BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX XXXX, I went to MUFG Union Bank XXXX Branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) and using their ATM for a cash deposit. I counted my cash in the car for {$5000.00} with 50 of {$100.00} bills. I went to the ATM inserted my card, select deposit cash, the ATM states it can take up to XXXX bills, which is exactly the amount of bill. After the ATM received my cash, it immediately reported there's a technical issue and non of my money can be returned. It was after business hours and I tried every number that could contact Union Bank. What amazed me is Union Bank does not even have a 24/7 customer service. More stunning is the customer service does not accept phone calls on Sundays. I was helpless and standing at front of the ATM for a long time. They only offer 24 hours service to their " credit card users '' and the guy refused to assist me because I had a debit card and it was an ATM issue. I'm due for rent and car loan tomorrow. I can't even take the cash back and deposit to my other bank account

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 2019-10-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Citizens bank had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by Citizens which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this Citizens forced me to hand over {$1100.00} or more on an acct that they were tons over  and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/2021 I went to XXXX XXXX of XXXX XXXX to purchase a used vehicle. I was told my credit would be run with them to see if I would be approved for a loan. I agreed. I was not informed that my credit would be run by multiple companies ( listed below ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was approved through XXXX but XXXX XXXX did not disclose that they would send run my credit through multiple companies. I attempted to contact the companies to remove the inquiry but they told me that they are valid because the dealership ran it. I disagree as I did not authorize them to run my credit through multiple companies outside of them.

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 2019-07-29
Company: ERC
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Soon after I turned XXXX, probably about 5 years ago I went to XXXX  and I signed up for a Prepaid phone plan. The plan was not under contract and it was able to be cancelled at any time. I stopped using that phone and I went to another carrier due to the awful service I had been receiving.I have now located a debt collection on my credit report for $XXXX from XXXX. I have NEVER gotten any communication from XXXX telling me I owe this bill, and I have never been given a chance to pay the bill before it was sent to collections and I had no knowledge I even had a bill from them since this was a prepaid account. I have also never gotten any communication from the agency it is with now.I’m extremely concerned that I am being held responsible for this without being given a chance to pay the bill. I would never let a $XXXX bill go to collections and damage my credit report but since I wasn’t given a chance, that is exactly what happened. I need proof that I owe this bill, an explanation as to why this was not communicated to me, as well as an agreement to remove it off my credit report before I pay for it.This is very disorganized and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Car was repossed twice in a month. Just paid over 1300 to get the car back. They had my car for 2 weeks, yet the payments were still going so when i got the car back the payment was due again the next day. I asked could they adjust the payment to the following week or 2 and was refused. 7 days later they came and took the car off private property.

The VIN number shows the car is a lemon and I'd been making payments 3 times the amount the vehicle was worth. XXXX for an XX/XX/XXXX. 


I am not working they didnt have a hardship program. 

I want to sue for emotional trama as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2022, I submitted a dispute to Equifax, XXXX, and XXXX about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXXXXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
While showing that my mortgage is an individual account, the remarks " In chapter XXXX bankruptcy ''. 

I am not, nor have I ever been, in bankruptcy. I contacted opened a dispute with Transunion. The dispute shows that the lender, XXXX XXXX XXXX, confirmed that the information is correct. Please note, it is not. That is supported by NO other creditor marking any late payment or bankruptcy. There WAS NONE.

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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- 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 2019-04-22
Company: ID Analytics, Inc.
State: TN
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:
I applied for a car loan through XXXX XXXX and received a letter in the mail informing of being declined for a loan. Not for my XXXX score which is XXXX, but because of my score from a company called " XXXX '' and their score of XXXX. That is a huge difference in my XXXX, XXXX, and XXXX scores. Who is this company and why do they or should they have access to my credit information and where are they obtaining that score, when all other companies and my FICO score, are much higher?

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 2019-10-15
Company: M&T BANK CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally had a car loan with M & T Bank that was taken out in XXXX of 2013. The car was totaled, and my insurance XXXX paid almost the entire balance with the exception of a few hundred dollars. I advised M & T that my GAP insurance would cover the rest, but they insisted that I pay the remaining balance immediately to avoid being sent to collections. The amount was approximately {$360.00}. I ended up paying out of pocket the remaining balance owed to M & T, they confirmed that the balance was {$0.00} and closed the account. Months later I received a check for the amount that I paid to them. I called them to confirm that the check was accurate and they told me yes. I have been calling to confirm that the balance on that account is {$0.00} and the account is closed. They continue to tell me that the account is closed with a {$0.00} balance and they can not explain why they are still reporting to the credit bureaus that I have a delinquent account.

