BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-18
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Back on XXXX XXXX, XXXX, I purchased a money order for XXXX and cents at a store XXXX XXXX in XXXX XXXX WA XXXX When I paid in full cash, they gave me two money order. One was for {$500.00} even and a second for XXXXwith cents. I immediately, noticed that the money order for {$500.00} paper felt different ( thinner ) than the other with the amount of 290.with cents. I did n't say anything to them and left the store. like about two weeks later, my land lord where I live sent me a notification stating that the money order for {$500.00} according to his bank ( XXXX ) did not go through. My first reaction was to go back to the store but the cashier said that they could n't do anything about it and to contact the Western Union customer services. So I did, and Western Union representative suggested me to complete the receipt of the lost money order and that it was going to take up to 30 days to get a response. About 3 weeks later, Western Union sent me a letter with two copys of same money order 's tracking number stating, that the money order was attempted to cash two times. First money order copy that Western Union sent me back was not endorsed and was cashed on XXXX/XXXX/XXXX and paid to an unknown receiver. The second one, was completed by me endorsed to XXXX XXXX XXXX XXXX which was my landlord and was returned on XXXX/XXXX/XXXX. In the letter, there was no information whatsoever of the name of the person or company who cashed the money order. So I called back again to Western Union without any responses from their end to help me identify the person who cashed my money order instead, they would keep on saying " a letter has been sent to you back on XXXX explaining you what happened to your money order. '' Or " you have to check with your landlord and his bank ( XXXX ) and have then call us '' which I did. But they ( XXXX ) also said that they never cashed the money order. With the help of a low income legal law services, my situation was escalated to a case. The person who was helping me was able to identify that the money order that was paid was actually deposited through a phone app. Last thing I heard from this office was that my money order was probably deposited in a XXXX in XXXX. Since then, No one has helped me to identify who cashed my money order. Like never in my life I have felt so hopeless in a situation like this. I have copys of money order and the letter that Western Union sent me upon requested.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: PA
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:
All inquired on XXXX are incorrect I have called customer service and they refuse to help. After there system failure all inquiries are incorrect and not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company " XXXX XXXX XXXX '' calls multiple times daily starting at XXXX. I have consistently told them to remove my number from their calling list due to the multiple calls. I eventually blocked the number, however they continue to call from " Unknown '' numbers this time around XXXX Est, they continue to leave voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Genesys National Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Complaint Number : XXXX XXXX XXXX XXXX XXXX about collection of debt without a written notification Complain Number : XXXX XXXX XXXX No receive of written notification before send the account to a collection and also the possible use of personal information The complaints was submitted by telephone call with a customer representantive at XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted Transunion via phone on XX/XX/19,XX/XX/19,XX/XX/19 and sent a letter via certified mail on XX/XX/19 regarding the inaccuracies that are being reported on my credit report. I have been a victim of identity theft and the information that is being reported is not accurate. I am upset that the information that is being reported inaccurately has not been 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 2017-11-18
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal paypal account 2. buying and then paying with Paypal Credit , which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " paypal credit '' you are basically applying for a paypal line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my paypal account, it immediately showed that I now had a line of credit of {$7500.00} with paypal. I emailed paypal and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from paypal, which did not address my concern. So I call paypal. They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit ( note : this happened after paypal 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX  Bank/PayPal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX Capital one, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXXXXXX XXXXXXXX XXXX  , Capital One Auto Finance, XXXX XXXX XXXX XXXX XXXX. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
3 accounts for XXXX XXXX XXXX ( XXXX ) appeared on Transunion credit report ... .I have never had this service ... .I have contacted Transunion twice as well as XXXX via mail and fax ... ... I have yet to hear back from XXXX ... how is Transunion verifying these accts? If they are not responding to me they are not responding to Transunion either ... there has yet to be a comment added that these accounts are in dispute on my report ... I am 100 % sure that they are not conducting proper investigations as required by law

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 2017-11-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account was open without my authorization Identity fraud. This account Must be Removed Fraud. Thank you

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 2020-05-01
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My vehicle is with XXXX XXXX XXXX  my payments have not been reported to any credit bureaus since XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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:
Experian should not be reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. I never received any bill from XXXX XXXX XXXX. I contacted the bank and they informed me that I enrolled in paperless statements and I never enrolled in paperless statements and therefore was not aware that this account even existed and any payment was due. XXXX has removed this item completely and is reporting correctly. Please remove this line item from Experian. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-08-26
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The person who processes credit card disputes at PenFed does a terrible job. In XX/XX/XXXX-XX/XX/XXXX, I had several disputes with a Utility company that was charging my credit card for another customer 's utility bill - the disputes person at PenFed did not process the case in time and I lost several hundred dollars. 

