BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: BAM Management US Holdings Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/22 I tried to log in to my Binance.us account to view funds and make changes. Upon logging in I was met with a screen that asked me to confirm giving Binance consent to my biometric data. The only option on this screen is to consent ( agree ) or return to the home page where I can not access my account. So, in other words, I have to agree to them sharing my biometric data or they will not give me access to my funds. 

This is illegal, and Binance US should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I don't recall ever open up this account at all

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 2016-03-30
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management Corporation has been using inappropriate tactics to contact me to resolve this debt. The debt no longer shows up on my credit report and they have failed to provide me with information from the original debtor. In the past, I have received calls from them as early as XXXX and have been harassed and belittled by their staff. One of them, " XXXX '' called me a burden to society and went on about how people like me are leeches. I of course, asked to speak to a manager or supervisor and was put on hold ... until I finally hung up 20 minutes later. 

Recently, they have called my sister in law and husband to inquire about the debt. Today, they called the front desk at my place of employment looking for me. The receptionist forwarded the call, but it was clear to her somehow that it was a debt collection agency calling. 

I understand that the majority of their staff is calling from XXXX, but that does not make it okay for them to bully and harass people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The fraud transaction was posted on XXXX for a total of {$5000.00}. 

I have contacted PNC bank to resolve this issue but the bank refused to refund my money. 

These transactions were fraudulent unknown transactions that I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
For 32 years we were a loyal, dedicated, exclusive customer for American Express. We paid them about {$100000.00} per year on average ( sometimes way more ). We used their Rewards Program sparingly, and only when absolutely necessary ( for example to pay for a last minute critical airfare ). According to them, XX/XX/2015 they revised the Rewards program we participated in. According to them we were notified multiple times via mail. Nobody here recalls seeing anything. The new revised program required us " opting in '' to maintain our point balance of XXXX. The fee was going from {$110.00} per year to {$170.00}, which for us would be no problem. According to them, by not " opting in '' we reverted to a non-reward program at {$95.00} per year but would lose all accumulated reward points. As I said, we never knew anything was taking place. A new card came at that time, but it was a chip bearing card and we assumed it to be just the chip making it necessary to send out. Last weekend, we found out by accident ( trying to book hotel rooms ) that " there were no points any more ''. They had cancelled and taken 32 years of accumulated reward points, XXXX in all. In my words, they STOLE the rewards points. I find this HIGHLY unethical, mean spirited to a long time loyal customer, and bad business practice as they refused to reconstruct the program to what it was, even at maybe a nominal cost to me ( for missing something I NEVER saw ). So that 's how American Express treats it 's great long time customers. Let 's let everyone know. This looks like a nice plan to get rid of as many open Rewards points as possible without honoring their intent. Great management decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to purchase a car on XXXX/XXXX/2016. I gave the dealer permission to submit mine and my co signers credit application to XXXX finance companies. They submitted our applications to XXXX finance companies which was 6+ more than I authorized. We signed a contract that day to purchase a car. The next day they sent our credit application to another finance company after I had already made a purchase. Fast forward to XXXX/XXXX/2016 and they have sent our credit app to XXXX finance companies today without authorization and after we have already purchased a car. They are steadily adding credit inquiries to our reports without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I got a Capital One credit card simply in an effort to build me credit, and rarely ever used the card, and after a year came up, there was an annual fee charged to the card. I received the statement and it said that I did not need to pay because I had it set up on automatic payments through my personal XXXX account. There was an issue with the online banking and for some reason the payment was n't going through, which resulted in Capital One putting a 30 day late on my credit report. I sent this information to Capital One and they still would not remove the 30 day late that they applied to my credit report. Please help me hold Capital One accountable to remove the 30 day late that should not be there because this is preventing me from refinancing my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my 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 2022-09-06
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I worked for a qualifying employer from XXXX and have submitted the ECF multiple times. Fedloan Servicing is only giving me credit for XXXX. I have contacted them about this repeatedly over the past two years. The old excuse was it would take a few months to update. The current excuse is that USDOE does the payment count for TEPSLF. I submitted a request for reconsideration with Federal Student Aid last month and have heard nothing. The NYS AG filed a lawsuit against Fedloan Servicing and the agreement states that borrowers are entitled to a recount of payments. After waiting on hold for over two and a half hours today, the representative claimed that I can not request a review or recount, which is in violation of the lawsuit agreement. I want my payments recounted and I want credit for XXXX. I believe I would qualify for PSLF if my payments were accurately counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: WELLS FARGO & COMPANY
State: SC
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:
XX/XX/XXXX - the following debits were posted to my Wells Fargo account - all of the debits are from XXXX in various amounts XX/XX/XXXX. XX/XX/XXXX {$150.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$450.00} XX/XX/XXXX XX/XX/XXXX {$350.00}, XX/XX/XXXX XXXX, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$300.00} I filed a claim with Wells Fargo on XX/XX/XXXX because neither myself nor my spouse authorized these charges. Today I found out WF denied my claim saying 1 ). The charges stopped after I notified them. They sent me a new debit card, thats why the charges stopped. The total amount of these charges is {$7600.00}. The reference number for claim is 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, Account # XXXX, Account # XXXX, Account # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is allowing XXXX XXXX XXXX XXXX to fraudulently report 1 collection account as 3 accounts. I have 1 collection account with XXXX for the amount of {$990.00}. XXXX XXXX XXXX XXXX is reporting that 1 account as 3 separate accounts. I made a dispute with TransUnion and provided documentation showing that I only had one account. TransUnion did nothing at all but update the information as accurate. TransUnion is allowing fraudulent reporting to continue. 

