BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: Circle Internet Financial
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent a friend of mine {$150.00} on one transaction and before that {$25.00} they locked both people 's accounts that I sent the money to with the money still in the account after the friends try to get back in the account or get a refund of the money they either didn't respond or kept saying that transactions can't be cancelled set that they needed to click a lost password link which never came to any email of theirs and they have never give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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:
Trans Union continues to published XXXX XXXX XXXX XXXX on credit report. I've sent certified letters and continue to place on the credit report.

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 2022-07-20
Company: Genesis FS Card Services, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
There are a number of poor business practices involved in this complaint - On XX/XX/XXXX I was charged two fraudulent charges from a gas station in XXXX XXXX ( not my charges, haven't been to XXXX XXXX in many years )- I call and report the fraud in XXXX, they say they are working on it and issue a new card number - Month or so later I receive a later saying the issue was solved - The company then continues to send me letters displaying the balance with the fraudulent charges ( {$240.00} ) - In late XXXX I call and confirm that there should NOT be a balance and request to close the account. They again say there is no balance and they are closing the account. 

- In XXXX, I get another letter referencing the balance. I call to make sure account is closed and there should be no balance. They say no balance and takes a month or so for the account to " reflect as closed '' - XX/XX/XXXX, I get another letter referencing the balance. I call XX/XX/XXXX. I talk to a gentleman at first who keeps saying " Sir '' and pretends to not be able to hear anything, then I'm transferred to an " Account Mgr. '' who isn't much better. She eventually says, that there is a balance but it is not collecting interest and that the investigation/dispute of the fraud is ongoing and that investigations are resolved in 30 to 90 days ( it was been 5 months at this point well over the time period ). I they have no idea when the investigation will complete. There is no way for me to contact the fraud department. I hold on the phone for XXXX  mins for a manger who never comes on the phone. I just want nothing to do with company and to close this account and never hear from them again. I have never had a fraudulent charge from any other company and when I close other accounts, it is done and I don't have to worry about it anymore. I have no idea what this offshore company is doing with my information. It's bad enough I was a victim of fraud, but there completely incompetent resolution process makes me incredibly nervous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Account Control Bureau
State: LA
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:
In XX/XX/XXXX, I disputed an account on my credit report directly with XXXX, XXXX  and XXXX   concerning an account with Account Control Bureau. At that time, Account Control Bureau sent me a handwritten letter stating charges from an apartment complex. This document did not contain my signature or any way showed any evidence that I agreed to take responsibility for this account. On XX/XX/XXXX, I sent Account Control Bureau a certified letter asking for debt validation of the account including a contract with my signature from the original creditor and proof that they are legally able to collect this debt. The certified letter was received by the company on XX/XX/XXXX. I have not received any response from the company concerning my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
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 status incorrect

Complaint:
I have been unemployed since XXXX of XXXX and filed a forbearance request with my mortgage lender, XXXX XXXX XXXX. I received a letter from the lender dated XX/XX/XXXX detailing my temporary hardship forbearance plan. I followed up with a phone call in order to confirm the information in the letter. The representative from the processing company, XXXX, confirmed that the plan was approved and no payment was due until XX/XX/XXXX. I was told I would be contacted to discuss re-payment options at the appropriate time. 

On XX/XX/XXXX, I had not received any communication from the lender so I called to get a status on my loan. I was told that the loan had been transferred to another servicer, XXXX, and the paperwork had not been fully transferred over to the new servicer so they would be in contact. In XXXX I began receiving letters that my payment was late so I called back to find out why I was receiving the notice. I was assured that it was sent in error and not to worry as it would not affect my credit. 

In the ensuing weeks, I called repeatedly, ( no less than 10 times ), and was given the same explanation and the notices continued, including a notice that the load was not in default. Last week, I received a notice from the credit bureau that my score had dropped 38 points because of this issue. I contacted the lender and was told they would correct the issue on call me back on Wednesday, XX/XX/XXXX. 

