BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: KEYCORP
State: UT
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 rented a car from the rental company XXXX on the XXXX of XX/XX/XXXX till the XXXX of XXXX of XXXX. I have only 1 signed and authorized charge and agreement. I returned the car on the XXXX day of XXXX. I was charged by XXXX Over {$1600.00} and when I addressed the over charge as my week agreement I signed for was only {$810.00}. XXXX saw the mistake and quickly fixed it. A month later during the time I was in a rental car from XXXX I was charged by XXXX {$2700.00} and told that i have 6 open agreements. This was clearly very wrong. I Disputed the charge with my bank KEY BANK and the funds were credited to my account. 3 months later my bank deducts {$2700.00} from my account whilst I am on vacation with my family cleaning out my account leaving me and my children stranded over XXXX miles from home. They claimed XXXX sent a receipt that I had a vehicle for much longer than a week. There is no authorization from me for the charges No additional contracts or agreements signed by me. According to XXXX policy the agreement must always be signed by customer and be current. I only signed one contract for {$810.00} because that is all i had ever rented from them, My bank is refusing to return my funds and closed the case. They left my account in the negative {$1900.00} and will not accept my documentation as proof of my standing in the situation. I have lost my job because I was unable to return home in time to return to work. I almost lost my home and I am now 30 days late on my car payment and credit card bills. this is affecting my credit score, my reputation, my bills such as rent, utilities and auto. Please help me!! I have done nothing wrong. I have been billed a total of over {$4000.00} for a 1 week rental car and my entire life is crumbling because of it. My bank will not help me and i am about to end up homeless over this. I lost my job and i have children i cant lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Financial Credit Service, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call today from a XXXX XXXX from Assets Recovery and Associates. The call came to my cell phone from XXXX. Said XXXX County is going to sue me on behalf of XXXX. I asked for something in writing from him he said no and that I owed over {$10000.00} from 2002. He kept repeating my address and county and the last for digits from my SSN. Telling me he was going to sue me if I did not pay to settle the debt. He said he has all my personal information about me and has my credit report. They were suing and putting a lien on my credit report and house. They said this is on my credit report, but I just looked at my report in the last month and there is nothing on there. Refused to provide any information in writing to me. I believe this violates the FDCPA. While he was lecturing and yelling at me on the phone i did a XXXX search and it appears that there are complaints all over the country. The state of Washington appears to say this could be a scam. An attorney blog states they are doing illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
American Express is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being XXXX days late on XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Debt was forgiven, confirmation letters received, XXXX received, but lien is still on title. We have asked several times for lien release, we can not get any straight answers, and it is still not done, it has been more than 30 days. Debt was released in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Empowerment Ventures, LLC
State: LA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a pre-paid Rush card. I have had no access to my account for 12 days. The company said they updated their system and something went wrong. Customer service does n't help. A technical glitch is what their calling it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I reported this to the office of the MN State Attorney General and they have suggested I also report it to you : American Express Customer Relations XXXX, UT XXXX I requested a card at XXXX, which has not yet been received. So, I went to XXXX and purchased one in the store and put {$300.00} cash on it. 
XXXX on XXXX/XXXX/2016 TC # XXXX AMEX BB XXXX {$5.00} on receipt The physical card 's packaging UPC is XXXX Card # XXXX Valid Thru XXXX CID XXXX Because the one I requested online is associated with my phone number, I ca n't set the physically purchased one up online for my personal management. 

ISSUE # 1 I bought the card for the sole purpose of retaining services from XXXX XXXX XXXX. They attempted to charge {$290.00} and it was declined. I went back to the XXXX store and spoke with a manager. He said there 's a " hold '' while it transitions through the banking transfers. He checked the card balance ; {$5.00} remaining. 

There is absolutely no way for this " hold '' of {$290.00} to be received by XXXX XXXX XXXX. So, where is my {$290.00}? I am so disgusted with this matter ; I am reporting it to the State of MN and the FBI immediately. 

