BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Social Finance, Inc.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a XXXX XXXX  with Sofi. I have been trying for over a week to initiate a withdraw from this account. The tell me the withdraw is broken. They pass me from support agent to support agent and tell me I need to wait for the tech dept. to fix it. I've also been told that until this link is fixed there is nothing that can be done. Then they told me I could get a check issued and then told me to initiate I need to use the withdraw function, which does not work. 

This happened in early XXXX as well but last time they resolved it more quickly and I thought it really was just a temporary issue. They initiated the withdraw on their side. Now 2 months later the same link is " broken '' and now it is not possible to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-02-14
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: Reporting company used your report improperly

Complaint:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: MD
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:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  XXXX XXXX {$14000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2023-08-16
Company: EQUIFAX, 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 status incorrect

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have lost over {$15000.00} to Barclays Bank, and I am complaining to get it returned. 

I had a large credit balance -- more than {$15000.00} -- on my Barclays XXXX due to a cancelled trip where my money was refunded to the card. I called into Barclays to request the money be sent to me. I was told they would have to send me a check, and that there is no way to send it by express mail or to deposit it electronically. ( I pay my bill electronically, so ironically they can withdraw from my account, but not deposit ). How convenient that it only works one way in their favor. 

The check is lost, and so is my money, and they have lied to me about it. The credit balance has disappeared. The money is gone. 

I called into Barclays approximately XXXX XXXX  XXXX  on Monday, XXXX XXXX, and requested another check be sent. I was told it would go out regular mail again, and I complained to a supervisor who finally relented and said they would send it out Fedex, but it would still take 3 to 5 business days. 

I have not received the check, and I called in this morning, XX/XX/XXXX, and was told by another supervisor something completely different. No check has been sent out and they will not use express mail, and what I was told on XX/XX/XXXX by a supervisor is not true! I think I was lied to just to get me off the phone. Even worse, I can get NO INFORMATION whatsoever as to the status of my money, and this latest supervisor even stated that it could be one to two billing cycles (! ) for them to re-process my {$15000.00} refund. I am not OK with this at all. They are stealing my money or at least the use of it. It's outrageous that they can receive payments electronically, but not send them back electronically. This is abusive, and it is intentional, and I have been lied to in the process.