I have yet to receive a call back and the issue has not been resolved. This company, XXXX XXXX XXXX, has been completely negligent in how they have handled my account and have completely ruined my credit in the process. 

Your assistance is greatly 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 explanation
Consumer complaint received 2021-03-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX @ XXXX XXXX I received a Text massage call via my phone ( Hi this is XXXX from XXXX XXXX (? ) Delivery Service calling with an urgent message regarding a delivery for both XXXX (? ) XXXX. Please give us a call to our toll free number well provide you with full detail about whats been deliver and help you reschedule. Also due to the COVID-19 is that were doing courtesy calls before sending anything out. Im. ) I received a voice mail also saying that the Reference number is XXXX and to call XXXX. 

I called the number and was informed that I had a Balance due on a XXXX XXXX  through XXXX from XXXX to XXXX and XXXX XXXX was handling this account and that I had made Payments, I have never had a XXXX XXXX nor have I ever Singed anything authorizing the use of a XXXX XXXX account and I made no such Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2016 I went to KIA of XXXX, Al. to see if I would qualify for a 0.0 % interest deal KIA Motor Finance was offering. I told the sales associate ( XXXX XXXX ) that I did n't want them to run my credit at that time because I wanted to check with my credit union first. I told him I had been to a different dealership at the beginning of the year and was shocked to be notified by my credit monitoring service of a half a dozen hard hits on my credit report. I did n't want that to happen again. He assured me they would not " shop around '' my loan. I went back to the KIA dealer the next day and told the sales associate again, and the sales manager ( XXXX XXXX ), that I was only interested in finding out if I would qualify for the 0 % offer through KIA Motor Finance ( KMF ) and that, if I did not, I did NOT want to pursue any other offers. I told them why. I told them several times : " Only KMF '' and was assured by both of them that they would not shop it around. I was clear and unambiguous. I made sure that there was no misunderstanding. They lied to me. I got approximately XXXX hard hits on my credit reports from the various credit reporting agencies as a result of KIA of XXXX ( and/or KMF ) completely disregarding my wishes and instructions. I talked to the dealer and they said call KMF. KMF said talk to the dealer. I contacted one of the credit reporting agencies to see if all but the inquiry from KMF could be removed. I would have to have a staff of people to jump through all the hoops they said I would have to in order for that to happen.

Company response to consumer: Closed
Consumer complaint received 2019-03-14
Company: CRESCO CAPITAL INC.
State: IL
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:
I was told my lease company XXXX XXXX ( cresco capital ) reports my business credit to paynet. I attempted to get a rental truck under my business and had to fill out an app for it ... I was told they use paynet. The app was decline due to not having credit history ... I asked for my paynet ... it shows no signs of XXXX XXXX  or cresco capital ... i call XXXX XXXX ... I now find out that they are reporting in my first and last name ... all one word ... so basically this account will not be found unless u know its done this way ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar bank is refusing to remove pmi after paying down balance to 79 % loan to value owed. Will not use appraised value from XXXX and trying to make me pay for a brokers opinion fee. Was told it would be handled in 3-5 days but they continue to just resend my request to processing which takes 14 business days every time instead of just removing the pmi.

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 2019-03-14
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
See thru XXXX XXXX that XXXX is showing a debt ( XXXX doesnt have this on their report ) from a company called XXXX XXXX XXXX for XXXX in the amount of {$640.00}. I have disputed this on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as a debt I dont know about. Never once have I received written notice or a phone call stating I have this debt Im trying to improve my score and its the only thing showing negatively on my report. Says this was opened in XX/XX/XXXX. Again I am not aware of this as I have not gotten any information on it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BILL.COM, LLC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
i participated in XXXX XXXX, a program that gives people money for moving to XXXX, and they recently changed the vendor that they use to send monthly stipend ( money ) from XXXX Payment to XXXX. Every at the end of the month for the past 11 months, i have always receive my money on time, until recently and after they changed to XXXX, out of the blue XXXX raised a case where they claimed that they cant verify my identity and they demanded me for documents about myself and the bank account that i previously used to accept money. 

