BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. 

My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
XX/XX/20 - Sent {$2200.00} plus finance charge of {$88.00} via Walmart 's moneygram. 
Followed procedures online Received an email XX/XX/20 @ XXXX XXXX   ET stating the transfer was sent successfully and that the receiver can collect $ at the expected designation ... .was given a reference # for the receiver. 

Contacted receiver who was in Maryland that she could proceed with trip to XXXX, PA the next morning and find a Walmart in XXXX, PA to pick up {$2200.00}. 

Receiver arrived at Walmart early XXXX. and was told that the transaction was on hold. 

I contacted Moneygram per the Walmart Associate and Moneygram quizzed me on why I was transferring my money, to whom it was going and for what purpose. I explained a friend was transporting a new puppy from a Breeder in XXXX, AL and delivering cash. I found the puppy the day before and realized friend could pickup soon and delivery to me in Georgia on XXXX. Sent $ for puppy and to cover friend 's travel expenses. Moneygram quizzed me on how long I've known my friend. 

Moneygram decides to cancel transaction and refund my money, but it would take another 3 to 10 business days. So, my friend had to take money out of her account and I had to reimburse her by taking more money out of my account on XXXX. 

Walmart/Moneygram - stated this transaction was received and $ available. They caused undue stress ( and during COVID!!!!! ) and falsely led us to believe that all was handled. 

I hope this does not happen to any others!!!! I feel my rights were violated and their advertising was false. Why didn't they ask these questions upfront before taking and holding my money? I still do not have the funds released. Our bank, XXXX XXXX, is aware and we are waiting to claim fraud if they money does not come through along with the finance charge. 

Please help! 

Thank you!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX and the Creditor XXXX Ally Financial XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature

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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from transunion to dig further into why I may have  not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from TransUnion on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.

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 2021-09-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed an agreement with Comenity XXXX XXXX to pay {$4500.00} over an 18 month period with no interest charged. i understood that it needed to paid on time to not be charged interest. I then set up an online banking monthly payment plan with XXXX XXXX whete check went out 8 days to due date. 

Payments started XX/XX/XXXX with last payment set up for XX/XX/XXXX. I checked all my online payments monthly on my bank website and everything was sent in time and came out of our checking account. Our problem started when we returned home from 3 mos in XXXX  and received a bill at our XXXX  address and it looked there were missing payments. I was never told by the customer service representative that a payment in XXXX was not received. This rep then went on to give us incorrect info. 

I then realized the POffice never sent our Fl Bills, so we called back to find out exactly what was wrong and spoke to 4 different supervisors that told us to send in proof of payments from the bank and they would open a dispute. we did this and sent in checks proving that XXXX sent all payments out on time and they were cashed by comenity health plan. 

We never received the promised call backs and five times the response from their website was always the same open a dispute and send in cancelled checks and the would contact XXXX. 

Now we are receiving phone calls from their collection dept that we owe all the interest. We proved all our payments were made and sent out on time by the bank. It looks to me as if this one payment that they claim was lard in XX/XX/XXXX was sent in the same as all the others 8 days in advance and came out of my checking then. Not sure what happened. but all my payments were submitted by my bank on time. Proof was submitted by us a nx nominee we got back to me. Terrific customer service that gave me incorrect info every time I called. 

I am XXXX years old and have perfect credit and this is making me ill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05
Company: E. A. Uffman & Associates, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX XXXX XXXX ( XXXX ) Failed to bill XXXX. In fact, according to XXXX from the XXXX Insurance provider XXXX XXXX not only failed to bill XXXX via XXXX, XXXX never even bothered to contact XXXX to become set up in their system to receive payment. And according to the XXXX XXXX Plan which administers XXXX, under State and Federal law it is unlawful to bill a XXXX beneficiary for any medical service without any attempt to bill the beneficiaries federal XXXX insurance or notify the beneficiary before a medical procedure that XXXX insurance will not cover the procedure, neither of which XXXX did prior or after the {$65.00} procedure. 

In this case, both the XXXX provider ( XXXX ) and the XXXX XXXX ( XXXX XXXX XXXX ) state the {$65.00} services would have been covered by XXXX had the Medical provider XXXX bothered to contact XXXX to be set up in their billing system and then submit the medical codes for the services. 

XXXX : XXXX XXXX, XXXX : XXXX XXXX had all of my XXXX information prior to service, which was for a physical assessment after wrist XXXX resulting from a broken XXXX after hit and run by automobile while I was visiting XXXX XXXX and was a pedestrian on the shoulder of a residential street without sidewalks near the lakes around XXXX. 