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 2019-04-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted loan modification documents to Wells Fargo 's attorney on XX/XX/2019. Wells Fargo 's attorney 's, XXXX XXXX has continued foreclosure proceedings on XX/XX/2019. The foreclosure trial is scheduled for XX/XX/2019. The mediator coordinator, company address and phone number is : XXXX XXXX | Mediations/Loss Mitigation/Client Legal Analyst XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX XXXX : XXXX | O : ( XXXX ) XXXX ext. XXXX | F : ( 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 2023-11-30
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
So back in XXXXXXXX XXXX XXXXXXXX I had accidentally made a double payment for {$500.00}. I called XXXX and asked how do I go about them reversing this. The representative I spoke to had told me that there is no way possible on their end to reverse the charge. However she stated that. Should call my financial Institution where the money was coming from ( XXXX XXXX XXXX XXXX ) and have them do a stop payment and stop the charges from going in and once that was done and I got the money back to just go back in to the SDCCU app and make the payment. I asked her to ask her supervisor would there be any fees or inconvenience I would run into if I were to do this. She then proceeded to ask her supervisor and came back on the phone and said no that I should be fine. When I went back in to the app a couple days later to make the payment as she told me I would be able to do my online payment features were disable & I was instructed to call XXXX. I proceeded to call and they said that my online features were XXXX for having the transactions reversed. I then asked for a manager/supervisor to give me a call. Someone from management gave me a call a couple business days later and I explained the situation to them and she then told me for now the only way I could make a payment was through my financial institutions bill pay ( XXXX XXXX XXXX XXXX ). She said she would investigate and get back to me. She got back to me and told me that my online features were disable for a year until XXXX of XXXX. So I will have to continue using bill pay or going into a XXXX branch location to make the payment. I stated that going to a branch location would be impossible as I had moved out of state, so bill pay it is. Fast forward to XXXX of XXXX and my online features still hasnt been reactivated and I am being charged a {$25.00} fee every month I make a payment because I make the payment on the XXXX of everything month through my financial institution ( XXXX XXXX XXXX XXXX ) however since they have to electronically send a check or physically mail out a check SDCCU. SDCCU doesnt receive the check on time. I as the consumer am having to pay the extra money and fees all because a representative and their supervisor made a mistake. I cant control the United States postal service delivery time nor can I control when my credit union procresses and mails out the checks. I am asking for these fees to be reversed and my online account services be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was granted a loan of XXXX on XX/XX/2023. I made a payment of XXXX on XX/XX/XXXX, then payments of XXXX on XX/XX/XXXX and XXXX. Today, I paid off the balance, and was horrified to discover that the total amount owed was almost XXXX! I don't know the exact amount, XXXX something. I believed that if I paid it off early, I would only owe the principal amount, but this was XXXX more than that. This company got rude with me when I was initially getting the loan and acted like I wasn't understanding the repayment amounts when I questioned them about how excessively high they sounded. I also was told there was no penalty for paying it off early. This is absolutely terrible and I don't know what to do.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-27
Company: Accscient, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, there are several accounts listed that are in violation of various laws and regulations, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  Charge Off Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX Collection Account I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: IL
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:
I wrote in with a complaint that the CFPB clearly didn't care to back me on stating that my score/report couldn't be retrieved due to me not having a file or ssn. I was told in that complaint by Equifax exclusively that they saw no issue fast forward 45 days I needed my credit for a car, same issue but now it was with all 3 bueruos there was a " consumer decreased as of XX/XX/2022 '' alert/statement stoping all applications and reports from being seen by me and causing me to be locked out of my online accounts. For the past 20 days I've spent over XXXXXXXX XXXX  in mail delivery and faxes/prints and copies and over ( documented ) 15 hours!! On the phone with each agency. Numerous times they said " we don't see it '' I talk to a manager they say we do but you must send this in to remove it and I do, its off, then another alert is added and back and forth it goes. SOME OF THE VIOLATIONS include The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I have nothing but time on my hands so I will file complaint after complaint talk to every lawyer that will listen and go after every company until I am compensated and I will raise my fee per complaint I have to redo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX XXXX, on the XXXX of XXXX I did a transfer through moneygram app for {$25.00}, the transfer was taking too long so I decided to call moneygram to see what's going on. I called Moneygram and they admitted to holding up my transfer, I requested to know why. Moneygram asked me to provide the date of birth for a receiver I never met, not only that they also asked for my receiver 's grandparents name. This doesn't make any sense since i use Moneygram frequently. I told moneygram I don't have the answers to these questions. I asked for the transfer to be cancelled, Moneygram explicitly told me they won't Cancel or issue me a refund until I provide the information. This is a violation of the company 's refund policy. I'm demanding moneygram cancel the transfer with reference no ( XXXX ) and issue me a refund immediately!!! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: KY
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:
To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and XXXX I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through XXXX XXXX. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to XXXX. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my Equifax. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and XXXX the original creditor. I have now filed disputes with XXXX XXXX Equifax 3 separate times. The first XXXX times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that XXXX XXXX stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: BB&T CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle in MD in XX/XX/XXXX. My credit was not good and I needed a vehicle because my previous one was out of service. I accepted a {$500.00} down payment with a 24.999 % interest rate. I was not financially literate at the time and just took what I could get to have a vehicle. The purchase price of the car was around XXXX and now over 4 years later of making on-time payments, I still owe a little overXXXX on the loan and the car is only worth $ XXXX- {$2000.00}. I do n't have gap insurance and I feel that I was a victim of predatory lending and need assistance. I have already paid over XXXX on this loan with over XXXX remaining. I want to get out of this loan, but my options are limited. I have even considered getting another car and returning this one to the finance company as a voluntary repo, but really do n't need another negative mark on my credit history. The car dealer involved was XXXX XXXX XXXX XXXX XXXX XXXX, MD and the finance company is Regional Acceptance Corporation based in NC, they are a subsidiary of BB & T bank. Any and all assistance will be greatly appreciated. 
Thank you.

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