I replied by uploading pictures of my driver licenses, utility bill, and a statement of a new bank ( XXXX bank ) that i use, i also told them i do not have access to my previous bank account as its already closed thus i can not provide them with the statement for the old bank ( XXXX bank ) i have raised the case but the XXXX Risk Operations team seemed to be illiterate since they kept asking pictures of my driver license which i already provided, and out of the blue they asked for 3 other accounts that they never mentioned before, and worst of all, it takes 1 day for them to reply to my case and their replies are not clear at all, it is very obvious that they are wasting my time and holding my money XXXX for no good reason other than " risk ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: BARCLAYS BANK DELAWARE
State: VA
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:
My Credit was ran with this company without my permission.

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 2018-02-03
Company: Experian Information Solutions Inc.
State: OH
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:
I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.

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 2021-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good day, I sent a XXXX  payment to wrong recipient by accident back in XX/XX/2021. I reached out to the person, and they informed me that they reported to their bank that those funds were not theirs. I filed a claim with my bank chase to get back those funds. And they said that there was nothing they can do about it, that the recipient never returned the funds. Thats not true the recipient sent me a screenshot when the funds were reversed from his account. I do not understand why my bank has not helped me retrieve my money, when there is a clear paper trail, and the recipient didnt take the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a XXXX XXXX XXXX from XXXX around XX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX XXXX. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. XXXX   is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX and XXXX and it was approved. The issue here is that on my credit, XXXX shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX   off my credit as I properly traded that car in for the 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX 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 2020-01-22
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company Freedom Mortgage keeps calling, emailing, and sending me unwanted advertisements about refinancing my mortgage. Even every month when I pay my mortgage online, I have to dismiss ads about it before I am able to pay. Its getting ridiculous. I told them several times to take me off their call list and to stop bothering me about refinancing. Im not interested in refinancing and have told them this numerous times, they keep bothering me about this.

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 2022-07-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Name of Card Company : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dollar amount of error : Current balance Description of problem : This account was opened XX/XX/XXXX for {$4900.00} on a 24 month deferred/no interest account. On XX/XX/XXXX I set up an automatic payment account for {$210.00} to be paid each month for 23 payments to pay off the account. The first payment was sent on XX/XX/XXXX and payments were sent each month after that on a continuous basis. I reviewed the payments each month on my bank account to be sure they were going out but did not review the CareCredit account as I felt that assuring that the payments were being made in a timely fashion was adequate. I became aware of an issue when I received an email advising of a late payment after the date when the account should have been paid off. After review and discussing this issue with several CareCredit representatives I was advised that my first payment arrived on XX/XX/XXXX but the first payment was not due until XX/XX/XXXX. The first payment was not credited to my first due date. Instead my SECOND payment which arrived around XX/XX/XXXX - XXXX was credited to the FIRST due date of XX/XX/XXXX making my payment 2 days late as opposed to 27 days early and a late fee was assessed on my account. This same method was followed each month which resulted in accumulating 23 late fees for payments that were made approximately 27 days early each month. I have challenged the late fees and therfore when the 24 months were up on the account, the company back charged me for interest from the beginning of the account. Had the payments been correctly accounted for, the entire amount would have been paid off in XX/XX/XXXX and no late fees or interest should have been charged. 

I contacted Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, no one would give me their complete name or employee ID number. Each time I called, the person answering the phone said they had no authority to resolve this issue. Each time I requested their supervisor. The supervisor repeated the statement that they had no authority to resolve my issue. When I asked to speak to someone who could resolve the issue they said there was no one who could do that and refused to transfer me. 

I then sent a certified letter to Synchrony on XX/XX/XXXX which was picked up XX/XX/XXXX. I have not received a response to date. 

I am attaching a copy of the letter I sent, the approval of the account, a document showing where I set the account up for payment, and a recent notice from Synchrony Bank with the current amount they claim is now owed on the account due to late fees and back calculated interest.

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