BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received anything in paper or mail from this company, It would have been disputed within the 30 days if i had known.. This is not my debt as i did not give permission for any information being sold or bought. Since my information was bought without my authorization this is identity theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The company Portfolio Recovery continues to call and have been calling me all year long harassing me. Ive requested numerous of times to stop being contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: Continental Finance Company, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019, I received a call from XXXX XXXX ( XXXX ) XXXX. The message when I answered said I may be a party to a claim and that I could lose my chance to collect on the claim if I didnt hit 1. I hit 1 and was transferred to a debt collector. I then asked for information to be mailed to me and they told me no. I then asked that they not contact me at this number and they said they could. I again asked that they mail me something and they still refused. When I told them the robo message was deceiving and I wanted the name of the Debt Collection agency and their license number they refused to give it to me and hung up on me. I looked this number and name up online and nothing comes up, so I am unsure how to even figure out who the debt collection agency is.

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 2021-11-03
Company: EQUIFAX, INC.
State: GA
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 have sent several letters to Equifax to update my address to the current one along with proof of the address but the previous address remains. I do not live at that address and wanted to ensure that I receive all my mail from them. I have also disputed negative items on my credit file and Equifax mailed me a letter. The letter stated that my information can not be found but yet they are able to allegedly validate negative information on my file. Upon looking at XXXX XXXX I noticed that several of my negative items were finally removed. I also checked the Equifax credit reporting site as well to ensure that it was accurate. It also shows no negative items. But when I log into the XXXX credit reporting site it lists several negative items. This is conflicting information and I would like a copy of my actual credit report to know what is on there. Each time I dispute I do not receive a copy of the outcome. I am uploading the return letter I received from Equifax and a screenshot of what their site is showing for me on their actual site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on the BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-03-31
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: FL
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:
Hello, I tried to follow the law and started to send letters to the XXXX in order for them to eliminate the accounts and the information that is incorrect on my credit report. They are not answering me and they are not doing anything on my credit report either. 

I just want to be able to find a resolution, and they are just ignoring my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: MB FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  mailed excess escrow funds of {$1500.00} to me in late XX/XX/2018 then increased my PITI payment from {$1200.00} to {$1200.00}. On XX/XX/XXXX I returned THEIR FORM, attached with a {$500.00} check which they cashed to cover the anticipated increase X 2.5. On XX/XX/XXXX I wrote XXXX XXXX  another letter stating XXXX XXXX  does not have my permission to debit more than the prior amt of {$1200.00} from my checking as they have more than enough money in escrow to cover taxes and insurance. They refuse and continue to debit {$1200.00} per month. They claim that I am trying to prepay my T & I and that they are trying to prevent any shortage. Every PITI payment they collect is PREPAYING the T & I and there is no shortage!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 my XXXX Item # : XXXX sold requiring immediate payment through Paypal. 

On XX/XX/2019 I contacted Paypal regarding a hold that was placed on the associated transaction ID : XXXX. I contacted Paypal customer service by calling XXXX. 

The customer service representative answering the call is located in the XXXX. The customer service representative requested for myself to commit fraud by asking the buyer of the item to report the item as received so that the funds hold on the transfer could be released immediately. 

I advised the customer service representative that she just requested for myself to do something illegal and she was completely dismissive and indicated that this was normal procedure. 

I have been a Paypal user for 15 years and this is the second time that this has occurred recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: GA
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: Public record information inaccurate

Complaint:
Bankruptcy listed with Equifax, XXXX and XXXX has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I used the services of Remitly to send {$220.00} dollars to the XXXX XXXX and in the XXXX XXXX XXXX used XXXX XXXX to make a home delivery. 
I received a delivery notification and since I had use Remitly services before without any incident, I believed the funds were delivered. 

The following Month the recipient call me to make sure I send the funds I normally send on a montly basis because he had not receive the Month of XXXX and that landed the recipient in hardship. 

I asked him to contact XXXX XXXX in the XXXX and the very next day he showed up in person ti inquire about the missing delivery and he was told that there such transaction never occurred and that Remitly never send such transfer, I called Remitly Customer Service and remitly contacted XXXX XXXX to inquire about the transfer in question, XXXX XXXX responded to Remitly with a receipt bearing a signature which was not the recipient signature So there you have it, XXXX XXXX told the intended recipient that such transfer never occurred meanwhile, XXXX XXXX acknowledged to Remitly that they received the transaction and produced a bogus receipt claiming they had delivered the funds. 
The next day I asked the intended recipient to go back in possession of proof of the transaction and a copy of the receipt the supplied Remitly with. 

When confronted, someone at XXXX XXXX produced another receipt bearing the recipient legitimate signature, the thing was that such receipt was was for a different amount and sent by someone else on the same date but at a different time which the recipient received. 
For the record, I have a copy of such receipt with the recipient signature and another copy of a produced receipt without the recipient signature but bearing someone else. 
I would also like to state that Remitly Customer Service Representative judging by the noise around the conversation sounded like he was sitting in a bar and was likely speaking from somewhere in XXXX XXXX XXXX. 

