BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I recently paid in full my Amex XXXX card balance in full on XXXX/XXXX/XXXX, 3 days before it was do. Total statement amount due {$3400.00}. Then, I received a new statement saying I owed {$20.00} for interest on purchases. My account was closed by Amex XX/XX/XXXX. So, I could not make any purchases at all. Further down the statement it shows interest charge calculation on purchase from XXXX/XXXX/XXXX to no date at 10.49 % and subject balance of {$2300.00} for a total of {$20.00} in interest charges. I have come to find out after calling Amex about this, its called trailing interest fee 's. My problem here is that the statement does n't tell you each month that you have a trailing interest balance of a certain amount and they just listed on my final statement as the interest charge on purchases not trailing interest on your account because you did n't pay the balance in full each month. This is clear deception by Amex against its Cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle in XXXX 2011 that I put XXXX down on to rebuild my credit I was XXXX told it would be XXXX then told that it was not available on that vehicle it would be XXXX I was not happy but was planning on paying car off early so went ahead. I got the loan through Ally from XXXX I made my 1st payment higher than required and in same month made XXXX toward principal I made payments on line and it did not look right so I called. i told them this was a principal payment and since they do n't show it on there online payments do I need to mail instead. I was told just call and it will be corrected. I made numerous payments early and three principal payments and feel that Ally did something to somehow keep interest not allowable. I refinanced loan that they say was still over XXXX when I only had loan 2 years and paid off app ; XXXX of XXXX which I believe balance was around 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 2015-04-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have deposited funds from my bank account to Binance US numerous times. {$1000.00} on XX/XX/2020. {$1000.00} on XX/XX/2020. {$500.00} on XX/XX/2020 and many others. On XX/XX/2020 I attempted two withdrawals of {$1000.00} each from Binance US to my bank account. On XX/XX/2020 I attempted to withdraw {$400.00} from Binance US to my bank account. I never received the emails for disbursement on any transaction. {$2400.00} of my money are now " In Order '' on your exchange with all transactions still pending. Essentially you have locked my funds and they can not be traded nor transferred. I have submitted tickets to tech suppport, contacting you through XXXX and messaging your CEO. No response has been given to me. There is a growing number of frustrated customers on social media complaining of the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Capital One Auto Finance is reporting payment information ( " Last Payment Made XX/XX/2021 ) after bankruptcy discharge to XXXX  credit bureau. This is a violation of Bankruptcy Code 11 U.S. Code Sec. 524 ( a ) ( 2 ). They are also reporting payment history on the same loan which was service transferred to XXXX XXXX and failed to notify XXXX  and XXXX  of this fact, which is a violation of the FCRA. In addition, Capital One Auto Finance violated the Fair Collection Practices Act ( 15 U.S.C. 1692e ) by " The threat to take any action that can not legally be taken or that is not intended to be taken. '' This violation occurred when Capital One Auto Finance posted the payment information ( " Last Payment Made XX/XX/2021 ) on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Paypal Holdings, Inc
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I made an accidental purchase through an online retailer and cancelled the order immediately, as this retailer does n't have a review screen ; if you accidentally hit purchase it automatically processes the order. I have always ordered through PayPal and in this specific circumstance PayPal provided me incorrect information regarding the cancelled order and processed a refund on a purchase that sm was n't supposed to post. Several phone calls have proved to be pointless based on the fact that they prefer to place the blame on the retailer not themselves. A purchase authorization for a specific dollar amount was withdrawn from my bank account several days after the cancellation but processed Several different transactions causing nearly {$200.00} in bank fees on my account, just to be refunded days later yet all the fees incurred remain. I 've spoken to the retailer and PayPal several times with no resolution or accountability. Paypal also processed my refund as a credit card when it was a debit card and they keep giving me the runaround because of how they charged my card! PayPal used to be a safe haven for online shoppers but over the past year or do, I 've noticed that PayPal has begun processing transactions in ways that put the consumer in an " at fault '' position when PayPal has options to rectify its own wrongdoing but refuses to do so. I will be moving my business to XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was required to be late by FHA. Supporting documents attached. 

