BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Remitly, 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, I'm very disappointed to write this that " Remiltly Inc. '' App does not securely transfer money and solely rely on account number only. They do not verify first name or last name or email or phone. 

If they or I make any single mistake in writing an account number money is taken to any partner bank without any confirmation or verification process. 

There was one typo meaning one XXXX missing in an account number and still the funds went through on XXXX XXXX it was supposed to be received to my family for medical emergency since my brother was admitted to hospital but they have been giving me different answers. 
Also, I reached out to recipient XXXX XXXX- XXXX XXXX XXXX  and they checked both the wrong and right account numbers. None of the account has shows any entry from remitly or under my name for the XXXX and XXXX month. I have followed up with Remitly every week since XX/XX/XXXX and I had to file this complaint against Remitly since they are not refunding my money neither providing it to the correct recipient. 
Please see transfer details below : Remitly transfer reference number Recipient : XXXX XXXX XXXX ( my uncle ) Transfer No. : XXXX XXXX XXXX XXXX Submitted : XX/XX/2023 XXXX XXXX  EDT Reference No.XXXX XXXX XXXX XXXX Delivery : Bank Deposit Bank  : XXXX XXXX XXXX  ( XXXX ), XXXX. 

Please let me know if you need any more information. 

Thank you, Looking forward to hearing back from you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I cosigned a student loan for a friend in XX/XX/XXXX for {$27000.00}. Another in XX/XX/XXXX for {$27000.00}. Loans were for friend to attend XXXX XXXX XXXX XXXX XXXX. I did receive a couple of calls from Navient early in the life of the loans ( maybe XXXX and XXXX ), but did not hear anything for years, was under the impression that all was being handled by the primary borrower. 

In XX/XX/XXXX, I received a collection call from Navient informing me that the account was delinquent and now in my name only. I was completely unaware that the primary borrower was no longer the responsible party. Navient has been calling to ask me to now provide payments for a current balance of roughly {$93000.00}. 

I requested copies of the original contracts, as well as line item detail of the interest that has accrued on the loan to balloon it from {$54000.00} to {$93000.00}. I received the original agreements, but nothing detailing the balance increase. I will attach the loan history per my account login on the website. It is not much detail and extremely confusing. I do not know what was happening in the first few years of the loan with forebearance charges and such, I was not involved in any of that, communication was between Navient and the primary borrower. I am also not sure how interest was calculated since XXXX when I stopped receiving communication from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am going through a separation and financial hardship related to such matter. I have contacted XXXX XXXX in XXXX, VA on several occasion. Paid to have trouble shooting to the vehicle and they have failed to respond. My husband was in possession of vehicle prior to the separation and no the transmission seems to be slipping. We are going through a terrible custody case in court and he is unwilling to release the loan. I am a XXXX XXXX  mother at this time and can not afford the loan regardless. I am out of options and need resources please! Contacted XX/XX/2023 via phone approx. a month ago took to the dealership with no avail. and have attempted to contact the loan holder capital one with no return calls. payment {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone pretend to be a landlord renting a property. I send money for the application and for a deposit. 2 payments of {$55.00} for two adults and 2 payments of {$450.00} for a security deposit to supposedly take the property off the renting listing on XX/XX/XXXX. As soon as they started asking for more money I started calling them and by the end it sounded like they would try to work things through because they keep saying that all the money was refundable. As soon as they didn't show up the next day I called my bank and explained them everything. They didn't say much, the next day XX/XX/XXXX I contacted my bank again but they informed me that they couldn't do anything and that they had send a letter to my home to inform me of that decision instead of telling me right away when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit reporting 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:
I have a few hard Inquiries on my Credit that Im not aware of such as : Citizens one on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a collections account on my credit report that I do not recognize and did notauthorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/XXXX I also have 25 inquiries I did not authorize or make : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collections account that has been negatively affecting my credit report and causing me undue stress. The collections account in question is identified as " XXXX XXXX XXXX XXXXXXXX, '' and I believe it has been erroneously reported on my credit report. I have taken steps to contact the credit bureaus in an attempt to rectify this situation, but the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX '' when I reviewed my credit report. To my astonishment, this account was negatively impacting my credit score, and I had no prior knowledge of its existence. The account in question has significantly affected my ability to secure favorable financing terms, obtain credit, and achieve my financial goals. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received adequate verification of the debt 's legitimacy, and the collections account continues to damage my creditworthiness unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account under XXXX XXXX. 
Your company is in clear violation of the law. Under 15 USC 51681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( ) IN GENERAL Subject to subsection ( c ) any consumer reporting ageney may furnish a consumer report under the following eircumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to fumish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( A ) Subject to section 16815-3 of this title, any.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 91692g violations Fair Credit Reporting Act 15USC 51681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 91681n ]

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 2023-07-06
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On Wednesday, XX/XX/XXXX I made a payment in full of almost {$6300.00} dollars. Normally payments clear within a day, two at most, but this time Venmo, managed by Synchrony Bank has not clear my available balance even after 3 days. I called them today to find out why and the reason I was given is because apparently there's an invisible 'threshold ' of {$2500.00} dollars that are counted together with purchases or payments and any amount over that is on hold for 7 days! Ridiculous. They already took my cash from my checking account and are holding it somewhere instead of applying it to my available balance. They should pay me interest for holding my money this long. They also refused to provide written documentation regarding this 'threshold ' which does not show anywhere. If this is indeed the case, as some representatives refuse to do their jobs, then they must be investigated for doing anything outside of the law. Anyone holding another person 's money needs to pay them interest while doing so. Other Venmo/Synchrony users beware!