Remitly did nothing further to investigate my claim and when presented with the proof all they said was well, XXXX XXXX claims they delivered and there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Diversified Recovery Services 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: Account information incorrect

Complaint:
We signed up for XXXX XXXX because it was a XXXX XXXX. Our son is XXXX, and it was important for us to have a nurturing environment. What we received was anything but. Teachers were unresponsive, and uncaring about the situation. We paid {$2100.00} and after they refused to address our concerns we stopped paying. XXXX in turn locked him out of classes. When they finally responded, they offered for us to pay for extensions so he could finish classes, and then if he could not finish, to pay another {$3000.00} to take the classes all over again. That was their solution. We of course refused. They in turned cancelled our account and when I pulled up my credit report a year later, they had hired a collection agency and put a {$1500.00} charge off on my credit report. When I pulled up my wife 's credit report, they had put it on her credit as well. She had nothing to do with XXXX, never signed anything, never spoke to them at all. When I contacted XXXX XXXX at XXXX multiple times he simply never responded.He did n't even respond. When I started complaining on social media last week, only then did they respond. They said they removed everything from wife 's credit long ago, that was a lie They then refused to discuss the matter, DIversified Recovery services refused to take it off our credit for 2 years, same with XXXX. We have been denied loans, seen our interest rates go up. Etc.. They only now said they would take it off. XXXX and XXXX are the Accreditation people who allowed this to happen. When informed they did nothing.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 - Entire balance in PNC Bank personal account levied and withdrawn from XXXX issued by state. 

Funds were never returned to me or account but the state of NJ sent me the voided cashiers check and confirmed they released the funds but the bank has not credited them back to my account. 

After multiple calls, branch visits, this issue remains unresolved and I still do not have over {$4000.00} that was due to be returned to me almost a year ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Charging excessive unexplained fees over the last few months when monthly payments have been made on time. Fees are shown on statement as " corporate advance ( s ) '' and now another fee has been charged for {$300.00} with a description of " Payment of Preservation Fee ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
One day in XXXX  I opened up my bank of america app and it said i had no accounts. When i called customer service they told me that my account was still active and that i should go into a branch. When i went into the branch they told me that my account was being closed and i would have to wait for a check to come with the balance of my account and gave me a number to call. When i called the number they told me that they can close an account basically whenever they feel like it and dont have to tell you why ( I didnt do anything wrong ) and with a few XXXX  searches seems like this happens quite frequently..

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 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 sent a letter to Transunion, XXXX, and XXXX on XX/XX/21 about XXXX accounts they are reporting on my consumer report that I did not give consent to them to report. They are stealing and reselling my private information and it is fraud. They have XXXX days to perform an investigation and to respond they have failed to do so. They never removed the items from my consumer report during the investigation and they have not provided the names and phones number of those they interviewed in the investigation process. I sent a demand to comply letter since they did not do what they were supposed to do and they have a grave responsibility to do so. I never gave them the permissible purpose to furnish a consumer report on me. This is now hindering the ability to provide for my son because of the stress is this causing me. I can't sleep at night and have anxiety from these negative items on my consumer report. I feel that I am being taken advantage of and they are profiting from my name. I am beyond upset.

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 2018-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax, XXXX  and XXXX   has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: NJ
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: Personal information incorrect

Complaint:
Equifax is still reporting the wrong address on my credit report, I do not know where this information is stemming from. 

In correct address below : XXXX XXXX XXXX XXXX New Jersey XXXX I have never have lived at this address!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Affirm Holdings, Inc
State: MD
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 has been notified by the US Court Bankruptcy was filed and all the accounts listed were included in discharge- XXXX has Affirm accounts still open and not closed and XXXX out as the law requires. 
They sent a email saying the are updating nothing it remains/ this is illegal- clearly they were all informed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my mortgage loan from Freedom Mortgage to XXXX XXXX XXXX on XX/XX/XXXX. Freedom Mortgage automatically deducted another payment in error on XX/XX/XXXX as they were already paid off. I contacted them by phone on XXXX when I say the deduction in my bank account and they said they would put in for a reversal to get the deduction reversed. They never called me to tell me there was any problem. On XX/XX/XXXX I call them again to ask why I didn't have my money refunded yet. They kept me on the phone for a long wait and are going to wait to mail out a check until XX/XX/XXXX. They are not reversing the payment they took in error. The amount they took in error is {$1900.00} on XX/XX/XXXX and by the time they get the check to me so I can deposit it they will have had the cash for at least 3 weeks. That is a very long time to keep money from an individual who has bills to pay and has to live. They have horrible policies and terrible customer service and will not go out of their way to fix a problem they have. Big banks should not be able to do this to individuals who need the money. My mortgage loan number is XXXX. Again I contacted them the same day and they did not attempt to contact me in 2 weeks time.

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 2019-10-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I utilized my Home Depot credit card, as I received a coupon that offered special financing. All of my purchases were made before the expiration date listed on the coupon. 

Citi Bank / Home Depot Credit Card Services doesn't want to honor the special financing - they advertised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Experian Information Solutions 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 have been having problem with Experian for some reason they will not update my report. Can you tell me why? I think is ridiculous that I have to file another complaint to get them to update my report. How hard it is to update like they are suppose to. I want this fix now.

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 2021-10-06
Company: MoneyLion Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, my entire checking account ( ending XXXX ) was closed with no warning and little explanation. I had approximately {$1600.00} in that account and I have no access to any of my money. 

I only have a single document to share. This happened in an instant and I have received no explanation. 

I promptly contacted MoneyLion via phone ( my bank ) and all they told me was they noticed suspicious activity and they closed my account. They sent an email that detailed instructions on how to reopen my account but said it would take 3-5 business days to process.

I immediately asked to speak to a manager and they said there are no managers and that they were entitled to close my account without notice pursuant to the membership agreement.

3-5 business days to reopen an account is ludicrous. I am penniless. I have no money left to feed myself, pay my bills, or celebrate my birthday ( which at the time of writing is in a day ). 

They also said that I owe them an explanation as to the suspicious activity. The only activity that could be construed as suspicious was my student loan disbursement on Monday, XXXX ( approximately {$5100.00} ). But that is outrageous, given the fact I have been a customer for over two years and have had my loans disbursed to this account for nearly as long.

Waiting 3-5 business days is simply unacceptable. The fact that there is NO support or immediate review of these instances is mind-boggling. I am at a loss for words.

Company response to consumer: Closed with explanation