BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-13
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches do not take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( https : //get.moneylion.com/XXXX ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. The contact info on the www.moneylion.com website is also inaccurate, since the phone # disconnects upon transfer and the e-mail has since been replaced by a ticketing system that makes it near impossible to file a support request. 

I deposited {$3500.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$3500.00} was processed on XX/XX/2019. On top of that I went above and beyond the bonus requirements and even had a third direct deposit of {$3500.00} processed on XX/XX/2019 and kept my ALL funds in my account for over 100 days without withdrawing any money. I have met the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy and credit my account {$590.00}, which is 17 % of of initial deposit of {$3500.00}. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The banking fees went from {$17.00} per incident to {$37.00} plus {$28.00} per incident. These fees were all incurred in 2019, XXXX {$130.00}, XXXX {$170.00}, XXXX {$210.00} ( refund of one fee  of {$37.00} XXXX, XXXX {$220.00}, XXXX {$140.00}, XXXX {$140.00} in addition to the {$5.00} per month service fee ( along with the {$5.00} per month service fee charged on my daughter 's " free student checking '' account ) and the bank continues to charge fees when they closed my account. 

The fees are out of control, this is one of this banks ( most likely any banks ) largest source of revenue ( in the top 3 ) and is up to 20 % of their revenue. They are gouging consumers ( similar to ridiculous interest rates back in the XXXX XXXX - APR 's of up to 40 % ). Why isn't this being regulated? Consumers are strapped with housing prices and inflation far exceeding the wages earned. 

I will also be seeking guidance on a class action law suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: OneMain Finance Corporation
State: TX
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:
In accordance with the fair credit reporting act XXXX  account, has violated my rights.

1

5 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is $XXXX and was transferred to Select Portfolio Servicing, Inc @ 8 months ago. I always split my mortgage into 2 payments $XXXX.I kept receiving calls from them and did not understand why! Customer service said 1/2 of my payment was returned.For the month of XX/XX/XXXX, I have attached copies of my payments paid by XXXX XXXX, including statements circled and showing my payments deducted. I reached out to XXXX XXXX and was informed that my payment did not return. Which I already knew because the funds were deducted. XXXX at XXXX , and I both reached out to the bank returns processing department and they also verified that the check did not return and I have attached copies of checks.Select Portfolio said the last check dated XX/XX/2019 was returned by my financial institution  and mailed me a letter stating that they reversed the payment. (Attached)They did not want to accept what I kept saying.Finally I contacted customer service and got some sensible and was told to send copies of XX/XX/XXXX payments and statements. (Attached)The last call I received was XX/XX/XXXX.  Select Portfolio have not fixed the mistake they made and I've been calling everyday. My mortgage is still outstanding. My credit report has Been notified that I'm passes 30 days late and my credit score has decreased.Today is XX/XX/XXXX. Select Portfolio have not fixed my account.  They have requested my proof twice and I have faxed it over but everytime I call, I get the same bull. We are waiting for the credit department to fix it. I am awfully upset and already tired of this call center and plan to refinance soon as they fix my account. I want away from this place as fast as possible. Everybody working but no one know what's going on.I have enclosed copies of my mortgage payments for XX/XX/XXXX.$XXXXcleared XX/XX/XXXX (see statement)$XXXX cleared XX/XX/XXXX (see statement).Please assist by making this call center, not a real bank, post my payments correctly and accordingly and fix my credit report back immediately.  Its does not take this long to adjust an account. My bank said they have no ideal, why they sent me that letter because they did not return that check and both checks were infact paid and there has been a mistake on their part. Somehow somewhere, someone has my $XXXX which was paid by my bank. I gave more than enough time for the cashier department to fix it especially after they said they received all the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had two prior accounts with Huntington that were charged off. I paid them both off and was advised that upon paying those accounts off I could still open a new account. I waited the waiting period after payments has posted and attempted to open the account. I was denied but they could not tell me why and advised I call customer serivce.I sat on the phone with customer service for them to tell me the accounts were paid and to go back to the branch and speak with someone else. 
I have been to the branch twice and still not resolution and still no account after being told they could also just reopen my last account. I am requesting that an asterick free checking account along with the savings account be opened per what I was told by agency management as I have done everything as requsted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am promised accuracy on my consumer credit report by federal law. Im making secindattempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove the following accounts XXXX XXXX XXXX XXXX, amount {$2500.00} A total of XXXX XXXX XXXX XXXX XXXX amounts {$1300.00}, {$3100.00}, {$3800.00}, {$3800.00}, {$7600.00}, {$1300.00} {$4900.00}, {$5900.00}, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX Account XXXX amount {$570.00}

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 2023-06-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX. Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 to ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2017-12-10
Company: United Resource Systems, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Already sent me a letter promising in a green that they had no legal grounds to charge me for a collection on a missed appointment with no paperwork signed and simply just bought the debt with the assumption of guilt. It is important that the XXXX enforce the laws against such shady places that were promised to remove it from my credit and never do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Mobiloans, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has contacted my personal phone, and my employers phone 6 to 7 times a day each. it has been asked on numerous times not to call my employer because I can not receive personal phone calls at work. a gentleman on the phone that calls is using abusive language, arrogant and demanding information from both my employer and is discussing what the debt is