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 2020-03-02
Company: Experian Information Solutions Inc.
State: FL
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:
My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please 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
Consumer complaint received 2023-06-14
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Fraud and identity theft Debt is already paid and discharged I didnt give permission to be furnished on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is refusing to give the rest of my insurance check claim funds to fix my house from Hurricane LaurXXXX which happened OVER 2 YEARS AGO. They have refused to engage in common sense talks to solve my issue and have done nothing but tell me lies. They changed companies who handle insurance check claims in the middle of us fixing our house and we have done inspections and guess what no money was released.The original amount for insurance was $ XXXX, and we got $ XXXX up front, but with inflation and labor shortages that money is long gone. We are almost finished with our house, but we are unable to finish or make more progress because they refuse to release the last $ XXXX of our money. They want to deny us from getting our money so they can keep making interest off the account, and my family suffers while we live in a tiny little camper. 

I have tried for the past 6 months to handle this with the company in every way possible, but they refuse to help me. We are at the point that we are going to re-finance with a different company just to get away from them even if it means us getting a worse finance rate. We didn't choose Freedom Mortgage, they bought our loan from XXXX XXXX, and by far it has been the WORST EXPERIENCE of any mortgage companies we have ever dealt with point blank.

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 2022-11-05
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX purchased anything on this card in over two months its been sitting in my closet all of a sudden Ive been paying {$35.00} every month so I can hurry up and pay the {$750.00} off on this card as of yesterday I have a balance of XXXX now today 24 hours later I have a balance of XXXXXXXX XXXX XXXX dollars Im getting hit for late fees and Im not even using this card

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 2022-01-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a XXXX $ limit, paid it off in full for an apple Goldman Sachs credit card. The payment was pending for about XXXX weeks, during which time I had claim rights with my bank to get it refunded for bad behavior by the credit card company. About XXXX days after the XXXX payment posted, and I lost those dispute rights, they lowered my credit limit from XXXX to XXXX, without any prior notification, or any explanation as to why they waited exactly until I lost my dispute rights to make this change. Now, I can not use the credit limit to increase my credit score. I found this behavior very predatory. Finally I got a call from a Manager who told me to contact my bank to file a dispute, knowing full well they had waited out my dispute rights before pulling the rug out from under me. Now I could have used that money to pay off another credit card to gain credit score, or used it for myself, but instead they have commuted what I consider to be an incredibly scummy and dishonest act toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AAFES continually reports to the credit bureaus that my account is in negative standing. I have sent a letter asking for validation and I have yet to receive a letter from AAFES.

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 2022-11-12
Company: Atlanticus Services Corporation
State: AZ
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:
I closed this Aspire XXXX XXXX  Credit carsd account several weeks ago due to fraudulent use by an unknown person, and was told by an employee that I could not re-activate it until the end of the billing cycle, today, XX/XX/2022, but today all I get is that there is a payment of {$270.00} due but no one in the XXXX or XXXX knows what the balance is for, and until the card is reactivated I can not sign into the account on-line, and I do not receive paper statements, so now, they are going to start charging me interest at XXXX XXXX  or more, AND REFUSE TO TURN MY CARD BACK ON unless I make a Payment I may not actually owe, and I do not know whether it is better to make the payment for an unknown charge and then demand a refund for it, or file a complaint with you.. 

I not only made multiple calls to their number, which does not go to their offices in XXXX, XXXX but to the XXXX, and even one that was answered in XXXX, XXXX. I THINK THE ONLY WAY THIS OUTSOURCING IS EVER GOING TO CHANGE IS IF AMERICANS DEMAND CONTACT INFORMATION THAT IS NOT OUTSOURCED. 

I think all American citizens are getting tired of banking and credit card companies outsourcing customer service to offshore companies, and then being asked to provide personal information before they even attempt to provide assistance. And if you ask for a statement they have no way to send it to the United States, they claim, but my fax number works just fine from any country as long as there is a " 1 '' in front of my US number, and my email also works from any country. It just excuses for lack of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: IN
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 have filed a complaint with the FTC regarding fraudulent information on my credit report which do not belong to me at all I have no knowledge of this I am sending the FTC Identity theft report

Company response to consumer: Closed with explanation