BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card number was stolen and fraudulently used to purchase services in XXXX. I am a resident of XXXX and was traveling to XXXX and XXXX at the time. I called the credit card company, USAA, and disputed the charges. I spoke to at least XXXX individuals who repeatedly lied to me about the state of my credit card and my ability to use it while traveling ( I would be stranded without hotel or food. ) This was back in XXXX. Today, USAA claimed one of the XXXX businesses claimed the charges were valid. Despite the fact that the fraudulent charge was not made under my name or the name of anyone in my family, USAA is holding me responsible for these charges. Further evidence I did not make these charges is that I was not in XXXX at the time -- as plane tickets bought with my USAA card show -- and the card was used for vehicle services on a vehicle I do not own -- as my car insurance with USAA would show. Despite all of this evidence, USAA is attempting to charge me for these fraudulent charges. I am being given NO RECOURSE to bring up these pieces of evidence. Furthermore, since XXXX, USAA representatives have repeatedly treated me in a condescending fashion and lied to me about the state of my card. I fear USAA may be colluding in a SCAM with the disputing company, XXXX. Furthermore, given the way the USAA representatives treat me and the way they pronounce my last name, I believe my ethnicity may be involved with their choice to participate in this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Loan originally with XXXX XXXX XXXX XXXX who transferred the loan [ without the proper notification ] to Selene Finance during the middle of a Loan Modification Request. Selene came back with unreasonable Loan Modification terms : extending out the term of the loan ; increasing the interest rate from 2.875 % to 5.375 % ; having the Note balloon in 17 years [ which would have been the orignal date the mortgage would have being paid-off, and the Balloon payment is for over {$180000.00} at that time! ]. None of this was disclosed to us until we received the Loan Modification paperwork, and Selene Finance 's pressure to immediately sign the Loan Modification documents. In our opinion, XXXX through Selene Finance are attempting to defraud us under the guise of a Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Selene Finance has been reporting my mortgage loan delinquent to all credit reporting bureaus despite the fact that the mortgage was part of Chapter XXXX bankruptcy settlement dating back to 2011. I have made numerous attempts over the past three months to discuss my account with customer service representatives, but they refused to discuss my account insisting that the attorney who handled the bankruptcy years ago was listed on the account and that they would only talk to him. Once I contacted the attorney, he refused to write a letter to Selene Finance authorizing them to discuss the account with me unless I paid him {$350.00} for the letter. Unable and unwilling to pay for the letter, I was forced to seek another attorney to handle the matter with Selene. For days, Selene refused to acknowledge the letter faxed by the new attorney. Once the new attorney spoke to XXXX XXXX at Selene, she refused to acknowledge the bankruptcy discharge and indicated Selene " did n't care. '' Selene is now claiming I have to start a dispute with the credit reporting bureaus. So my credit status remains unresolved despite the fact that I have gone through all legal procedures and expenses to resolve this financial loan legally. Selene refuses to acknowledge and honor the United States Bankruptcy court order and my credit issues remain unresolved. I did a deed in lieu of foreclosure with Selene Finance a long time ago. The property was sold immediately because it was in perfect condition. Despite all these legal procedures and efforts, Selene Finance, continues to violate my rights under the fair consumer reporting laws with blatant disregard for the the federal and state consumer protection laws. Bank finance criminals receive better protection under the laws than I have received over a measly mortgage loan legally discharged under the protection of the " law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: National Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received, and responded to, calls from this company, verified that I am not the person who they are attempting to reach, yet they continue to call me at my place of employment demanding that I verify my identity to " ensure I 'm the person '' they are trying to reach. The person calling leaves the name XXXX and phone number XXXX XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an account at Usaa I called them on XXXX XXXX when XXXX had a data breacher with me being a federal employee I was advise to take procaution so i called them on XXXX/XXXX/15 asked them to close my account ending in XXXX. I open a new account ending in XXXX come to fine out they didnt close it and alot of ach payments tried to come through and they charged me XXXX for everyone that tried to come thruogh amounting in XXXX Now they have closed that account and put holds on all my other accounts with me not being to recive my direct deposit until that is paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Rauch-Milliken International, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
A sales person for yellow pages called XXXX XXXX show up one day to my place to offer me a good deal on marketing for my busines wich is currently colsed, the original agreement was XXXX dollars per month i never sign any document i just accepted verbally, but the first bill that i received from them was for the amount of XXXX dollars plus XXXX, by then i totally disagree with that amount because we agreed XXXX and nothing else i did not have that amount to make that payment, I asked twice to XXXX when he came to my shop is there any hidden or extra charge and he told me not at all and that was the reason why I accept by then he never mentioned anything about that ridiculous amount always told me XXXX will be your first bill even when i received my first bill i contacted him and he contacted yp for an explanation, when i receive the call from collection from XXXX and from XXXX i told them i do n't want to do any advertising with your guys because this is not what we agreed so close my account and im more than welcome to pay for the 2 months that your guys had my listing online 2 months later they close my listing and that it, never heard from them anymore, ( I DID NOT SUBMIT ANY PAYMENT ) Now 2 YEARS LATER this company called ( Rauch Milliken International, inc ) XXXX XXXX XXXX, LA XXXX PHONE ( XXXX ) Just send me a letter claiming that i owe XXXX dollars wich is not true is totally incorrect and also they just threat me to seize my bank account, inventory, account receivable etc, without this case being taken to a small claim court or anything like that, also they just called me on Thursday XX/XX/2017 and same thing the girl on the phone threat me to take legal action against me or my company wich do n't exist anymore. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a payday loan online and was pre approved for XXXX then I  was told  by email to visit a local check into cash store with the proper documents and I  would walk out with my cash.but I was never given the chance to go to the  check into cash store and forfill my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: Netspend Corporation
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Net Spend XXXX Texas XXXX has an agreement on small claims action. They agreed to stop payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX checks was not cashed only the one XXXX XXXX. We sent to Supporting Complaints Dept of Finicial Assistance XXXX XXXX XXXX XXXX Ny XXXX reference # XXXX Net Spend. They 2 Business days and some seem to leave job XXXX @ Finicial Dept Ammends must be made because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office tried to file false claims XXXXXXXXXXXX has them incontempt of court XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My Name is XXXX XXXX and I need to file a complaint against my recent experience with capitalone credit card. I have been using my capital one credit card since 2011 and this is actually my first ever card ending with XXXX ( Master Card ) 3 days ago I logged into my account and see there was a " Restriction notice " on my account meaning that I am unable to use my account due to unknown reason. and the message says ( This account is currently restricted. ( Ref. No. XXXX ). upon calling their representative I was told to send my proof of identity that I am the right card holder. they ask me to send my copy of social security and driving license via fax/email. I spoke with their on duty supervisor and expressed my concerns that I am not comfortable sending my secure information over email or fax to anyone. she said the other way is if you bring all original documents to visit one or our branch and let their branch representative call at XXXX so that we can activate your account. I found that way reasonable though bank is still 30min drive from my house. today I went to their nearest branch in XXXX, XXXX and the lady had called at the given number but their card representative said I still need to send these copies via email/fax to them and they can not verify my identity and my wife 's identity without getting copies our social security and driving license via fax/email. 
My complaint is 1- what makes them feel after so many years that we are not the right account holder2- why they can not verify our identity when we went in person with all documentation to their branch as per their supervisor instruction? 
3- Now, I have decided to close my account with them after getting last statement but upon asking to give my earned rewards back they said I can not get those unless account is reactivated and for that I must have to follow their instruction. the only reason for closing my account is that i dont want to send copies of my secure information to anyone for this simple transactions based issue. and they wont release my earned reward which I earned after so many spending 's unless I send these. 
So please let me know what are my rights being a consumer and what capital one rights in terms of accessing someone 's private and most secure information? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
One of Bridge Lending Solutions representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XX/XX/2022 at XXXX XXXX  XXXX, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. 

Prior to this, on XX/XX/2022 I sent a Revocation of Authority to Contact Third Parties and asked that Bridge Lending Solutions stop contacting me while I research tribal loan enforceability in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole and used my personal information to open a XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending in : XXXX, The accounts are fraudulent, unauthorized and do n't belong to 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 2017-02-03
Company: RIA FINANCIAL
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred XXXX in cash from Walmart to wallmart. 
when I found out this was fraud I put a stop on the money and they gave me a refenece #, when I went to get my money they said no that the funds were transferred. I need help asap please call me its an emergency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter regarding a debt I do n't owe. I have been a victim of identity theft so I keep accurate records of my credit report and know exactly whats on my report. But I called the company DYNAMIC RECOVERY SOLUTIONS any way. The person on the phone said it was a debt from before 2003 and I have the burden of proof to provide them information that I do n't owe the debt. Then I received a letter from them saying the same thing. I have never had a XXXX credit card. I have only XXXX credit card. Their saying I have the burden of proof from something over 12 years ago is Preposterous even if I did have a card. I XXXX this company and they are trying to pull this scam all over the place and they need to be brought to justice. Someone needs to shut this place down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Velocity investment located in NJ, has been collecting on XXXX prior debts, XXXX of them has been paid in full, the second is in monthly payments. No letters or communications have been sent to me to remove the first account from my credit report, I was promised emails to confirm the payoff, nothing was received. Now I have other so called debt collectors contacting me about some obscure debts. I do not know if Velocity has shared my information, or what has happened. I am considering asking my bank to recuperate the funds I have paid.

