BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: Tennessee Quick Cash, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
stated at the time that I 'm unable to make payments due to be laid off from work and XXXX in my XXXX XXXX. I asked for all calls to cease but company is still trying to contact me .I received a phone call today from my old employer stating that the company was calling for me and that this was a disturbance. I can not pay this bill at this time and all the phone calls and email communications are putting me at risk for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was being overcharged in interest rates so I decided to pay off my Discover card close the account, which I did. I received a bill for ~ {$1.00}, called and was told they forgot to charge me that amount. I didn't pay the additional money as they had already overcharged me and I closed the account, paying what they said I owe. I filed a complaint and I'm now being told I ordered XXXX XXXX, which I never have. Any chagres should have been included in the amount I paid to close the account, and no changes were made after closing it. The woman kept trying to get me to keep the account open and I kept declining so perhaps she didn't close it, whatever the case, I paid off the balance and requested the account is closed. This company calls all time of day and night, harassing me. They send multiple communications a month. I paid the balance they said I owed and it was an overcharge in itself. I do not owe them a dime and I've never ordered XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I initiated an international bank to bank transfer of money using Western Union services. The money shouldve been received by the recipient on XX/XX/2020. As of today ; the money still has not been received by the recipient. Ive called Western Union every day since then and have been getting the run around. I want a  refund but they will not issue one and will not provide support. Today after complaining they informed me that their records show the money was transferred and they will not issue a refund, despite my complaint to them stating the money was never received. They have been extremely unhelpful and there has been no transparency regarding their processes or what information they are using to hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, 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:
I looked at my credit report and I saw a lot of fraudulent accounts on my credit report. I would like to remove these as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I contacted CoinBase because the phone with my authenticator app broke. I needed that to enter an authentication code to access my account after enter my username/password. I needed them to remove that check. This happened once before and at that time they ask that I submit a copy of my driver 's license and maybe some other info. I was informed on XX/XX/XXXX after I made that request that they already had all the relevant documentation due to my previous submissions and that I should expect a resolution in 48-72 hours. 

On XX/XX/XXXX, I contacted them again and asked them what the delay was and I would be willing to provide any additional info they may need. I received the following response. " Please be informed that we can not expedite the review process. You still need to wait for 48-72 hours for the process to be completed. You will receive an email confirmation once it was completed. No further action on your part is necessary at this time. If we have any need for further information, we'll be sure to reach out. '' I contacted them again a week or two later and this time got no type of response. I contacted the XXXX about a week ago and that got no traction. So at this point I'm just starting to go down the list of any governmental agency that can help. I really want to avoid having to take the legal route.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a cash app account at the request of my tenant, that is how he wanted to pay his rent since we are in different states. On XX/XX/XXXX he deposited {$1500.00} in my account, I tried to activate my card and I couldnt get it activated, so I called the toll free number that cash app had on their website, a man with broken English answered the phone ( which didnt alarm me, as that happens often ). During the course of the conversation he was sending me codes from cash app which I have copies of. We also got disconnected and he called me back on a XXXX number which didnt alarm me either as so many people are working from home. After he helped me activate my card ( so I thought ) he asked me if I wanted my limit increased and he told me some numbers to punch on my phone to increase my limit. When I hung up I had a feeling something wasnt right ( I worked in a bank for 25 yrs and I am not easity scammed ) so I brought up my bank account and {$1000.00} was withdrawn and deposited in my cash app account. I then emailed cash app immediately and told them what happened and not to let any money get withdrawn from my account. They sent me back a confirmation of receipt and I emailed them again and told them to hurry up as I didnt want anything to come out of that account. I couldnt do anything on my end because my phone was jammed and it would let me do anything. They did absolutely nothing, the next day around noon they let a withdrawal from my account for {$2500.00} go through. Cash app is liable for my loss because they had bogus phone number posted on their website and then when I notified them at approximately XXXX pm on XX/XX/XXXX they did nothing and let {$2500.00} get withdrawn from my account the next day. After exchanging over 40 emails with them and getting nowhere, I contacted the California BBB and they were able to get them to refund me {$1000.00} but cash app still owes me {$1500.00}. I have copies of all the emails and their answer to BBB that I would like to send to you, they tell a considerable amount more that I am able to in this description.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Bread Financial Holdings, Inc.
State: MA
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 contacted Comenity bank several times about this situation and quite honestly nobody has the skill set to help, I called on XX/XX/20, XX/XX/20 and again today XX/XX/20 the remarkson my account show as " charged off as bad debt '' this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I attempted to dispute that XXXX XXXX XXXX is still reporting an open account on my credit that was supposed to be included on a bankruptcy. I used experian to dispute in XX/XX/2020 but it's still listed on my credit file. I'm attempting to purchase a home and have been informed I should report to CFPB.

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 2020-05-24
Company: Sovereign Lending Group, Incorporated
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Sovereign lending group kept running my credit report vi inquiry multiple times even after I told them I no longer wanted to move forward with them. Hey did this in XXXX ( when I told them Id not move forward ) XXXX and XXXX. They also keep calling me despite me telling them multiple times that I never want to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
This is a problem that had repeated itself I buy books, he advertises {$69.00} but charges {$590.00} and he does not warn Also the website was rigged so you cant refresh or goback without being charged. 
They site is full of spyware and malware and they know it, there is no name o the website, also they found away to bribe Netspend into faking fraudulent transactions and helping them get away. The is against Louisiana laws Netspend Claim # XXXX phone XXXX I claim racism because if i was white or Spanish this wont happen alot XXXX Billing help XXXX they give no name and will not verify who was the investigator, and what proof do you have I got the order. Card ending XXXX is a duplicate fraud. This time change account numbers with new cards.

