BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX COMPLAINT : To whom it may concern ; I had used a XOOM Money transfer to wire money through phone apps program that I have. I have an online account with XOOM, which is owned by XXXX. I initiated a XXXX U.S Dollars money wire transaction from my Checking Account ATM card of XXXX XXXX XXXX  through XOOM. This transaction was done using XOOM Money service to transfer money to country of XXXX to ( XXXX Account and IBAN number : ) to my sibling XXXX XXXX. 
XOOM Transaction confirmation is XXXX. 

It has been 4 calendar days since I did this transaction with XOOM.com a money transfer XOOM representatives have given me two false phone instant messages claiming to have send the money and completed the transaction indicated it was deposited into the XXXX Account reference above. 

Upon having my sister XXXX XXXX whom supposed to receive this wired money I asked her to check her Bank account online. This account summary which is enclosed as evidence does not show any deposit of that date or amount at all. Zero transactions on XX/XX/XXXX. In the amount of XXXX US Dollars. This is clear evidence that XOOM is defrauding customer of XXXX  through their unreliable and dishonest money transfer service which has failed to complete transaction and has cause an alarm by sending a fake message to my phone showing the transaction was completed. 

I am sending you all the transaction screen shots and XOOM direct emails and messages as an evidence of their evasive customer service and defrauding corporation base in XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19
Company: Army and Air Force Exchange Service
State: AE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2018, my XXXX XXXX XXXX was charged for a purchase of {$160.00} in a XXXX, Florida. I am an XXXX XXXX servicemember, currently stationed at XXXX XXXX XXXX ; I am a resident of South Carolina ; and I have never been to Florida. I contacted XXXX XXXX XXXX on or about XXXX XX/XX/2018 at XXXX XXXX, by phone. I informed them of the incorrect charge and I was informed that I would have to address the charges civily with the individual who made them. The reference number for the charge is : XXXX. I originally applied for a XXXX XXXX in XX/XX/2018, but I have never received the credit card.

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 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America will not allow even an appointment without passing telephone banking questions, has failed to update my contact after numerous attempts. Will not mail my credit card to other than a private residence. Can't access my money am homeless. Very bad banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.

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 2016-11-08
Company: GFS II, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX I asked for hardship assistance with my car loan. I was told to make an XX/XX/XXXX payment and then we can apply me for a deferment to assist me. I did that. I never received deferment papers as promised. I am requesting a two month deferment on my loan to get caught up. My fiance ( also on the loan ) lost his job XX/XX/XXXX. He did not regain employment until XX/XX/XXXX. He has maintained that job and I would like to get caught back up. I just spoke to Gateway ( supervisor XXXX ) who refused my payment arrangement of {$500.00} on XX/XX/XXXX my next pay date. I have to pay my rent with this check that I just received as my rent is due on XXXX with no grace period. I explained the situation and was willing to add on {$100.00} to each payment but he refused my arrangement. They want a payment today or they are threatening to take the vehicle which will only further complicate the situation as my fiance will lose his job. He has to have the truck for his employment. All I was asking for was 11 days. Also, it should be noted that their website is not user friendly and to find the log in screen, I had to be guided just now by XXXX. I thought there was only a payment option ( one time ). I had no idea I was this far behind on the loan. It has been a nightmare dealing with Gateway. They do not have friendly hardship assistance for customers. Why just because I have a subprime loan are they making it harder on me? I feel like this company is benefiting from taking back vehicles from customers. They are being unfair and it was deceptive that I am just now finding out I am 3 months behind on this loan! I have received NOTHING by mail alerting me to this fact either! Normally you would at least get a notice by mail ( certified mail ) that your vehicle is about to be repossessed. I need help in dealing with this poor loss mitigation practice. A two month deferment would get me back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Bread Financial Holdings, Inc.
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 the dates below : Even there is difference reporting status among all the 3 credit bureaus - XX/XX/XXXX & XX/XX/2017 - 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2020, I tried to temporarily lift my credit freeze with Equifax, as I need to finance a new furnace ( mine broke and it is still getting below freezing at night where I live ). I had frozen it years ago and still have the 10-digit pin number they gave me for personal identification for when I need to lift or temporarily unfreeze my credit. I tried to create an online account with them, but Equifax 's website gave an error that it failed to contact their servers part way through me setting up my account. It would not let me back in to finish, only telling me that I had to call customer service. I called Exquifax to temporarily unfreeze my credit, and they asked me all sorts of personal questions to verify my identity. I answered everything correctly, including details on my mortgage, car loan, and one of my credit cards. They then asked for the date that I first set the credit freeze. I had set the freeze up years ago and only have the 10-digit pin they told me to save, they never told me to save the date. Equifax is now telling me that they no longer accept the 10-digit pin, and I am locked out of my credit until I mail in physical forms of identification. They will not even let me finish setting up my online account until I mail in my information. Preventing me from accessing/unfreezing my credit is going to delay me getting financing for a new furnace and heating my house, potentially putting my property at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Lendmark Financial Services
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:
The account was disputed in XX/XX/XXXX asking for validation, none was supplied. On my credit report it states that the balance was XXXX from XX/XX/2018. On disputing again, on my credit report it states that the balance is XXXX, XXXX for the same time period. They are just reporting inaccurate information with no validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Investigation took more than 30 days

Complaint:
I filed complaints in regards to the incorrect info on my credit report since XX/XX/2020. In early XXXX, XXXX  and Transunion made the correction. However, in late XXXX when I was about to submit my auto loan application, I discovered that the corrected error came back again on my XXXX  and Transunion credit reports. I attempted to dispute it with the credit report agencies directly, I was told that I need to wait for additional 30 days before the next update. The credit report agencies 's response is in bad faith. It has made my life extremely inconvenient during the pandemic.

