BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Creditor Name : XXXX XXXX : XX/XX/XXXX 2. Creditor Name : XXXX  XXXX Date : XX/XX/XXXX 3. Creditor Name : XXXX/XXXX Date : XX/XX/XXXX 4. Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX 5. Creditor Name : XXXX-XXXX XXXX XXXX : XX/XX/XXXX 6. Creditor Name : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX 7. XXXX XXXX  XXXX   XXXX Date : XX/XX/XXXX Date : XX/XX/XXXX Please provide me with documentation verification that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are the 3 bureaus reporting different last payment dates, high balance and opened date.

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 2017-11-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I reported the problem to Money gram agent. would not give me his name. 
was told will email the complaint via email. I made the complaint on XXXX. 
As of yet money gram has not communicated with me at all. 
I felt ignored. Hold them responsible for not taking fast action. Part of me hold them responsible for my loss by not taking action in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: CA
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 XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are two bureaus reporting different information. One bureau is showing a payment amount while the other has XXXX  dollars as a payment amount. The date open date is different on the two bureaus. Also the amount owed is less than the high payment. Please remove this account from my report due to its inaccuracies.

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 2019-06-23
Company: WorldRemit Corp.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
WorldRemit case # XXXX. I sent {$1500.00} to XXXX XXXX XXXX XXXX  XXXX. XX/XX/2019 for their visa and air plane ticket package. XX/XX/XXXX they received payment. XX/XX/XXXX they said operation takes 14 to 21 days. XX/XX/XXXX they requested {$7400.00} to {$15000.00} more. I refused. A week later they asked for {$930.00} more and I refused. They said they would not contact me again until they received the money. 
I complained to WorldRemit and XXXX was assigned case XXXX. I called up the credit card company, XX/XX/XXXX they said they would look into it. XX/XX/XXXX I got an E-mail from world saying they closed my account. 
I think the credit card company called WorldRemit to see what pressure can be applied to get the money refunded. They decided to blow me off, and this is why I am contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: MoneyLion Inc.
State: GA
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:
Money Lion has an account reporting to XXXX, XXXX, and XXXX for a charge off. I have only taken two Money Lion loans which were paid in full. An additional loan was taken without my knowledge or consent in my name. I am a victim of Identity Theft/Fraud. I have had the alert previously removed from my credit file as it prevented me from accessing my own credit file and I don't authorize any alerts being added. I only authorize removal of the account that is not mine or authorized my me opened around XX/XX/2020 per the credit report listing. 
My information has been involved in multiple data breaches including but not limited to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Received a care credit card. Dr office accidentally charged interest on an interest free card. They called care credit to fix the issue. Care credit assured me they fixed the issue. However, they also noticed a security fee was charged in the amount of XXXX so they advised it will be fixed and gave me an amount In the XXXX amount. However, I can not get an accurate bill after 2 months of trying to fix the issue. Yet they want me to pay a bill with an incorrect amount. Need a corrected bill. Notations are in the system as well as the recording of the calls. I want a correct bill so I can pay my bill properly.

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 2019-06-23
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We had our mortgage through Pacific Union Financial until this year when Mr.Cooper bought them out. Our account was ready in XXXX when we started making our first payment. I made the first payment through auto draft. I did not notice until XXXX that XXXX XXXX Payment was reversed. I went ahead and sent both payments in and they were both reversed around the XXXX of the month. I tried contacting them and they didn't know what was going on and said to contact my bank. I still did not hear anything back and was scolded by a customer service rep for being late on my mortgage when it was their fault. XXXX comes around I try to make another autodraft payment and it was reversed again. At this point I was in a loan modification that is still going on back and forth because they have lost my paperwork twice. XXXX rolls around someone at Mrcooper finally informs me that I can make a wire payment with XXXX   XXXX or XXXX XXXX. I tried both for several hours online and at physical locations. They did not accept it so I sent the payment in the mail to find out they are sending it back now. I feel like this mortgage company is a scam and they are just trying to make me go into foreclosure because I have XXXX equity in the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
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:
On my credit report XXXX XXXX XXXX is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently applied for an installment loan and I used my Citibank savings account to receive my funds. I received an initial deposit in the amount of {$700.00} to ensure my account was active as well as to receive an additional amount that I was approved for which was {$5000.00}. Unfortunately, I could not access my account and I reached out to Citibank to get an understanding of why this was happening. I did not receive any details about my account being closed. Once I spoke with someone from Citibank I was told that the fraud department is closing my account because the check that the lender deposited into my account was not authentic. I spoke with the lending company and I was told that the information my bank is giving me isnt true. I also used that account to receive my tax refund, and the bank is telling me that I have to wait 30-60 days for my account to be closed. And an additional XXXX days to receive my funds. I do not understand this at all because I was also told that regardless If the check was fraudulent or not my account will still be closed. I also tried to fix the issue as well as transfer my available funds to a different account but the bank is denying my request. I do not have any cash and Iam facing a financial crisis at this moment. If the lender did in fact deposited a fake check that has nothing to do with me! I did not request to have my account closed. I can not log into my mobile banking app to change anything or get details about my account. I do not think this is right or fair to me as a customer. I have also had this issue with the same bank in the past and the funds that were in my account were never sent to me. I need to get to the bottom of this issue asap because I believe the bank is stealing my money. Please respond to me asap to discuss this situation and help me resolve the issue with my bank. Thanks

