BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been sending money to my friends in XXXX for several years. The money I send supports two families that otherwise would be in dire situations. I have been using XXXX to send the money. I recently moved which meant I had to update all of my financial information and update my account on XXXX. However they do not provide a way to update your e-mail address. So I called and spoke to customer service. I was told I would need to close my current account and then open a new account. The service rep closed the old account and I opened a new account. But when I attempted to send a transfer to my friend I received an e-mail saying the account had been suspended and that XXXX  would no longer accept transfers from me. When I asked why they refused to give a reason except to say it had nothing to do with my change of address. 

I decided to open an account with WorldRemit. They allowed me to open an account but once again when I sent the money I received an e-mail saying my account didn't meet their criteria as outlined in their terms and conditions. When I asked what exactly they wouldn't say. 

The fact that both companies have refused to send money leads me to believe that either someone has stolen my identity or my name is on a list somewhere. Is there some way to find out what the actual issue is and hopefully get it cleared up so that I can continue to help my friends? These are people I've known for several years and visited twice in XXXX. I don't want to let them down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have several hard inquiries on my credit report that are fraudulent I need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX from XXXX contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with LVNV Funding which was an account from XXXX XXXX Bank, all of which is not legitimate. 
The XXXX XXXX Bank was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge. 

I asked XXXX XXXX to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from XXXX continues to contact me frequently via email on the following dates. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX acknowledged receipt of the validation request letter on XX/XX/XXXX. 

Attached document is the validation request provided to XXXX on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. 

I have not been provided with any validation documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Paypal Holdings, Inc
State: NY
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:
On XX/XX/2022 Paypal said my purchases which were never fulfilled were protected under their policies and told me countless times over the phone and chats that I would get my money back and to be patient. They initially said 15 days of no response from the vendor XXXX XXXX would result in a ruling in my favor. 

I was very patient, but Paypal waited until XX/XX/XXXX at XXXX to notify me I was ineligible to receive purchase protection on my 24 unfulfilled orders for a total of {$19000.00} which were under 180 days old. 

They additionally said there would be a high likelihood of orders over 180 days that were unfulfilled to be refunded. 24 orders with a total of XXXX. 

This process was extensively misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: TX
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:
I have attempted to contact the creditors as well as the credit bureaus directly with no resolve. Most recent attempt was today XX/XX/XXXX. Previous attempt was XX/XX/XXXX. I have frozen my accounts as well. 

XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have two XXXX showing only one correct is XX/XX/XXXX ( not correct is following XX/XX/XXXX, XXXX, XX/XX/XXXX ) Experian : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have my account setup on AutoPay for the minimum balance. On XX/XX/XXXX I incurred a {$2.00} minimum interest charge. I was appalled. I contacted PayPal customer service who refused to wave the {$2.00} interest as a courtesy.

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 2021-07-15
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: HI
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:
Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. 

XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. I have also complained that the payment history is reporting inaccurate as well, but Equifax and XXXX XXXX continues to report inaccuracies on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: ENOVA INTERNATIONAL, INC.
State: UT
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:
NETCREDIT XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX ( XXXX ) XXXX Ext.XXXX  This company pulled an inquiry on my XXXX report. I did not authorize this to be pulled and when I tried to call the company on XX/XX/2021 it was an automated system, When I got through to someone they hung up on me. I call 3 times before chatting online with XXXX. They told me to file a report and here we are. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 attached a copy of my report and the last letter i wrote to the 3 bureaus for these 2 student loans from XXXX to show that Transunion, XXXX, and XXXX did not conduct a full and proper investigation. They are inaccurately reporting late payments and I have requested that they investigate these issues and update them to never late. These falsely reported late payments are XXXX my credit score and are a violation. How can they have conducted a full and fair investigation if there are multiple violations in the reporting? They are paper whipping and just sending back a letter saying that its verified as accurate ... .It is our right as consumers to contact the cfpb when these CRO 's are violating our rights ... .this is the account # that they are reporting on both accounts XXXX this is a metro 2 violation as they are reporting a letter in the account #. All 3 bureaus are reporting different dates of last activity, All 3 bureaus are reporting different dates of last payment, Look at the payment history they are reporting Differently on the 30,60,90 days late ... .I was never late on these accounts ... ..How are the credit bureaus claiming that they actually investigated these accounts and that they are verified and reporting 100 % accurately and reporting all of these violations? they did not conduct a full and proper investigation is the answer.