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 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX is an account that is on my credit report and is not mine. I dont feel Ive gotten a proper investigation and cant get a good reinvestigation of this item.

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 2018-05-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report on my credit report that I have filed a Bankruptcy that was discharged but in fact I never completed the process according to the US Bankruptcy Court of XXXX, NC and that my case was neither dismissed or discharged and that nothing should be reporting on my credit report and I also provided Equifax with the documentation from the US Bankruptcy Court of XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management original account number XXXX MCM account number XXXX is trying to collect on this account which i dont recall. i request a validation letter proving that the account is mine. I am retired and on ssi so my income is federally protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Sent the following information to Capital One and XXXX on XX/XX/2020. 
Police Report. Notarized Statement. State Identification. Social Security Card. 

Both companies are willfully reporting these items to my credit and refusing to remove them although they have been made aware of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: JPMORGAN CHASE & CO.
State: TX
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:
We went to a XXXX restaurant called XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/2018 because they ran a 50 % off deal on XXXX. But when we were ready to pay with the XXXX, XXXXXXXX XXXX manager, XXXX, told us the deal was fake and they would not honor it. We asked the manager who would run a deal for your restaurant on XXXX other than yourselves. XXXX did not answer my question and insisted we must pay full price. 

After we paid the bill in full, we contacted XXXX about the restaurant claimed XXXX ran a fake deal for the restaurant. XXXX assured us that XXXX had no incentives to run fake deals for any company. And in fact a merchant must contact XXXX first before XXXX would run a deal for them and get commissions. 

So at this point it was clear that XXXX ran a scam to get people into their restaurant thinking they would get 50 % off the bill but XXXX had no intention to honor the deal. Then I disputed this charge on my credit card which was issued by JP Morgan Chase because I did not receive goods or services as agreed. 

JP Morgan Chase completely ignored the problem XXXX ran a scam and insisted I must pay XXXX because XXXX provided service. I tried to explain the situation that XXXX ran a deal on XXXX but had no intention of honoring the deal to JP Morgan Chase 's representative. But my words were fell on deaf ears because the representative kept repeating " I understand but you need to pay the merchant. '' The representative had no understanding of Consumer Credit Protection Laws. 

My wife also complaint about this on XXXXXXXX XXXX XXXX page and XXXX 's response was " I'm very sorry for this situation. We talked to XXXX about a deal but decided not to run it. However there was a miscommunication and it was posted. This was our mistake. '' So I forwarded XXXX 's response to JP Morgan Chase as proof that XXXX did not run fake deals and proved the point XXXX did contact XXXX to run a deal. But JP Morgan Chase did not care and still asked me to pay full amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ARS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

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 2018-05-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
American Express openly admitted to " Closing an account that supposedly they have the assumption i opened. '' Firstly the address that is in their response letter that they stated they sent to me is not my address. I have not ever lived at XXXX XXXX XXXX in XXXX TX. Nor have i ever applied for any American Express online. I am reporting this as identity theft as i never opened any American Express account online, i never applied for any American Express cards. Never received any letters from your institution warning of " Dispute billing abuse '' never once received a call. I have never called in to your institution you have no proof of any of these accusations. You stated the " Caller '' verified my phone number and asked to be reinstated, I wouldn't have called in to your company asking for any card to be re instated that i never opened in the first place. Nor would i verify my phone number. Again this fraudulent person committed IDENTITY THEFT. I am going to attach the FTC report to this CFPB case since you continually avoid facts that i am providing to you. You never provided resolution, did not actually research this issue. I never made payments to the account, nor did i ever initially receive any cards from your institution. I don't dispute things with cards i use. So again that would have to have been the fraudster disputing items. You never called my phone to notify me of anything, i never once received any letters or calls from your institution. I have found out just recently from your customer service agent about this account that was opened in my name like you stated " ONLINE ''. You continue to inaccurately report this and abuse the FCRA. So if you warned anyone of any of these " Disputes '' where did the letters go? I never received anything from your institution, yet you state you verified i did. Clearly your evidence is false and you are falsely providing accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Turner Acceptance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Attached is the estimate of damage to vehicle I sued and attached Illinois statue on petroleum gas fuel contaminated should be sealed once this was submitted to court in the form of a lawsuit turner ended the contract payment and said they would take no further action with this statement the entry on credit bureau should be removed

Company response to consumer: Closed with explanation