XXXX XXXX, MN XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with XXXX XXXX Bank in my name. That day at the dealership, I was given a XXXX XXXX Bank Note to sign and I was able to leave with vehicle. I actually signed XXXX loan notes at the dealership, the XXXX note was signed on the XXXX and the XXXX note was signed around the of XX/XX/XXXX. XXXX the notes were dated for XX/XX/XXXX and XXXX XXXX XXXX XXXX the only listed lender. However, awaiting for XXXX XXXX monthly payment statements. I received a demanding letter for payment from a different bank Santander. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only XXXX XXXX XXXX and the finance adviser at XXXX XXXX never mentioned Santander. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX on XXXX. About three months later a letter dated for XXXX, was sent by a XXXX specialist, XXXX XXXX she stated that my loan application was declined on XX/XX/XXXX, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined Santander 's loan offer. Santander illegally repossesses vehicle all the time for a profit. There is a case against them now. United States of America vs. Santander Consumer USA. Furthermore, the dealership never asked for the car back, I never received any notices of explanation from XXXX XXXX Bank or the dealership before or on XX/XX/XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and XXXX XXXX Bank is still currently listed on my vehicle title. Also, I have letters from Santader contradicting XXXX XXXX Bank claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2013, I cosigned for a vehicle for a boyfriend on mine. The loan is through Santander consumer USA at 26.29 % for the amount of {$11000.00}. I ended parting ways with this said boyfriend and long story short, I have had the vehicle and have been paying on it for most of the loan. I have requested several times for them to send me statements, they never have. I finally figured out how to log into my account on their website ( trying to figure out how to pay off the loan ) and I noticed that my balance as of today is still at {$11000.00}. Confused, I looked at the payment history and come to find out, over the course of 3 years they have only applied {$160.00} towards the principal of the loan. To date I have paid {$10000.00} in interest. They charge a late payment fee of $ XXXX/month. I have been late on several payments and of course there have been some really rough times. There were several times in the life of this loan I have called them and made payments larger then my payment amount and have even asked their representatives if I was caught up. Their answer had been yes, so I did n't think anything was majorly wrong. When first contacting them about my discovery, the first representative just kept telling me it was because I was usually late on my payments. I ended up getting transferred to a manager and she placed my complaint with their " presidential office. '' I asked for that number and she refused to give it to me, however I did get it in an email, and I spoke with them today. I asked several times why they have never applied anything to my principal and his only answer was that it was how I was making the payments. He argued with me for probably an hour. I tried to get him to see that with the interest that I 've paid to date that they were not charging me the 26.29 % interest that is in my agreement, that in fact they have charged me close to 89 %. All I got was the same answers. I asked him how much they have charged me in interest ( $ ) for the life of the loan so far. He only said that their systems do not calculate that and that all he could see was the amount that I 've paid in interest. I 'm behind on a payment again and I 'm torn between letting this car go back or not. I do n't want it to hurt my credit more than it already has, I ca n't get answers out of them, they are not willing to work with me. I asked that man today what he suggests I do in order to get the vehicle paid off, his response was the only way I could would be to make two payments a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received a financial account monitoring notification from XXXX that stated that an account was opened under my name at NAVY FEDERAL CREDIT UNION on XX/XX/2021. This was not initiated by me. I called the bank to put a hold on the account. I have contacted XXXX and XXXX.

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 2016-08-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
i hired all star moving company from XXXX to XXXX XXXX to pick up my goods on XX/XX/XXXX, i paid XXXX % ( XXXX ) as a advance, but then i found out that they have very bad reviews, and bad reputation with XXXX, so i called them to cancel and refund my money, they refused to refund the money because it is not refundable according to contract, then i called my credit card company for a charge back, they put the money on the side but advised me to work with merchant anyway, so i called the mover ( XXXX XXXX ) they insisted not refunding the money, but they insisted to show up to pick up the goods, so i hired another moving company ( all city movers ) and they charged me {$100.00} advance so i booked them, for XX/XX/XXXX thinking that if all star shows up on XX/XX/XXXX i will go with them and will cancel with all city and will loose {$100.00}, but surprisingly all star never showed up on XX/XX/XXXX, i thought they are not interested to fight the chargeback and moved with all city movers smoothly to houston, now after 2 months city bank revered the charge in merchants favor, i called several times to citibank i just got one call back from citibank and she said that because i signed on a not refundable deposit so i should not get any money, but i do not understand that when a moving company does not show up for the job they were supposed to, how can take XXXX % of the money, yes i called to cancel it but mover did not accept the cancellation, and kept insisting that they will show up according to the contract and i waited all day for them, but they never showed up, plus this company charged XXXX % as a deposit that showed their bad intention, because the other company charged only XXXX % as a deposit, it was a red flag which i did not catch, but even charging that big money they did not bother to show up, so i think that citibank is wrong to reverse the charges in favor of merchant, first of all this is not a merchant, it is a mover ( a service company ) but they did not provide me any service according to the contract and still rewarded for XXXX, it is a big loss to me without getting any thing on the other hand, i hope you will ask citibank to reverse this in my favor, my name is XXXX XXXX XXXX XXXX XXXX XXXX and my phone is 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 monetary relief
Consumer complaint received 2016-07-25
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a Best Buy Credit Card. I use the paperless option and so receive monthly notice that a payment is due and the balance is given. I generally go into a Best Buy to pay the bill. ok. I purchased an XXXX computer product for my girlfriend at XXXX ( XXXX ) XXXX on occasion I purchased a few items on the credit card. Along the way I forgot that the 2014 purchase was a 'promotional ' which deferred the interest rate. I have never seen anywhere what the standard interest rate is. After much yelling I found it is 28 %! wow. 
So, the problem now is that they added the accumulated interest on the account and my balance now is the same as it was in 2014 - - I am not even sure if any money that I 've paid for the past year and a half have gone toward anything! I will not go back and tally up what I 've paid and the customer service supervisor ( XXXX in Idaho ) allowed me a few weeks to take care of the remaining balance. My main problem with all this is - - it is a predatory lending practice - - the statement does not show what is promotional or regular and I was not aware ( been very busy this past year ) that the promo was ending. Nothing on the statement alerts or lets me know. That is wrong. Even the new concept of showing the customer the effects of only paying the minimum balance vs. more each month is not illustrated on the ( online ) statement. He said if I were to download and then print the monthly statement it would say all that. I say that all pertinent info should be shown on all statements - online or downloaded or in the mail. The bank that Best Buy uses is Citibank. I really appreciate this form and thank you for listening.