Company response to consumer: Closed
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

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 2022-05-17
Company: EQUIFAX, INC.
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:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Friday XXXX XXXX, I called Smith Debnam Attorneys at Law ( hereby referred to as " Agency '' ) and contacted XXXX XXXX ( hereby referred to as " Agent '' ) at extension XXXX. Per the letter sent by the Agency dated XXXX XXXX, 2016, where they state the amount owed on XXXX ( hereby referred to as " Creditor '' ) Account ending in XXXX to be {$2600.00} and in which the Agency states " Our client has authorized us to initiate a judicial proceeding against you. In an effort to avoid costs associated with litigation, our client has authorized us to give you an opportunity to settle this account without having to go to court '' if there was no response within 20 days of receiving the letter. 

I made this call to get more information about the alleged debt. During my call with XXXX XXXX I specifically asked what the original amount and date of the debt which was discharged from the creditor to their office, in which she stated the amount to be {$2600.00} and that it was received by their office on XXXX XXXX 2016. The amount she stated was the same as the one on the letter in reference. I told her I would be speaking with the original creditor to review my options and hung up. 

On XXXX XXXX I spoke with an account representative of the creditor, XXXX and revewing all correspondence regarding this account I confirmed that the amount the creditor released was {$2500.00} based on a letter I received from the creditor which is dated XXXX XXXX, 2016, and not the {$2600.00} XXXX XXXX " Confirmed ''. 

Therefore, the debt collection agent, and hence the agency have lied about the amount of the debt in what I believe to be an attempt to claim more than the original debt. There is no statement or evidence on any of the correspondence sent by the Agency or agent stating the reason for which the debt they claim is higher than that dischardged by the creditor. 

I am requesting the agency to send proof of the debt. Until I receive the letter of proof I ask that this matter be reviewed. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Dynamic Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: Global Trust Management LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called an ex husband of 10+ years stating that they needed to locate me, XXXX, I have not have contact with this person for a very long time.. I called the XXXX contact number that global trust management llc used and informed them not to contact any other number than mine, they again called again under a different number and did the same thing, XXXX XXXX is the one who keeps calling, I against XXXX called her and informed her once again only to call my personal phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Radius Global Solutions LLC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I paid off my student loan from XXXX but I am getting letters in the mail from a comany called Central Credit Services LLC. They are stating that I have not paid off my debt. But I have documentation that I have paid my debt in full. I believe they are a scam. 

Their contact information is Central Credit Services LLC XXXX MO XXXX Phone 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 2016-12-19
Company: MARINER FINANCE, LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting 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 explanation