BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Since XX/XX/2020, on the MoneyLion app I started their credit builder plus loan. It said I would get a {$150.00} bonus in the mail at the time within a week and never received it. Also, I was charged fees I was not aware of, such as {$9.00} membership fees that were charged twice a month. In addition, I have lost my job in XXXX and havent gotten unemployment so its been difficult trying to figure out how to pay for the loan that is supposedly going to be payed off in the future. However, they are taking long to respond to the issue and have taken 5 days to respond to my email complaint and still said they will have to review it, while I believe I deserve a refund. I am still getting charged {$39.00} dollars twice a month which has brought my account to overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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: Personal information incorrect

Complaint:
BETWEEN XX/XX/2018-CURRENT I HAVE REACHED OUT TO XXXX, XXXX   AND EXPERIAN TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.

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 2020-06-24
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
During times of uncertainty, I purchased a vehicle on XXXX XX/XX/2020. I'm XXXX years old. And all I asked collection representative ( XXXX XX/XX/2020 XXXX, Ms. XXXX, I would like to change my car payment due date to the XXXX of the month. I was stalled by the rep and told I had to perform extra activities before USAuto Servicing will change my due date. At the time, I initial my sales contract, but my XXXX  was XXXX  due to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/XXXX I submitted a credit application to Citizens Bank, N.A. Shortly thereafter, on about XX/XX/XXXX, Citizens Bank sent me a letter asking for a copy of my state driver license and proof of address. 

On about XX/XX/XXXX I faxed Citizens Bank the documents they requested. The same day Citizens Bank placed an additional hard inquiry on my credit bureau report. 

Subsequently I had to fax the documents several times because it seems Citizens Bank can not afford fax machines that work properly or that lose documents that they actually received. On about XX/XX/XXXX I phoned to ensure the documents were finally received and request information about my application. After 45 minutes on hold, a very abusive and condescending woman told me my application was denied because they are " unable to verify information provided on credit application. '' I believe this woman lied to me. 

The information I was asked to verify was easily substantiated with the driver license copy submitted as well as verification of address by my utility company and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/2019 - HomeDepot closed 2 personal and 1 business cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.

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 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.

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 2018-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX. XXXX.The check was written for mobile deposit. And said oh its blurry and its deactivated and were going to send you a letter. When the check was actually on hold, it was sent back. All of the sudden, Im not able to use citizens bank anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: ATHAS CAPITAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied and got a mortgage from ATHAS CAPITAL located in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2018 and was given a 6-month bridge loan on my primary residence. 
1st complaint is ATHAS CAPITAL during the loan process did not give me a set of disclosure outlining the terms of the loan for me to compare to loan documents. 
The loan had a balloon rider, but also had a 10 % penalty of the total loan amount which equates to {$55000.00} for the being late refinancing. That took away 10 % equity of my home along with a default interest rate of 18 %. This was never disclosed to me or I would have never signed the loan. I also asked for a copy of this from them and told me they did not know what I was talking about. They made me sign disclosures via docusign in which they did not allow me to have a copy as they left out my email. This is criminal. I want a copy of the disclosures I signed for lawsuit purposes and I want to see if they can corroborate the same loan terms in loan docs than in disclosures. 
2nd complaint is after default I was asked to figure out how to refi or apply for loan modification. I immediately filled out loan modification paperwork and 1 month later after the XX/XX/2018 default I was denied the modification due to the fact they do not offer loan modifications and used the time to file NOD. This was deceptive business practice and I want an investigation of this company ATHAS CAPITAL and XXXX XXXX for steering and loan products that produce the stealing of homes of senior citizens. I am a XXXX XXXX XXXX man.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: ALLY FINANCIAL INC.
State: NV
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:
XXXX XXXX is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row ally financial is showing up three times as well

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 2019-09-30
Company: COAST PROFESSIONAL INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a letter from a company called Coast Professional Inc, claiming to be a servicer for the U.S Department of Education. The letter stated that they intend to have my wage garnish because I had not call them to make a payment plan. I found that weird because I had made a {$200.00} payment 2 weeks before on https : //myeddebt.ed.gov which is where I have made all my payments for the past 3+ years. So I called them up trying to figure out the situation. I was not able to get them on the phone for 2 days. Every time i called i was on the line for over 10 minutes and no one picked up. On XX/XX/2019 at around XXXX XXXX someone finally picked up the phone after 5 minute waiting. Their representative made me aware that the call is being recorded, so i decided to record the call as well on my end and made her aware of it. Then she told me that i did not have permission to record the call. I asked her why was it ok for her company to record the call while I was not allowed. She put me on old to speak to her manager and came back to tell me that it was their company policy and hang up on me. I was not able to get someone on the phone after that. I attached the recorded call with this, the conversation starts at 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 2019-09-30
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: Information is missing that should be on the report

Complaint:
Today XX/XX/ I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX****. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/ ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX**** which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/ according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX****. 

- ______________ Conclusion : Account # XXXX**** is missing from my credit report. 
Unauthorized account # XXXX**** is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX**** and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX**** - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

XXXX All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


Thank you, 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 2017-11-21
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2017, Equifax announced that it suffered a data breach. Then they said in the letter, " If you ( I ) believe you were the victim of identity theft, here are some steps you can consider for additional protection ... '' Then they give a bunch of steps that essentially TAKE THEM OFF THE HOOK! There are services mentioning them giving credit monitoring for free for a year. THEN, you pay for it! Why should I pay for monitoring from THEM when THEY ca n't protect the information in the first place? Free or not, how have THEY proven that THEY can secure anything let alone one 's social security number, etc.? 

They are a credit reporting company! My information has been compromised by THEM! They let this happen by not securing personal information. 

Now, what am I supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a credit card with American Express in XXXX of 2021 based on a welcome offer of XXXX membership rewards points. I clicked the link in the email when signing up so there should not have been any issue in applying the offer. I received confirmation, approval, and the cards quickly. I quickly spent the required money to trigger the welcome offer but only received XXXX membership rewards points. I contacted customer service in early XXXX and advised the mistake. I was told that this was an easy fix and would be applied within 2 billing cycles. 2 billing cycles came and went and I followed up again. This time I was told that it was not addressed and they would need 10 additional days to review, they also requested that I upload documentation of the welcome offer, which I did immediately. 10 days passed and I reached out again, I was told that the issue was not resolved and I would need to wait an additional 2 billing cycles. I escalated the issue to a manager and said they are requesting a rush but it would take minimum 3-5 additional days but up to 2 billing cycles. They advised originally that closed the claim because there was no documentation despite never being asked for it. I got no notification of the same and was even told that amex does not have any obligation to respond to these types of inquiries. They even informed me they have. I told them that was unacceptable and I have paid all my required fees timely and they need to honor their end of the bargain. They advised there was nothing that they could do. Even after spending hours trying to get this issue resolved I have no faith that this issue will be handled. It is a simple bait and switch by a major global company, and it is extremely disappointing after being a customer for 10+ years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: EOS Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found this item on my credit report and I did not recognize this company and have never done business with this company. I disputed this account with them directly and I have not heard from or received any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: OH
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 was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed XXXX bad debt ) XX/XX/XXXX. the amount owed is XXXX this company " XXXX XXXX '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX.I have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
When they call they dont answer the call and they call all day long. I havent sign any contact with this company I never had any comunicacin with agency! I never sign any contract or made any commitment with Maury Cobb & Associates! As a consumer by the law on the credit company if I did not sign any contact with this collect this need to be removed from my XXXX report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I entered into a Loan modification with Wells Fargo, it was for 3 months no missed payments to re-do loan and lower payment. In XX/XX/XXXX they ( Wells Fargo ) started the process over and In paid through XX/XX/XXXX. The loan Modification I received is not the terms we agreed to. They extended my loan to 50 more years the payment stayed the same and after 11 years of paying the montage Ive only paid {$22000.00} to total balance? 

During my dispute dated XX/XX/XXXX, certified mail on XX/XX/XXXX wells Fargo dinged my credit 27 points for 60 days late. ( I am not 60 days late ) They and XXXX have been working together to keep my public records inaccurate. They have defrauded me by reporting most of XX/XX/XXXX incorrectly. 

Please see attached for letter I sent them. I requested a WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ), 15 U.S.C. 1692 ET SEQ and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. 

I am asking for a proof of this debt is valid, according to the laws. I can not believe the current loan is at {$220000.00} The responded to me with a 60 day late and a loan pay off total.

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 2018-03-18
Company: YKS Acceptance, Inc.
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On or around XX/XX/2013 I purchased a vehicle from XXXX in XXXX Colorado. Within a week the vehicle had a bad fuel leak and electrical issues. I notified XXXX  of the issues and wanted to return the vehicle, which they refused and said they would arrange for it to be repaired. After being run around for about a month and the vehicle not being fixed to be able to operate safely, I demanded that they take the vehicle back because I was not going to pay for a LEMON that was unsafe to drive with gasoline leaking and endanger my XXXX sons life or my own to operate. The vehicle was returned with less than 100 miles drove ( including from XXXX Colorado to XXXX Wyoming where we live ). XXXX has since reported it as an involuntary vehicle repossession on my credit, and a balanced owed, which needs to be removed. This debt should not be owed because it was sold to me under false pretenses that it was in great working order, which obviously was not and had some quick fixes to sell to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Hello, I had a credit account that was issued through XXXX XXXX XXXX. The account was paid in full and I was told synchrony would reverse any fees generated. The account was notated but fees was not reversed. Reached out to synchrony a year later after seeing a charged off balance and derogatory lates ( 30,60,90,120 days ). Was told that this was a Synchrony bank error and they would contact the credit agencys and get the balance cleared and remove any derogatory information regarding this account. I was also given the option to either retain this account or close it, which I chose to close the account. I have now received a letter stating : account paid in full, was a charge off. Ive contacted Synchrony bank and excelated this issue and no one has contacted me or made an attempt to fix the issue. Because this was a synchrony Bank error the consumer should not be penalized for errors the financial institutions make. When I make an attempt to get ahold of a manager, Im being told multiple times through out the day, that the managers are on lunch or not available. Im asking that this please be escalated and corrected for me please.

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 2021-05-31
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a purchase that I had a transaction with. I opened a dispute since the merchant would not resolve things. After a few days, the merchant changed their mind and refunded me. I went to my bank and withdrew my dispute. Paypal then thinks I was refunded twice and STEALS {$110.00} USD from my account. I called Paypal and they claim my bank got the refund twice. I called my bank and they said this is false. I only got 1 refund and now paypal STOLE the refund money from my account. My credit card statement shows I only got 1 refund.

Company response to consumer: Closed with monetary relief