Divorce proceedings were started XX/XX/2014 and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, XXXX, XXXX  blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low XXXX 's when my scores should be in the mid XXXX to XXXX, everytime I contact them they do not fix the issues that these creditors are illegally causing

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 2021-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Trying to buy my daughter a bed from XXXX XXXX XXXX while its on sale. Capital one has the money on my card on hold even though XXXX may refunded it. I disputed it after it didnt show In 10 days and it refunded the next day. Theres no reason I shouldnt be able to use my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This must be illegal. I continued to dispute this alleged debt, and they continue to tell me that they are not reporting this debt nor trying to collect on it, but I later receive this communication from RESURGENT, concerning the same debt that I disputed with LVNV Funding LLC four moths ago. Now RESURGENT, has refused to reply to my Debt Validation letters, send me the requested documents showing my signature on a contract. Now they continue to call my phone over and over all day, threatening to call my job, file a Civil Action against me. Please investigate this company illegal acts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello Please understand that Select Portfolio Servicing refuse to modify my loan in order to keep my home because i had a PO Box as my mailing address. 
As of XXXX/XXXX/XXXX Select Portfolio Servicing placed me on a HAFA Short Sale since they denied my loan modification application, Select Portfolio Servicing placed a value inspection thru a Brokers Price Opinion which it came back at {$380000.00} After several months under review As of XXXX XXXX Select Portfolio Servicing order a new Brokers Price Opinion hiring a new company to perform the evaluation, A few weeks later, the new report came back at {$550000.00} as the new value. 
As of XXXX XXXX i disputed the value since it did n't make any sense that the value increased almost {$200000.00} in just a few months. 

Select Portfolio Servicing refuse to take the report that i prepared for them to dispute the value, i spoke to a manager from the ombudsman dept. who told me that in order to dispute the value i will have to pay for an appraisal out my pocket. 
So i did, i paid for a Licensed appraisal to go out to my home and confirm the value, a few days later i received the full report showing that the value was {$400000.00}. 

Now Select Portfolio Servicing is refusing to use the Appraisal that Select Portfolio Servicing forced me to pay for in order to dispute the value, i requested for a manager since this is ridiculous that they keep providing me with misleading information and now they just refuse to help me avoid foreclosure. 

Please help since all im trying to do is now sell my home in order for me to avoid foreclosure. 

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 2015-05-02
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
LVNV FUNDING LLC seems to be on my reports it shows I owe {$130.00} for an account I have no knowledge off.LvnV IS ACTUALLY on my reports XXXX XXXX different accounts XXXX as lvnv XXXX as XXXX XXXX and various addresses for the collection company. 

I have no knowledge of this accounts I believe they are not mine.show me proof or anything because I have never heard of this. 
LVNV FUNDING XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXLVNV FUNDINGXXXX XXXX, XXXX XXXX XXXXXXXX different addresses across the country with same phone number I have tried XXXX address and numbers unsucessfuly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Denied refinancing at a lower interest rate by SPS ~ Select Portfolio Services. This occurred while I was in XXXX with XXXX - XXXX. I had a XXXX and per doctor 's orders was not to be on my XXXX this time. I did the best I could, keeping up with my bills while only receiving partial pay of {$XXXX} per week from XXXX/workmen 's comp. At this time I was employed by a XXXX. Approximately two weeks prior to returning to my job they made the decision not to hold my job for me any longer, and I was terminated on XXXX XXXX, 2011. I got very behind on everything during this time period and applied to SPS to refinance my home at a lower interest rate, in order to lower my monthly mortgage payments. They rejected my application, while still charging me a 10.75 % interest rate on my home mortgage loan. According to current laws this is predatory lending. They have me over a barrel, as I had gotten farther and farther behind. I kept appealing their decision and finally they gave me a proposal for repayment which XXXX my monthly mortgage payment from approximately {$850.00} per mo ( which I was unable to afford ) to over {$1500.00} per month in order to repay the monies that I owe them. All the while the interest rate has never been lowered and is still the 10.75 %. We have been fighting them with an attorney for over a year now and they recently denied our filing stating we could afford the {$1500.00} per month for a mortgage payment. That is currently 47.5 % of my gross monthly income, which puts a real financial hardship on our household when considering other monthly living expenses. 








