Last year, I had fraudulent charges from an airline on my credit card. Once again, this person delayed the processing of my disputes and then closed them out as being late ... even though I provided all the documentation in time and she sat on them for weeks until it was too late. Once again, I lost over {$100.00} this time around. 

Now I have submitted two disputes and I am worried that they also will not be processed correctly. 

I love PenFed, but I simply don't use the credit cards because I am afraid that this person, and PenFed, doesn't have my back on the rare occasion where disputes arise with merchants.

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 2018-09-13
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a payday/installment loan from XXXX XXXX ( also known as Bluechip Financial ) around XX/XX/2018 in the amount of {$800.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. The only information that I am able to view when I log into my account is the next payment due amount and current payoff amount. As of todays date- the current payoff amount is {$980.00}. I have been making bi-weekly payments of {$150.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, and XX/XX/XXXX18. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter 17 of Title 16 of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stating that i owe a debt that is not mines I am the original creditor Violation of rights sold information to third party

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. I was never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification as part of Mr. Cooper 's short sale process on XX/XX/2019. I received an email message on XX/XX/2019 saying some documents were missing. I called and left a message with our designated loan specialist on the XXXX. When I did not receive a call back, I sent an email on XX/XX/2019 explaining the requested documents did not exist, or had already been sent. I called again on XX/XX/XXXX without a return call. I resent an email on XX/XX/XXXX, explaining the documents requested by Mr. Cooper to proceed with the loan modification/short sale have already been sent, or do not exist. I did not pay the mortgage on XX/XX/XXXX. I also missed the payment due on XX/XX/XXXX. I have still not received follow-up information about the loan modification/short sale process, but I have started receiving phone calls from a number registered to Mr. Cooper. On XX/XX/2019 I received one call, with no response on the other end when I answered. On XX/XX/2019 I received three phone calls, none of which had responses when I answered the phone. I have been answering the calls, in hopes of resolving the issue. They continue to harass with calls, without responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Santander Consumer USA 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 saw on the news about a data breach with one of the stores I shop at a lot. It alarmed me and caused me to check my credit. When I pulled my credit I noticed several things on my report that looked strange. After further looking, I discovered several things that are not from me. I have completely no idea where these things came from and would like them taken off. I reached out to the FTC and police in my city also. These need to be removed : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, 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 explanation
Consumer complaint received 2017-11-18
Company: Utah System of Higher Education
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dates starting the day XXXX assumed all 4 loans on XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX all monthly payments were not applied towards all four accounts specifically when I paid online. Loan servicers did not handle payments and process borrowers ' instructions in a that facilitates successful repayment, minimizes costs to me, and ensuring consistency. Payments initiated on XXXX online platform should be accuraltely credited as of the date I initiated the payments. As I stated from XX/XX/XXXX to XXXX, the four multiple loans have different principal balance and are listed as one group account.therfore on my monthly statements I should see a breakdown of each of the loans outlined showing principal balances, payment, principal, interest, and ending balances of what I specifically paid toward each loans including all overpayments. I specifically instructed those idiots on XX/XX/XXXX that every month there 's an overpayment on all specific four loans, and it to be applied towards the outstanding principal balances each month. I expected those incompetent idiots XXXX servicers to post payments correctly. Since the loans that have the same FIXED interest rate ( 6.8 % ) and the same subsidized and unsubsidized status, each excess amount should be allocated in the proportion to their monthly payment amount and the overpayment as instructed specifically to applied to the principal balances each month. XXXX, has been changing all four outstanding principal balances, monthly payments, and interest each month. My monthly payments are fixed therefore the only thing that changes is the decrease in principal balances and decrease daily accrued interest. All loans have been paid on time each month until XXXX SERVICERS started making adjustments to all loans by removing payments from going as far back to XX/XX/XXXX up to this date. I always made monthly payments on all four loans. Attachment and other documents will be attached and along with the correct balances after XX/XX/XXXX payment. I instructed XXXX  SERVICERS to change my expected payoff date to XX/XX/XXXX once XX/XX/XXXX payment of {$460.00} is posted correctly to all four loans. That was not done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, 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'm trying to buy a new house ; so I had my credit checked just to see where I am credit wise. I noticed several things on my report that are completely foreign to me. A FTC and police report have already been made. These items are not mine and need to be deleted. USDA RUR DEV, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy.

Company response to consumer: Closed with explanation