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 2020-01-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
went to the the company website to dispute the wrong information but it didnt let me log in.

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 2020-07-03
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I learned that my information was sent to a collection agency from XXXXXXXX   while I was out on military leave. 
I have been trying to get a hold of " The Bureaus Inc '' to request them to send me verifiable information to prove that this account belongs to me. I have called XXXX/XXXX  and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " The Bureaus '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Morning, I opened a checking account as a new customer with Key Bank in XXXX, CT last month. Key Bank was offering {$400.00} for every new account opened with two direct deposits and payable within 60 days from the opening of an account. 

I have been working from home on a recommendation from a XXXX. I went to go deposit a check from my dad for {$180.00}. and this bank has two slots, one for cash, and one for checks which I didn't realize. Upon trying to deposit the check, I must have hit cash and could not exit out of the transaction at the ATM. I tried a {$1.00} bill, an envelope, nothing worked, so I put in a blank check from an old bank just to get the transaction finished so I could actually deposit the {$180.00}. The second time I tried depositing it, it was successful. 

Then the next day, based on an email from a friend, I signed up for a second job as a XXXX person. A bank check, appeared to be a bank check, arrived and I deposited it for {$2300.00}. After sleeping on this deposit, it seemed weird they never asked for a Ssn for tax purposes, etc. I called Key Bank and a gentlemen told me to just watch my account. That didn't sit right with me, so I reported it as a fraudulent check the next evening. I've gone to my local police, submitted any and all paperwork to KeyBank, was forced to close my account and told KeyBank will not open a new one with me! Mind you this is days before they should pay out the {$400.00}. I haven't switched banks in a long time, and have never had such a horrible experience. The guy upon opening my account at KeyBank was asking about jobs at my company, and what his friends in XXXX could do to apply as well. Now they won't open a new account-which is fine at this point-but they also mentioned absolutely nothing about the promo deposit of {$400.00}. I have never worked with such an unprofessional bank or heard of refusing to open another account. I would like someone to look into this and explain why they are refusing to accept customers and negating their promo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX account was completed on 2 year agreement back in XXXX  and both phones were returned back to XXXX store and last monthly bill was paid to a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
My attorney contact Fair Collections & Outsourcing ( FCO ) in regards to a debt with their client, XXXX XXXX, regarding this debt being too old to collect. FCO agreed this debt is too old to collect and stated they would not pursue collections, but refused to remove this item from my credit reports.

I have disputed, multiple time with each credit bureau, this fact and each time FCO responds to the dispute that the debt is collectable and valid.

I spoke with someone from FCO and they said they have no intention of removing as the debt as having in on my credit reports gives them the potential of getting paid.

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 2020-11-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Honda Motor Finance had a software glitch on their website that caused auto payment to turn off without my consent or approval. Late payments were charged as a result. Honda Motor finance has sent letter to my mortgage bank saying that the delinquencies have been lifted but they have failed to reflect that to the credit rating agencies which has resulted in a steep drop to my credit rating. Honda motor finance has several time admitted that the credit delinquencies were a mistake and a result of their website errors but has yet to reflect that to the credit bureaus. I have NEVER had a late credit/delinquency and my credit score prior to this event was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GM FINANCIAL Account Number : XXXX This is not mine. 

5. XXXX  XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.

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 2020-02-11
Company: AES/PHEAA
State: FL
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:
I would like to submit complaint of misleading financial information by FedLoan Servicing. 

On XX/XX/XXXX I contacted FedLoan Servicing due to confusion regarding balance after I made a large payments. For the past year I have been paying minimum monthly payment. While I was making my minimum payments I reviewed my billings statement and had created my own accounting sheet. Per my own accounting, I estimated after 30 days, my loans would accrue around {$550.00} in interest. My monthly direct payment was set at {$560.00}. When I reviewed my monthly statements, I did take note that a number of my loans only had interest being paid, where few had principle being paid. I also took note of my " Total paid '' statement of interest satisfied and principle satisfied. During this time it appeared to me that I was essentially paying the interest on each of my loans and a very small portion was going to principle ( of note, this was my lowest interest loan ). 

So, it was a big surprise to me that when I made a large payment on XX/XX/XXXX and XX/XX/XXXX of XXXX, and learned there was an outstanding interest due on multiple loans. After hours of review, I was informed that many of my loans did not have their monthly interest satisfied and were in fact growing every month. I was informed that the minimum payment due did not account for different in interest on each loan. Amount due on one loan did not influence amount due on another loan. So, while my bill shows that principle is being paid on some loans, it does not show when interest is not completely being paid off on other loans. We then reviewed daily accrual for each of my loans, and then I was instructed to do the math on my own to determine how much interest was not being satisfied every month. I did request for this to be provided to me, but they were not able to provide me with such information. 

I would also like to note that during this call, Public Student Loan Forgiveness program was brought up. While I appreciate being informed and reviewing the program, I did feel I was being told to not worry about the above issue, because in the end, its going to be forgiven anyway. While I can appreciate any suggestions and guidance in paying off my student loans, I dont feel it is appropriate to suggest depending on a program that is not guaranteed and has multiple stringent circumstances over a 10 year period. 

In summary, I feel that current billing statement and online interfaces do not easily and clearly show when loans are growing, ie accrued interest is not being paid off with minimum payments. While there are many different payment methods, it should be clear to a borrower when a monthly payments is not going to be enough to satisfy accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: IN
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 contacted Equifax on three separate occasions and they never return my call. Someone from a bunch of different agencies had hard inquiries listed on my credit report. I haven't applied for any credit, credit cards, car loans of any type. I have checks by companies i've never heard of!!!! I spoke to one person one time who refused to give me their name in the month of XXXX this year!!

Company response to consumer: Closed with explanation