.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to annualcreditreport.com to get my free credit reports from XXXX agencies. I got an error message from Experian saying they were unable to provide the report online and that I should request it via phone or mail. After multiple tries on multiple days, I finally went to there site and was able to pay for my credit report online. I find it troubling that the free but legally mandated service is unable to provide me with easy access to the report, but that I can pay for it. Furthermore, when I tried to report this problem on the annualcreditreport.com site, I could not get past step two of three. Step 2 requires two multiple choice selections, which I made, as well as a written response in the " tell us more ... '' section. After trying multiple ways of filling the form out, I kept getting an error message that " Tell us more is invalid. Please try again. '' and could not make it past this page to submit my issue. There was no further contact information beyond a mailing address on the site.

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 2016-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that EXPERIAN was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My bank reduced my credit limit based on information from Experian. I immediately pulled a copy to see no issues and a score XXXX points higher then what they received. However, the bank says they are using a Vantage Score. Apparently, bureaus give consumers a FICO and use that on their credit monitoring programs. I have asked for the Vantage Score as well via mail. A consumer CAN NOT obtain this on the website and they have no option to speak to a person to address this Vantage issue at their phone number. How is this fair credit reporting?

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 2015-11-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The website was very confusing. There are XXXX things WRONG on my personal record. 
XXXX WRONG addresses : ( I looked them up on the Internet ) I never lived at XXXX XXXX XXXX, XXXX , TX . XXXX ( it 's low rent housing ). 
I COULD N'T have lived at XXXX XXXX XXXX, XXXX, TX. ( it 's a XXXX ). 
I was NEVER employed at XXXX XXXX XXXX. They manufacture XXXX XXXX XXXX. 
When I lived in XXXX, I was the morning radio partner of XXXX XXXX at XXXX. 
I was known as " XXXX Summers '' on the air, as ALL people in show business, do NOT use their REAL names to protect their PRIVACY. 
Yet, somehow, my REAL identity was STOLEN, and I 'M the one who 's been fighting it for30 YEARS now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked United Revenue Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I AM VERY DISTRAUGHT WITH THESE CREDIT REPAIR COMPANIES. AS A BUSINESS OWNER I KNOW THAT IT IS IMPORTANT FOR THE CUSTOMER TO BE SATISFIED HOWEVER I SEE EXPERIAN, XXXX DOES NOT GET THE MEMO. I HAVE CALLED AND CALLED AND DISPUTED AND DISPUTED, AND HAVE NOT GOTTEN ANYWHERE. I HAVE XXXX ACCOUNTS THAT I HAVE NO KNOWLEDGE OF WHICH I WAS ADVISED TO FILE A POLICE REPORT WHICH I DID, AND AN AFFIDAVIT WITH THE FTC WHICH I DID AND THE BUREAUS STILL REFUSE TO HELP ME. THERE WAS EVEN AN UNKNOWN ADDRESS TIED TO THE FRAUDULENT ACCOUNT THAT IVE NEVER EVEN HEARD OF WHICH EXPERIAN DELETED BUT IS NOT TRYING TO REMOVE THE FRAUDULENT ACCOUNTS. I AM DISGUSTED AND MY REPUTATION IS IN HARMS WAY AND NO ONE IS TRYING TO BE COMPLIANT WITH THE LAWS THAT ARE SET TO PROTECT US CONSUMERS. I HAVE A XXXX CREDIT CARD ON MY CREDIT REPORT THAT I NEVER EVEN SIGNED UP FOR AND A STUDENT LOAN THAT I NEVER EVEN SIGNED UP WITH KNOWN AS XXXX. IF THIS MATTER IS NOT SOLVED I WILL HAVE NO OTHER OPTION BUT TO FILE A CLAIM IN SMALLS CLAIMS COURT! PLEASE REMOVE!

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