Further, I contacted XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, LA ( XXXX ) XXXX before I left the state of XXXX to make sure they had my XXXX ID number and all of the necessary information to bill XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/20192019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TD Bank has a {$3.00} fee for using an ATM that is not owned by TD bank. They also charge a {$3.00} fee for balance inquiries on non-TD ATMs. 

On XX/XX/XXXX, I used a non-TD ATM, understanding that I would pay a {$3.00} fee. However, TD Bank charged me both a {$3.00} fee for a withdrawal and a {$3.00} fee for a balance inquiry despite the fact that this was a single transaction. 

I sent a message through their online banking website and received an answer indicating that they had not read my complaint. On XX/XX/XXXX I called the customer service line and gave up after a 20 minute hold time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, 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 2018-02-22
Company: EQUIFAX, INC.
State: FL
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:
Equifax is reporting inaccurate information on my credit report. I received a letter from equifax stating that XXXX XXXX XXXX   account # XXXX is reporting never late never repossessed. Well I checked my credit report and they are reporting late payments and the remarks says redeemed repossession. This information is incorrect and equifax is in violation of the FCRA federal law. This account is an installment loan equifax is reporting the account as a credit card account that is inaccurate and proves they have not verified this account, they are also reporting that I owe {$15000.00} the correct amount is {$14000.00} and the account is reporting as closed when its an open active car loan! If this issue isnt resolved and updated I will file a lawsuit against equifax for illegally reporting inaccurate information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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:
According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I sent a written Dispute to Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX by Certified mail on XX/XX/2021 regarding my Lowes Credit Card. 
I have not received a response after 60 days as agreed in my credit card contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX, Synchrony Bank has failed to remove two inquires from my XXXX Credit Report as advised on correspondence from them to date. 

I received a letter from XXXX XXXX which advised that they submitted requests to have the following inquiries removed : SYNCBChevron DC XX/XX/XXXX SYNCBTJX CO Dual Card XX/XX/XXXX The letter stated it could take 60 days, however, the inquires have not been removed to date. 

The letter that I have attached that was provided by Synchrony bank advising that they have requested removal was sent to XXXX by uploading to their website and they haven't removed to 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 non-monetary relief
Consumer complaint received 2020-11-12
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
US Bank has a card called relia card, its for unemployement benefits that is provided by the state to collect benefit payments if you dont have a account for direct deposit. Fraud was made with card, which is not banks fault but no security method in place to avoid it. Called multiple times to advised card not received and was never advised card was activated and used. Only became aware of fraud when 3rd card was mailed as expedited when was previously advised this was not an option and when i called to activate card it had XXXX balance from a benefit deposit of almost XXXX. All activity on account is suspicious as in amounts and transactions. They advised account was blocked due to suspicious activity but someone called and removed block. At this point im not sure what security verification was preformed but if it was basic informatio you would think the person commiting fraud already has it since they activated and used card to start with. At that point as a customer i expect bank to take high measures to protect my money. A dispute has been raised along with police report for identity theft but no resolition or money has been returned. I also requested a copy of statements for the detective and the bank sent a statement with wrong account number listed causing the investigation to slow down. This had been a headache and hardship on my famiky that has had XXXX income since pandemic hit and i counted with this money. I did not benefit in anyway from these funds and feel the bank is responsible for not taking security action to protect my 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 2020-10-13
Company: Nelnet, 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: Information belongs to someone else

Complaint:
Here are the pics for compliant : CFPB # XXXX  XXXX XXXX  XXXX XXXX XXXX I forgot to attach the pics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have used the XXXX XXXX to help me get extra cash while I have been caring for my XXXX father, as well as having XXXX XXXX issues that have made me miss work. 

PNC Bank will not let me connect my account to the XXXX app, making it impossible for me to withdraw funds that I need to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with someone named XXXX at XXXX. XXXX. When I told him that I don't agree with the debt, he told me I could either pay now or wait until judgment to dispute it in court. His exact words were, " I don't think the bank would make this up. '' When I referred to him as a customer service representative, he stated that he is a part of a litigation firm, inferring that he was an attorney, which I don't believe to be true. I was never offered a letter outlining the dispute and was given the impression that my only option was court or a payment plan. Additionally, the debt has passed the Ohio statute of limitations, therefore, suit can not be filed although he claims that such was happening. He was extremely rude and nasty, to make matters worse.

Company response to consumer: Closed with explanation