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 2019-10-15
Company: EQUIFAX, 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:
There are several inquiries reporting on my credit report that was not authorized by me. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses that is reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have noticed this Factoring Company named XXXX XXXX XXXX  is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with XXXX XXXX for this amount of monies I have had a XXXX XXXX card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I tried to transferred {$490.00} ( total charge to my credit card with fees was {$500.00} USD ). 
However, the money never arrived, or could not be received in XXXX as promised. 
Even though, I inquired or called several times the issue was never resolved. 
Then, I tried to cancel using the same online system ( or App ) without avail, and instead I was instructed to call to process the cancellation. 
On XX/XX/XXXX, after I called again I was told that the transaction was cancelled and that I would received my money back. 
But, as of today ( XX/XX/XXXX ) I have not received the funds back. 
Basically, I been given the the run around, and been hand up over the telephone several times, and have felt completely helpless and without recourse. 

MoneyGram Reference Number / Tracking : XXXX Please, help because this has happened several times already, and it is not fair how MoneyGram collects the funds and then takes no action to even let you know that something is wrong ( instead you have to call them! ), and makes no effort to correct the situation ( and, even lies, hands up on you after waiting for ever on hold! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: NJ
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:
I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the XXXX XXXX  who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child on the way and I desperately require moving into a larger home.

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 2019-04-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
American Express Serve is a gangster company perpetrating as a credit card company. This is the second time another company has issued a refund. American Express Serve holds this refund for an average of two weeks. They keep finding excuses for not releasing my refunds. They always blame it on the other company. Both times it is American Express that is robbing consumers. The first time they lied on XXXX XXXX. This time they are lying on XXXX. 
XXXX has released my money ( {$790.00} ). This company stated I wouldnt see it until XX/XX/XXXX. My car note is due today. They keep hanging up the phone on me. These folks are very unprofessional. This company needs to be closed down. American Express Serve employees are taught to lie to consumers. They are taught to use delay tactics in refunding consumers money. Please close this company doors if possible. 
If they are doing a XXXX, a XXXX XXXX XXXX XXXX just imagine how they are doing the average consumers. Something must be done to stop this criminal enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: AVANTE
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was contacted by a collection agency : AvanteUSAXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX the collection letter dated XX/XX/XXXX I was to pay Avante USA {$50.00} for prior original creditor XXXX ; date of service XX/XX/XXXX Account NUmber XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2019 I called First Federal Credit Control Services in regards to medical debt they have from my general practitioners office. My GP notified me that I needed to make a payment arrangement on the bill to continue to be seen. I was not aware of the amount or which one specifically when I called. Apparently there is a few and some are a couple of years old. I have been working to pay them off slowly, I do realize. I spoke to one woman initially who asked what I could pay and I said I could pay {$40.00} bi weekly and she said I was welcome to do so online but this would not resolve the matter as they would only accept 1/3 of the total amount owed today to start a payment arrangement with me. I asked what they would ask for today and she said {$480.00}. I told her I did not have that much to give them right now. She told me that some of my bills were very old, etc. I told her I realize. She reiterated the last time I made a payment was in XXXX. I also said I realize. I asked for a supervisor. She placed me on hold for an extended period. I spoke to a XXXX XXXX who then berated me telling me oh boohoo we all have lives and kids but we pay our bills and told me you better hurry up because you have one minute before I hang up on you she yelled at me and hollered in the phone. XXXX chose to continue to be abusive in her language. I sure hope their calls are recorded. When I asked for her name and if she was even a supervisor she said youre not going to intimidate me I chose to disconnect the call. This is not how business should be conducted. Bill collector or not. I was attempting to set up an arrangement to get this bill in order. I was continually told how much debt there was out there {$1400.00} which in the grand scheme isnt huge. But {$1400.00} when you dont have it might as well be {>= $1,000,000}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I contacted company via Phone XXXX to inquiry about its listing on my credit report. Company claims to be collection on behalf of XXXX, and stated i owe {$510.00}. I informed Portfolio Recovery that all business with XXXX has and had been settled prior to account being closed at my request in late XXXX. I also informed Portfolio Recovery that reporting a debt to my credit, without notifying me is against FDCP and to please remove their listing and provide me with what ever records, statements, and proof that they may have. To date i have not received any further correspondence, records, statements, phone calls or proof that i owe any such bill. Company continue to verify listing as accurate when it is not.

Company response to consumer: Closed with explanation