The 3 collections listed by XXXX XXXX XXXX XXXX have the same account number, same original creditor, and same date for placed in the collection. This is all because it's one account with 3 charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, 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:
This is a complaint against XXXX  XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had no idea I owed money thought I was paid off said I owed XXXX and it 's almost {$800.00} now

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: AZ
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 end of XXXX, I called XXXX to share that I was having a financial hardship. They approved a short-term payment plan for my loan at a lowered monthly payment than what I previously had with them. My payment required due date was by XX/XX/XXXX. I had previously had my payments on an ACH payment to XXXX for over $ 400/month through my XXXX account. I stopped the ACH to assure that the old payment amount would not be drawn. I called and informed XXXX  of this and was told NO PROBLEM. XXXX provided me with their mailing address and my exact account # and I immediately created an account for them on my XXXX bill pay. A check was mailed out mid XXXX and cashed/cleared from my XXXX account on XXXX XXXX, 2020. My XXXX bill pay does not pull funds until the merchant cashes the check. This happened on XXXX XXXX, 2020. However, XXXX is saying that they did not receive the payment until XX/XX/XXXX. They therefore kicked me out of the short term plan, reported me to the credit bureau, and despite me sending copies of my bank statement showing their payment clearing my account on XX/XX/XXXX, refuses to reinstate me back onto the plan. I did make my second monthly payment in this plan for XXXX. The check cleared my XXXX account on XX/XX/XXXX which is two days after it was sent. I have sent 10 emails begging for help. I have called a dozen times pleading for help. I have done NOTHING wrong and this company has now ruined my credit score.  XXXX XXXX is a supervisor that I have spoken to multiple times. They claim that a " back office '' determines things and they can not help me. Today, I received a letter from XXXX representative " XXXX '' that was meant for another customer named " XXXX '' and it contained his personal information. This company is reckless and in violation. Please help me. I can provide my bank statements as well as poor XXXX email that they mailed to me addressing a bi weekly plan ( FYI - they told me that this email was for me and someone typed in the wrong name ... I NEVER asked for a bi-weekly payment plan so this is another lie ).

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: Advanced Resolution Services Inc.
State: PA
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:
This company is reporting information this is fraudulent from XXXX XXXX XXXX and XXXX XXXX XXXX asking for a debt that is in litigation for reporting a debt for a account that isn't mine and for reporting information that was not verified before obtain in my personal identity after place a extended fraud alert on my credit report for 7 years and XXXX XXXX alert when I was XXXX. Please hold this company responsible for placing information that is not being verified before place on American credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan through Santander Consumer USA, I have had several deferments on my loan to get caught up. I also had my car repossessed without notice. I was advised in order to get my car back I would need to at least pay my car note payments current. Which I did. Since then have made my payments on time, however my interest amount and balance have only seemed to go up. I then called today XX/XX/XXXX to find out why if I just made a payment yesterday did my balance not go down nor my interest. I was advised I made a partial payment XX/XX/XXXX which has carried over. I first spoke with agent XXXX, then to Supervisor XXXX who informed me of this. I asked XXXX if my car was taken and I paid my car notes current, as well as had several deferments since XX/XX/XXXX do I have a carry over balance. XXXX first explained deferments only carry over the exact payment and nothing more. I advised him I was not informed of this in writing nor by the agent at the time of agreeing to the deferment. He then advised when I was told to pay my car note current to get my vehicle back that I was given a lesser amount. I again explained to him I was not aware of that and only paid what I was told, pay all car payments current. He said that is how it works and he can do nothing about that. I was also charged fees XX/XX/XXXX and no one can explain why. I have had this car since XX/XX/XXXX and my balance has only went up and not once has it went down. When I first spoke with XXXX I asked her why would my entire payment go to interest which she advised, she stated that from XX/XX/XXXX - XX/XX/XXXX I accrued {$530.00} in interest and she did n't know what the interest balance was prior to me making my payment. She told me to calculate myself each month on what I would be paying in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
Contacted Navient.com customer service rep after receiving text of account delinquency. 
Service rep unable to answer question of my account relation with AidAdavantage.com payments. My request to speak with a supervisor resulted in being placed on hold for unreasonable amount of time. Never spoke with a supervisor. 

Made a pyment today in the amount of {$100.00}. Noticed a fee of {$1.00} for late charge. 
How is this possible if the Federal government has placed student loan payments on pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: WI
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:
After reviewing my credit profile I noticed several inaccuracies. Not only is my name wrong but also the addresses on my profile. This is aiding to potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NM
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital one is showing that I have or had a Capital one card. I have never had a Capital one account or card. When I contacted Capital one they had no record of my SS # or account #. I really need this taken off my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: WI
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:
After reviewing my credit profile I noticed several inaccuracies. Not only is my name wrong but also the addresses on my profile. This is aiding to potential identity theft.

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