see documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a dispute for unauthorized transactions in the amount of {$3300.00} on XX/XX/2022 for a checking account with Wells Fargo bankon XX/XX/2022 the claim was denied because the original banker made a miscommunication error and submitt d the dispute reason as transaction appeared more than once, even though I said multiple times the transactions were not authorized by me. I called and spoke with them and they said it would take days to reopen the caseIm not able to pay my bills because of their mistakes. I need my money back asap

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 2022-03-10
Company: EQUIFAX, INC.
State: MO
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I planned on leasing an apartment with a seller through paypal and when it came to complete the transaction the seller failed to provide their services. I contacted XXXX to get a refund and they refused. I also contacted my bank, Wells Fargo, and they were unable to help me get as well. In fact, Wells Fargo was belligerent and rude, but would not let me speak to a supervisor or reimburse me for the money spent. Decent banks don't fight you on an obvious case of fraud.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I have tryed to get a credit score. Put Experian will not give me one. And no other company will either please help I can not rent a house home apartment whatever without a credit score help help 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. The date of last activity shows a six month difference in the reported dates across all three bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX Bank? I have written letters to XXXX Bank and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.

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 2022-09-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a CapitalOne issued XXXX credit card ending XXXX. I pay statement balance every month by AutoPay. Where I had used XXXX XXXX XXXX XXXX XXXX to withdraw from til XXXX 2017, I switched the AutoPay to Fidelity Bank. CapitalOne withdrew total payments in XX/XX/XXXX & XXX 2017 from this new bank, but without my input they billed my previous bank XXXX XXXX XXXX XXXX XXXX for the XXXX 2017 payment, which was rejected. They sent me an email of this and readily that balance was paid and they reversed the non-payment fee. Whereas XXXX XXXX XXXX XXXX XXXX billed me their fee of {$33.00} for " Insufficient fund ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My complaint is regarding XXXX XXXX now Navients allocation of my Student Loan Payments. In 2011, I entered into an agreement with my employer ( XXXX XXXX XXXX ) for Student Loan repayment. In total my agency agreed to pay {$30000.00} over 3 years. Each pay period my pay office automatically paid {$380.00} to my student loans for a total of {$760.00} per month. When the payment was set up, I requested that after the monthly required payment was satisfied, the balance of my payment would go to the principal balance of the loan. Navient did not allocate my payment this way, instead telling me the payments were being applied the nexts months payment. When I discovered this I called and asked Navient to correct the issues and was told they could only correct the previous two payments. This continued over the course of my student loan repayment agreement. I called multiple times and the payments were still not properly allocated. I started with a balance of $ XXXX and after 3 years of making {$760.00} a month payments, my loan balance only went down $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Onemain has me listed as having applied for a loan with them on XXXX XXXX, 2017th and I have never applied for anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Rushmore Loan Management Services, LLC I continue to tell them to contact my attorney, but they refuse and contact me directly. <P/>I contacted them in 2017 onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXamong other times. They continue to contact me and not my attorney. I have sent them signed written directives to contact my attorney. My attorney has contacted them. They finally responded in letters received on X/XX/2017 saying they had my letters and would contact me in 30 days - no mention of my attorney or the urgent time constraints in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the XXXX XXXX late payment is wrong. i have not been late. 
ask 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 2022-09-07
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FOLLOW UP DATE REGARDING THE SALE DATE. SCHEDULE FOR THE XXXX TH OF XXXX. ON OUR HOUSE LOCATED ON XXXX XXXX XXXX XXXX XXXX CONNECTICUT XXXX. 

Loan # XXXX SIR/ MADAAM. You requested that we keep you informed regarding this case. Mr Copper has requested documents to do modifications on our mortgage loan. Like you see just on the XXXX XXXX the bank requested additional information. The sale date is scheduled for the XXXX of XXXX. We requested an extension of the sale date to allow time to finish the loan modification. See the email sent by the bank through there lawyers. Refusing to extend the sale date. We are appealing to your office to intervene on our behalf. We need to get extension. So that the modification to be completed. We no that we updated you on this last week. However we are sending this update because of the email received by Mr Coopers lawyers today. In hope that you will intervene for us Thanks in anticipation. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Connecticut XXXX.

Company response to consumer: Closed with explanation