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 2021-10-16
Company: EQUIFAX, 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:
I opened my credit report and i got shocked, how this account popped on my credit. I never sign any agreements or contracts with this company, i don't have any documents from this company which proofs that its my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ALLY FINANCIAL INC.
State: AZ
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:
On my credit report XXXX XXXX XXXX is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX Account XXXX This Account is only being displayed on Transunion and no other bureau. I have tried to dispute this account with Transunion but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on equifax and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on Transunion but the other two are reporting different information on my credit report

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 2019-06-20
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I contacted the financial institution to inquire as to why the PMI portion of my loan had not been removed. I was told that the principle had not yet been reduced to 78 % of the original amount of the purchase price. I was told that I could pay the loan down to the 78 % mark or I could simply wait until XX/XX/XXXX and it would reach that point at which time it would be removed automatically. They continue to refuse to remove it. I have spoken to them by phone now on 4 occasions since XXXX. Each individual I have spoken to has told me that it should have automatically been removed in XX/XX/XXXX.  Told me to just keep paying the amount due each month and they will get it fixed within 15 days and they will then credit me for the over payment. Now they refuse to remove it unless I pay them {$400.00} for an appraisal using an appraiser of there choice. Something about a disaster declaration in Florida in XXXX. This is complete nonsense. Property values as well sales prices have increased by roughly 35 % since I purchased the home in XXXX in the XXXX XXXX Fl. area. If I chose to sell the home it would list for approximately {$75000.00} more than I paid for it. In addition I paid {$5000.00} less than the appraised value when I bought the home so in actuality I passed the 78 % mark long ago. 

This is nothing more than a basic scam from a bank with one of the worst reputations in the country. I didn't take the loan out with them to begin with and never would have. Apparently they are a subsidiary New Penn Financial and somehow ended up with the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express wont credit me rewards points for charges made from XX/XX/XXXX - XX/XX/2020. I have an American Express XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Lending Club Corp
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They require an email request to withdraw funds, since they deleted my linked account. I have made the request numerous times in the last 9 months. I am told the check is in the mail every few months, but mostly they ignore the emails or tell me I have contacted the wrong department even though I am doing what the website says to do. 

Even though they say the check has been sent the money shows in the account and I never receive anything. 

I email regularly agreeing to may what ever fees they want me to, I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX, 2021, PNC bank locked my checking account and removed all my funds in it. They did it because they believed that there were some fraud XXXX XXXXransactions to my account. However, they did not provide me any other information, for example, the exact transaction that they believed was fraud. And when my bank account was closed, there were {$4400.00} in it. According to my own investigation and PNCs response, there were only {$1900.00} of all my funds was claimed, and the rest of them were not claimed by the sender. However, I have contacted PNC from the day my funds were locked till now, and they refused to return my funds without any documented reasons. I just hope to get my funds back since I know that not all the funds were claimed by the sender, and PNC has no right to hold and use my money for any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank personnel call me once or twice day regarding another individual. They do not contend that I owe them money. Rather, they claim I am a secondary contact number for another. 

I have asked them to stop calling my number on three separate occasions. Each time I do so they falsely state they have never been asked to cease calling. 

The person who called this morning, Sunday, XX/XX/XXXX at XXXX XXXXXXXXXXXX. identified himself as Mr. XXXX and left a callback number of : XXXX, ext. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I fell behind on my car payments and gave the car back as a repossession. I have given them the car back. Today XXXX/XXXX/2017 I  received a call from my apartment complex today stating that they have been harassing my leasing office for information on me. Why? You have the car and the leasing agents are really getting irritated. Then when I had the car the Human Resources director at my job was called by XXXX XXXX being very nasty and rude to her. She had nothing to do with my financial situation. The harassment has to STOP. This is over. You have the car. I will file charges for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing this letter on behalf of my father. I am his daughter and I just became care taker of his finances on XXXX XXXX, XXXX after he was hospitalized XXXX XXXX, XXXX. 
As I am currently reviewing my fathers finances, I came across his car note. I have many concerns about the contract being that my father is on a fixed income. 
He is requesting a reduction in the interest rate on the car payments. He requests you to reduce the current interest rate of 24.01 % to a more reasonable rate of 3.95 % so it is more in line with the current market rate for used cars. 
We have visited the websites of several competitors and notice that they are offering an interest rate much lower than what he is currently receiving. He stated that the whole process was confusing because of the electronic signature process. He was XXXX XXXX XXXX at the time and does not have a good understanding on todays technologies. After reviewing this information with my father, we feel that this contract is unfair. There is a scam that unscrupulous salesmen and load companies play on the elderly and I am hoping this is not the case. 
My father have been a solid customer with your company for the past 20 months and would appreciate your consideration of a lower rate on his account. You will find that he maintained an excellent history of payment with your company and would appreciate your consideration of a lowered rate at this time.

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