Company response to consumer: Untimely response
Consumer complaint received 2017-02-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage acquired my home mortgage from XXXX on XX/XX/2016 after I made my XX/XX/XXXX payment. I was not notified of this until early XX/XX/XXXX via a letter from Nationstar dated XX/XX/XXXX which I did not receive until XX/XX/XXXX. The letter said I had a XXXX day grace period to make my first payment to them. I made my first payment on XX/XX/<YYYY> They reported my first payment as XXXX days past due and because of this I do not qualify for Harp. I have made repeated requests that this be corrected and they just send me letters saying they are investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Funds were removed from my account at time of purchase from merchants, but the balance in my account fluctuates as they are posted. On XX/XX/XXXX at XXXX I made a deposit into my Chase checking account successfully bringing it out of overdraft. That same day around XXXX I discover that new transactions have been posted, pushing my checking account back into negative and I now have a {$34.00} overdraft fee.When I called Chase and spoke to a manager he told me that the funds could be reversed at a branch if I had a screenshot on my phone of my account being positive at XXXX on XX/XX/XXXX, which I do not have. This was a bank error, I need this overdraft fee removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
InQuire that I didnt know about and collections thats not mines

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 2017-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Card was issued and began reporting to credit bureaus on or around XX/XX/XXXX. As of XX/XX/XXXX this card is in default in the amount of {$2600.00}. This card never should have been issued due to previous credit history of Chapter XXXX bankruptcy in XX/XX/XXXX. Summons and compliant was issued in XX/XX/XXXX and served on XX/XX/XXXX. It is unclear from this documentation how much of the consumer debt at issue is amounts spent versus interest and penalties accrued on the card. The issuance of this credit account appears predatory in nature given the fact that the account was issued only a year after bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Information belongs to someone else

Complaint:
I did not authorize these inquiries, and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2017-12-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX am reporting a deeply serious complaint against the entity of XXXX XXXX XXXX XXXX XXXX, collections agency regarding there gravalicious and phony debt recovery approach in relations to a debt that has long, long ago reached it 's maturity date. 

XXXX XXXX XXXX XXXX XXXX, and it 's shared affiliates unscrupulous approaches to recover a debt that was originally taken out for {$2500.00}, between the year XX/XX/XXXX, and XX/XX/XXXX has long been updated and removed from all three major credit bureaus, through multiple disputes regarding many unfair charges etc. And therefore, such, debt has no genuine merits for any types of collection recovery etc. 

In addition I vividly remember filing multiple disputes to have this debt removed particularly from XXXX, files which was done two to three months before its removal month and year, with that being in the month of XX/XX/XXXX, and which was shared with me by a live customer service representative person on a called in over the phone through my initials of verification etc. 

In my closing out now, and complete analysis regarding XXXX XXXX XXXX XXXX XXXX, and whether there acting solo, or in connections with it 's counterparts to collect on a debt that has long passed it 's statues of limitations, and that has long been exhausted on it 's recovery time frame which would surely be deemed as extortion 's, ugly conspiracies to entrapment 's, tactics of manipulations, major monkey businesses, along with ethical fallacies, rhetorical fallacies, and rationale fallacies which many, many consumers in the business world and societal marketplace would deem such disturbing actions as non de minimis, and which is for surely reprehensible at all major levels etc. 

In further, I am quiet frankly, appalled and incredulous by all these criminal activities by XXXX XXXX XXXX XXXX XXXX, and it 's affiliates which are deeply troubling, and deliberately deeply disturbing, and with deeply intentions of culpable negligence. And as such, this entity and it 's affiliates whether they 're again, acting solo or not should be held accountable and responsible for all their collective despicable actions for trying to take advantage of me, and perhaps many other potential consumers in the marketplace etc. 

These types of phony business conduct causes debt restart on debts that has long been eclipsed in the societal business world and marketplace which causes many other major effects unjustly on many consumers etc. And as such, I implore for all body of governments, and all entities of consumer watch dog groups to reward XXXX XXXX XXXX XXXX XXXX, and it 's acting affiliates with stiff penalties of justices at all major levels in general etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Due to my understanding XXXX XXXX XXXX TransUnion drop my score by XXXX incorrect information being reported unlawful including XXXX XXXX  XXXX they supposed to delete that from my credit report XXXX TransUnion XXXX refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity personal information

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 2022-09-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: WELLS FARGO & COMPANY
State: NV
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 a closed Wells Fargo credit card account that was charged-off in XX/XX/. Wells Fargo wrote the balance off as bad debt and completed form 1099 after the account was charged-off. Since the charge-off, Wells Fargo continues to report a past due balance on the account in addition to reporting a new charge-off monthly. I feel that Wells Fargo is intentionally damaging my credit history and that my rights as a consumer are being violated.

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 2021-03-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and it has not been corrected. The account with XXXX XXXX is still reporting wrong on my credit report. The account is closed. The account has been closed since XX/XX/2019 However, the account payment status is 60 days late. The account payment status CAN NOT be 60 days late on an account that has been closed for a year and a half. The account status is wrong. The account status should be closed. It clearly states closed in the comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: MS
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:
I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.

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 2017-02-14
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX for many years. Payment was automatically withdrawn from my account every month. Nationstar Mortgage purchased my loan from previous lender and stopped withdrawing funds from my account in XX/XX/2016. 2 months later I got a certified letter in the mail stating that my loan is in default. I immediately called and paid outstanding balance and set up automatic withdrawal again through my checking account. 
Nationstar reported me and my wife to credit agencies as being late even though they promised not report since payments were not discontinued by us and balance was paid in full as soon as we received a letter. 
Since then we requested to have negative reporting removed numerous times but no action was taken by the bank.

Company response to consumer: Closed with explanation