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 2021-07-15
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. Equifax sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: MD
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:
due to covid i recently obtain a copy of my credit report and noticed accounts i did not authorize

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 2018-06-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I opened my account with Ally ( formerly XXXX ),  they were representing themselves as a NO TRANSACTION FEE banking alternative to the traditional greedy way banks operate. In particular I asked it Wire Transfers, In and Out, were free of fees and was told YES. Over the years I have and continue to have funds wired INto the account and on occasion, I wire funds OUT of the account and as it was represented, there were no wire transfer fees. 

That was until yesterday when I processed a Wire Transfer OUT of the account. They charged me {$20.00} to process the Wire Transfer transaction. This is ILLEGAL and what is referred to as BAIT AND SWITCH. 

I DEMAND my {$20.00} refunded and an additional {$60.00} to cover the time I would otherwise not have had to spend calling them and now having to process and submit this complaint due to their illegal and greed Bait and Switch tactics. 

TOTAL DEMANDED : {$80.00}.

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 2019-01-16
Company: Experian Information Solutions Inc.
State: KS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Fico score went down within 2 days from XXXX to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: VW Credit
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/2021, I requested and received a payoff amount from Volkswagen Credit for a a XXXX XXXX I was leasing at the time. I then proceeded to trade in the XXXX and lease another vehicle at a XXXX dealership. According to the XXXX dealership, they confirmed the same payoff amount with Volkswagen Credit and sent the quoted payoff amount which was received but not applied to my account. Volkswagen Credit now claims, almost a month later, that the payoff amount received was short approximately {$6500.00} because there is a different payoff amount for consumers versus third-party buyers, in this case the XXXX dealership. However, there is not any notification or indication on the consumer website that there are different payoff quotes for a VW Credit customer and third-party buyer. The XXXX dealership and I have both made attempts over the last 2-3 weeks to contact and discuss the situation with Volkswagen Credit but have been able to reach someone who would discuss or resolve the situation. Neither the XXXX dealership or me are interested in paying the difference in payoff amounts and are working to undo the deal made over a month ago -- where I've already made payments to XXXX. Now, I am in the position to have to make multiple payments to VW Credit to avoid any negative reporting on my credit report. In addition, this third-party buyer payoff policy essentially prevents consumers from turning in a leased vehicle to anyone but a XXXX dealer -- which seems like it is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I owe {$510000.00} on a {$690000.00} loan. I asked for PMI to be removed and the request was rejected because they claim the LTOV ratio is not 80 % or less. My LTOV is 73.97 %.

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 2019-01-16
Company: AES/PHEAA
State: MA
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 had my account for more than a year for the Public Student Loan Forgiveness Program. As of today ( XX/XX/XXXX ), they still have not provided me with how many qualifying payments I have. I have made repeated requests, and they still will not provide me with an email or response via mail. I recently became unemployed and they provided me with incorrect information and advised me to put my loan into Employment Forebearance. My loan should have stayed in the IBR plan with a {$0.00} amount due so I would still get credit for a qualifying payment ( this information was provided on XX/XX/XXXX ). When I spoke with customer service on that date I was told I had either 48, 54 or 57 pending qualifying payments. After a year, they still don't have a set number. I then called back on XX/XX/XXXX, XX/XX/XXXX ( after hearing back from my local attorney general 's office I was told to keep the loan in the IBR and requested it ), XX/XX/XXXX and XX/XX/XXXX. Each time in XXXX that I called I wrote down the employee 's name and ID ( they didn't want to give it to me ) and requested an email or letter stating what I requested. The employee told me they would send one but I have yet to receive anything. I have even spoken to supervisors with no recourse. At this point I have no choice but to put my loan into forebearance and lose out on qualifying payments. Their customer service is so confrontational that they make me physically and emotionally ill!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Quality Asset Recovery LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-06-02
Company: MoneyLion Inc.
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XX/XX/2021 XXXX was removed from my checking account from money loin- I didnt authorize this transaction. I called my bank to get the money reversed they where unable to return but gave me the transaction info regarding money lion. I have reached out to money lion twice a week for a month saying that they cant find the ticket that was created and forwarded to the fraud department- they said someone would contact me in 4 business days its been a month and no one has reached out to me and I have called them twice a week for a month with several people telling me there is no ticket to support my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Information belongs to someone else

Complaint:
The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE 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