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 2015-06-23
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Since XX/XX/XXXX I am trying to fix this account, my id was stolen with XXXX credit card, XXXX credit cards re-open my account with a different account # they used all my credit cards, XXXX, XXXX, home depot, sears, XXXX all my ID was stolen and used my credit cards I emailed many forms to office depot and I reported all the credit frauds to XXXX and credit cards company they still used my credit information as US citizen we deserve better protection I told them to put a fraud alert and to freeze my credit and they still used all my ID they did all the purchase and they even asked for ID when they were using my ID? I have all my statements the last statement dated XXXX XXXX I paid {$190.00} check # XXXX dated XX/XX/XXXX then I found out this was up to XXXX? these are unauthorized charges I called this XXXX I told them about the fraud called back in XX/XX/XXXX I wrote them a letter to get my balance and to report the fraud and never did anything see attached documents please i need help I was going thru a difficult divorce going to counseling taking my son to counseling and then I lost my job of 15 years then going thru a difficult divorce XXXX, I never had time to take care of this issue since I reported the ID stolen to experian and told them to put a fraud and freeze my credit and lost job never thought they were going to use my ID my social and my US citizen papers, I even wrote a letter to a Lady XXXX XXXX and talked to XXXX XXXX I think his last name is I do deserve better consumer protection. I will paid my balance but not for unauthorized charges when I told them to stop my ID my social etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX of 2014, I was behind on my payments. I was awarded proceeds from my divorce. Before divorce, former spouse was the only source of income. I contacted Citi, in regards to me account. During the phone conversation, I requested for the late charges, as well as as late remarks on credit reports to be reflected as " never late ''. The customer service rep agreed to this. I then commenced to pay the back charges, and the account was " reinstated ''. From that date forward, this account has since been paid and closed. I decided to close this account, due to personal reasons. I have received several mailings, from this company, as well as my request for an an investigation, as per the Fair Credit Reporting Act. I received a letter stating they will no longer communicate with me. This, to me, is their way of stating " We got your money. Have a good day. '' I am highly offended by their comments to my latest request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Venmo notified me of fraudulent attempt to open a credit card in my name. I called to resolve this and they refuse to cancel my account without me sending a picture of my photo ID. As my identity has already been compromised by this company and my social security number has already been used in the credit card application I will not send this photo and risk further damage to my identity. They refuse to cancel my account without it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard has tied up XXXX $ since XXXX XXXX they charging me a double transaction at XXXX XXXX for XXXX atm withdrawal of XXXX plus atm fee. I contacted the atm company they assured me that it was only ine transaction on their end. XXXX XXXX owner of Rush card is claiming through social media the problems are being addressed he shut his customer service phone lines down for the first week now they answer but cant give any answers except system failure hundreds of thousands of people are affected and many states has air newscast about this. I just want my XXXX {$.00} .please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I received a 30 day late on my credit report from Citibank/Home depo account. I strongly feel this was not accurate. I did n't receive notice from Citibank that they had not received my auto pay payment. When they finally called I Immediately paid account and requested this to be refunded as I had no knowledge until they called. They confirmed this, and refunded late fees. To date, I have not been late and acutally paid account off. I recently spoke with supervisor at Citibank, who received my prior CFPB complant, and said he applogized as he understood why Im frustrated and was willing to help me with an fees but since account is paid in full, there was nothing he can do. He did not have authority to remove off my credit since it was already reported. I asked if there was anyone else to speak with, and he said no. Therefore, I again am filing a complaint as I do not feel I should have a negative on my credit reporting due to an auto pay not being complete and Citibank/Home depo admitting they did not contact me till after the 30 day mark advising it was not received and agreed to reverse all fees, but not take of my negative on credit. Please remove the negative mark on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation