BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I sent money through moneygram to my uncle XXXX XXXX that resides in XXXX XXXX XXXX.I gave my uncle the reference number so he can collects the fund at moneygram store in XXXX. Armed with his identification card my uncle was refused to collect the money unless he called moneygram HQ in the XXXX. 
When I was informed I called moneygram to request a cancellation of my transaction and requested a refund. Moneygram stated they can not issue me a refund and my uncle in XXXX XXXX has to call them even my uncle does not speak english. 
My uncle contacted a translator, called, and moneygram decided not to release the funds to my uncle. 
After multiple attempts of my part moneygram refuses to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Westlake Services, LLC
State: VA
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I paid my account in full with a verbal agreement made by Westlake Financial to delete the entire account off all three of my credit reports. XXXX still shows the account as open. XXXX and XXXX show them as closed and paid. They payment history on all three are showing different information. XX/XX/XXXX, I received a letter with no acknowledgement or agreement of removing the accounts. They refuse to delete this information as verbally agreed by them in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In the month of XXXX year of XXXX I sent Equifax a dispute regarding XXXX XXXX  listed on my credit file. In XXXX I directly contacted XXXX XXXX in reference to an unknown account on my report. According to Equifax there is an outstanding balance of {$1600.00} associated with this account. XXXX XXXX sent a bill with the total listed of {$830.00}. This is clearly not a valid account with conflicting information from XXXX XXXX to the credit bureaus and myself and I am demanding this inaccurate account and Information to be removed from my credit file. I have attached this contradicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am emailing you all in regards to my Ford Motor Account Number XXXX. 

Unfortunately, there was an issue that required me to file an insurance claim. 

I have repaired my vehicle, and turn in my receipts as requested by Ford Motor Company. 

I mailed those receipts and my insurance check in as directed by Ford Motor Credit personnel. 

I called today to check the status of the endorsement of my insurance check, and now they want to levy additional requirements. I do not appreciate my insurance check being held hostage after coming out of my pocket to repair the vehicle. 

I called and I asked what the process would be, and was told to turn in the check and my repair receipts, which I did. Today, I am told to take more time out of my day and get a Ford Inspection because I have made less than 6 payments. Well, if I make my 6th payment today will that solve the issue. I was told yes. 

I called back, and this is not a requirement so which is it? It really depends on who you talk to and on what day? 

Lastly a supervisor was suppose to return my call today before they closed, and guess what Mr. XXXX did not. 

Highly disappointed with Ford Motor Credit. I have integrity and I spent the money to fix my the truck and then some. 

So far, Ford Motor Credit has not kept their word or their promise to me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To Whom it may concern, Citigroup will eventually be passing judgement on all of my transactions that might be considered politically incorrect. Starting with paying for time at my local shooting range, buying supplies for my church, renting a fishing charter, increasing my carbon footprint by purchasing air-fare or a down payment on a large SUV. Denying me the ability to purchase goods because the bank does not agree with my personal beliefs is taking a political stand counterproductive to business. 
Had I known this was the stance they would take I would not have opened my account. Honestly I will probably move my business elsewhere unless this is addressed. 
Thank you for your time and I look forward to hearing from 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 2021-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America has incorrectly reported my payment, balance, and status incorrectly and has failed to resolve these issues after multiple attempts to remedy. 

From XXXX to XXXX my credit report shows multiple inaccuracies in terms of payments made, balance owed, and the late statuses. See attached account information detailing history and corresponding payments made. 

On XX/XX/XXXX, I spoke with a representative whereby we agreed to settle the balance for {$2000.00}, at which time I paid that amount which cleared my bank on XX/XX/XXXX. 

On XX/XX/XXXX they reported an account balance showing due ( per XXXX ). 

On XX/XX/XXXX I received a call from a BofA representative requesting I pay an additional {$9200.00}. 

These reporting errors have caused significant damage to my credit history resulting in loss of other creditors and employment damages due to FICO reductions that triggering closures and improper representation of my efforts to bring the account current, and to settle in good faith. 

They are careless, negligent, and lacking any coherence in their customer service processes which lead to significant and materially damaging consequences to the consumer.

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 2019-04-10
Company: Advantage Credit, Inc.
State: CA
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:
XXXX XXXX of XXXX XXXX XXXX contacted my wife and I on XXXX XX/XX/XXXX to ask if we were interested in refinancing our home with an Interest Rate Reduction Loan ( IRRL ). His company had secured the financing for our home in XX/XX/XXXX so he already had signed disclosures on file. 

I was out of the country at the time so my wife, XXXX XXXX, called him that afternoon to discuss options. She specifically asked " Will you need to run our credit? '' The response that XXXX gave was " We will not need to run your credit at this time. '' During the phone call. 

On XX/XX/XXXXh, my wife and I both received notices that someone had run our credit. XXXX contacted me through text. I checked my report and it showed that Advantage Credit Inc, had Inquired about my credit on XX/XX/XXXX. 

I sent XXXX a text that day asking if he had run our credit. He stated " Yes, I pulled your credit so I could start moving forward with your VA IRRL streamline refi. '' Following that exchange he made a number of excuses as to why he did it after I told him that he was not authorized to access our credit reports. 

He then promised to send us our reports, which has not happened and to review them with us. This was on XX/XX/XXXX and we have not heard from him since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: ID Analytics, Inc.
State: NY
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:
there are accounts showing on my credit report that I did not open, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Checkr, Inc
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wrong information is on my report and keeps appearing. Ive XXXX with XXXX for months and they understood that the information was incorrect. One of the things that are wrong on the report is the Hit and run accident I was involved in, it was not my fault XX/XX/2017. Also on the report XX/XX/2017 I was pulled over going to a funeral, and I didnt have my license which was Valid at the time. They late had me come show my drivers license and they threw the case out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Cbna inquiry date XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Received these unauthorized inquiries on my account.sent a letter to the company to reslove the issue and have these taken off my credit report.i have not recieved a response and now km moving forward to have them removed from my credit file.

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 2018-03-23
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I signed up with a debt relief company I had been paying off debts I had kept getting calls from 2 creditors on the list in line to be paid .. They ignored the debt relief company sent summons to court ..so I left the debt relief company it has been a long struggle to pay them and every lawyer I talk to said it wasn't legitimate? I am out close to XXXX ... Now got a lawyer for bankruptcy they tried to contact this company with the summons to have this court date extended they ignored them to so now I missed this court date now I am under the threat of having my XXXX check taken from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
COINBASE COMPANY based in XXXX XXXX sells cryptocurrencies, It will allow you to buy currencies such as LiteCoin, Bitcoin and Ether but will lock your account when it is time for you to withdraw your funds. I have tried to validate my identity to COINBASE and successfully uploaded my driver 's license with the CORRECT INFORMATION INCLUDING the address but it insists that it can not validate it after I have accurately answered all the verification questions. They are holding my funds. This company should have completely validated the users first prior to allowing them buy crypto currencies so that there no funds withheld if can not be validated. 

This is a pure deception and fraud where they allow you to buy but will put restrictions on your funds that is deposited to their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN is taking my home away through a foreclosure sale on XX/XX/2019 and there is nothing I can do to stop the sale. They have hindered my ability to obtain mortgage assistance ; having never had my loan completely reviewed for mortgage assistance. I feel that I am defenseless against a giant foreclosure machine and need your help to stop them from wrongfully taking my home away. I see that you fined them XXXX XXXXXXXX for not helping homeowners and they are apparently still doing now what they did before. You also gave them an order to help homeowners, but apparently that has fallen on deaf ears at OCWEN. When I purchased my home, I was conned into taking an interest only loan for five years. This loan product is for investors, but the mortgage broker sold me on the benefits and said I could always refinance my loan. When the economy started to crash and I lost my job, the reality of my situation hit home and I reached out to OCWEN for help. They have never performed a full review of my loan for retention options, even though I have tried to work with them for years. Instead of being fair and negotiating with me to create a modified loan that I could afford, they kept sending me these ridiculous streamline offers that are unaffordable. Further, they are not acting in good faith. When I finally believed that they were going to work with me on my loan, they gave me a date to resubmit for review that had already passed. I have never had a single point of contact and feel they are just snubbing their noses at the consent decree you gave to them years ago. I have a sale on my home scheduled on XX/XX/2019 and will lose my property if OCWEN can not be stopped. It turns out that the real estate company who is selling my home is also owned by the company who owns the loan! I believe this is illegal. OCWEN and the investor have no motivation to work with me because my home has equity and they will make money three different ways on the foreclosure sale. What a scam!

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
cra inaccurate information ftc,,fra violaiton

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 2018-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
calls on XXXX XXXX from Portfolio Recovery re debt of approx {$6900.00} from 2012. Asked they stop the calls because I'm on SSDI with no assets of any kind. Asked that a judgement be taken for this if it hadn't been done yet ( I believe it has ), put a note into my file regarding inability to pay and to stop calling. They continue to call even when I told them I am reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an old account with XXXX that is reporting on XXXX. It was included in Chapter XXXX bankruptcy discharged. It should be removed from the report. I no longer owe them. Tt is causing me to be declined.

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 2019-04-10
Company: CITIBANK, N.A.
State: MI
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:
I recently went on a cruise and use my credit card ( Citi Bank ) to make purchases. The cruise was from XX/XX/XXXX to XX/XX/XXXX. After the cruise was over, there are pending charges and and actual charge. I waited the appropriate time based on the cruise line recommendation that the pending charges would fall off my credit card. On XX/XX/XXXX, I called the cruise line to understand when the pending charges would fall off. They indicated since they don't keep credit card information, it would be up to the credit card company to remove the pending charges. The cruise line and I called the credit card company to have a conference call. The credit card company was unwilling to remove the pending charges and stated it was up to the cruise line. The cruise line stated it was up to the credit card company. They both was standing their ground and was stating how much experience they had in resolving these issues without recognizing, the consumer ( me ) was on the line being affected by the issue. Since I didn't know which party was telling the truth, I cut the conversation and stated I would just write up a complaint. As of today, XX/XX/XXXX, the pending charges are still showing on my account. I don't know what the next steps are since, I needed the card to use for a business trip which I had to adjust other cards to pay for hotel charges. I think both companies were unprofessional and didn't think about the consumer who is being affected by the pending charges on the 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 2019-04-10
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: Information belongs to someone else

Complaint:
This account does not belong to me. This account was opened fraudulently.

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 2020-05-08
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Due to the hard time I am having I am unable to pay my debt. This company has called my mom numerous times and she is not on my account. I will pay my debt but not right now. They have no right to call her and its causes more stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had no knowledge of this debt until I tried to get a copy of my transcript. It was not on my credit report, and it was months before they could even locate my information to tell me a balance. I called the finance office at XXXX and all they could tell me was I had a balance but had no knowledge of an amount in their system. They told me to contact the listed collection agency, and when I called the collection agency repeatedly they also had no knowledge of this debt nor my information in their system. No one could tell me anything. Weeks later the collection agency called and just gave me a balance with no explanation and a week after that it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX has 3 different times denied my XXXX Loan Forgiveness ( I've XXXX  for 6 years in a XXXX XXXX XXXX  and still XXXX  here ), because of arbitrary things like " The date wasn't filled out in DD/MM/YYYY format ''. The issue is I'm STILL XXXX   at my XXXX, so despite my principal writing Currently Employed in the " End Date '' field, XXXX denies me for the above reason, which makes no sense. I've tried 3x to receive customer service and each time received circuitous or repetitive responses, and it feels at this point that they are actively trying to deny new applicants for whatever loophole reason they can find. I have PDFs of my application as proof of this if needed.

Company response to consumer: Closed with non-monetary relief