BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
After I disputed the items, I never received the results and I asked for the debt to be verified. Without a response

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 2022-04-29
Company: CMRE Financial Services, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX $ XXXXcmre financial services I don't use it an I told them this time after time Ic system XXXX $ i told them I never use are signed up for anything I disputed both of them but it still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2017 I friend of mine send money order through Wester Union ( WU ) With the tracking number XXXX. XX/XX/2017 I picked up the money for a total amount for {$1900.00} at one WU agent store in XXXX, CA. They did n't give me cash as they usually do, Instead they gave me XXXX checks XXXX for XXXX other for {$930.00}. So I took those checks and deposited them in my Bank Account. Next day XX/XX/XXXX, I received a call from my bank to let me know the checks bounced. Since then I 've been looking for an answer about what happened with WU and made more than 12 phone calls to their customer service line. They keep telling me is an Agent problem. I went 2 times back to the Agent Store they call to their Agent Service Line with WU and after a long wait both times, same story, they said the problem is with Western Union. As you can see I 've been running in circles with this XXXX institutions NO ONE TAKES OWNERSHIP of the issue and give me a concrete solution, they just said that I have to wait, But I ca n't just sit back and do nothing. I filed a complaint in Western Union complaint service with the case num XXXX no answer on their end. There are many wrongdoings in this case, I feel ripped-off. in the First, I went to a Western Union " Authorized Agent '' and they gave me BAD CHECKS why? Second, After so many emphasis Nor Wester Union Neither the Agent take ownership they keep bouncing the ball between them. Third I paid for an express service {$60.00} dlls fee, cause I needed they money urgently and Is time that I do n't have my money back yet. Even though the sender pay in cash and fulfill all Western Union policies last but not least, Wester Union and its agents may decline to accept or pay money transfer that either of them determines violates any applicable law or policy, But in this case they accepted the money and more over they paid it, What means everything was okey and according their policies and laws. So why I have to deal with not funds Check? This is a rip-off!!! 
Resume International Money Transfer in compliant with all Western Union Policies and Laws Amount {$1900.00} Dlls Problem : Bounced Check By on of Western Union Authorized Agent Money Origin XXXX Dated XX/XX/2017 Money Pick Up XXXX, CA Dated XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
A credit card was opened up in my name with numerous purchases. I was not aware of this until I seen the card on my credit report. I filed Bankruptcy in XXXX so I know my credit was n't great and had no need to check my report, but when I did and made the dispute with XXXX, Capitol One states I waited too long to report it to them. I then contacted Capitol one to report this fraudulent credit card. Capitol one will only issue credit for partial amount as fraud, this they say was because I waited too long to report it.. How was I to report credit card fraud for a credit card I knew nothing about? So my complaint is with Capitol One since they are making me responsible for the majority of the charges. I asked Capitol one for a copy of the statements from the time the card was opened in XX/XX/XXXX. This request was made in XXXX and I still have not receive them after calling numerous times for a request. In order to file the police report they said I needed proof of the fraud like the statements with the address where they were originally being mailed to. Capitol one will not even tell me if this was an online application or paper. How was this approved with my recent Bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The following hard inquiries in my Transunion report were not approved by me please have credit reporting company delete. I sent multiple letters to credit company and they were not deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company should also delete these accounts as they are showing wrong after multiple letters were sent : XXXX XXXX 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 2022-05-02
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no contract or agreement that I owe the XXXX or its collectors any money. I've disputed it a million times in person, email and via phone. 

Yet collections is now after me for amount I donot owe for the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
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 financed my car through XXXX XXXX. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month XXXX takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and XXXX XXXX  numerous times yet the late payments remain and every single month I am paying XXXX on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on XXXX of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance $ XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.

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 2019-12-16
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was pre-approved for the loan with " No Conditions '' by Banco Popular then after paying the Non-Refundable Deposit to the seller ; the Bank Loan Agent ( XXXX XXXX XXXX ) forced me against your will to make a payment to a third party ( not related to the loan ). They asked that I showed them I had been in dispute with them for over a year and to give all supporting documentations, I did so and sent them dozens of pages via email. 

The Bank ( XXXX ) then told me I was cleared to get the loan without having to pay this debt. However, only a few days after I paid the non-refundable deposit to the owner of the property, I was told if I didn't pay the debt in dispute I would lose the deposit, AND they would deny the Loan ( after being pre-approved with no conditions prior ). 

The underwriting team and XXXX told me that I was approved and would not have to pay this debt, I had no intention of paying a debt that had been in dispute, that was not mine, it was for a company I once owned and should have been agains the entity, but The Bank further stated if I did not pay the $ 18K+ debt immediately, the Bank would deny the loan and I would lose my $ XXXX deposit that already paid to the owner due to the time constraints in the purchase agreement of the home. I was very clear in emails and calls to the bank that I would not pay this $ XXXX deposit to the owner of the home unless I was sure I would be approved WITHOUT having to pay this non-related debt in dispute, they assured me several times that with my great credit score and income I would have no issue, they approved the loan with no conditions, then after paying the $ XXXX Deposit The Bank extorted me into paying a debt unrelated to the transaction. I would have NEVER paid a disputed debt unrelated to my personal finances if the Bank did not extort me to do so. It's apparent the loan officer was merely trying to close this deal, sold me on something untrue, and earned my trust to only put my back against the wall as she knew I had NO choice but to be forced to pay it or I would lose the home and the $ XXXX deposit to the owner. 
Furthermore, I have tried to fight this with my bank that is stateside, they have denied me many times, I am in Puerto Rico, I am working on filing a police report, and the police department also here made me feel like the harasser and would not allow me to file after a visit to my home and after I visited the police department they refused to allow me to file a police report so that I could at minimum receive temporary credit while I continue to dispute the transaction. XXXX XXXX by law is required to give a temporary credit and they have also refused to do so, I can not afford to get an attorney for this, I sincerely need some help please! 

Sincerely, XXXX 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 2017-04-13
Company: PNC Bank N.A.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My XXXX credit report shows an unauthorized credit inquiry from PNC Bank on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit at a Chase ATM on XX/XX/2017 in XXXX, CA for {$900.00} and the ATM only credited me {$800.00}. On XX/XX/2017, I withdrew {$500.00} to only receive {$280.00} from the same ATM in the same city. So in total I was shortchanged {$320.00} from XXXX different transactions that occurred from the SAME ATM. I expect a credit fo {$320.00} as this is in no way acceptable. When I deposit money at an ATM, I expect to receive no less than the amount that I deposited. Therefore, I would like a full credit for {$100.00} on the XX/XX/2017 {$900.00} deposit and {$220.00} for the XX/XX/2017 {$500.00} withdrawal. I do not know what is wrong with this ATM but I demand the {$320.00} be credited back to me ASAP as explained previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12
Company: GUARANTEED RATE INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am coming off of a forbearance and the mortgage company offered me a flex-modification. 

The flex-modification offer is supposed to offer a combination of extended payments and a lower interest rate. They originally indicated I was not eligible for the lower interest rate because my loan was behind before the forbearance. This was completely incorrect. As such, they did not apply the flex-mod rules correctly. Instead, they just extended the loan by 140 months ( over 10 years ) to give me a 2.6 % reduction in monthly payments. This adds {$380000.00} to the total cost of a {$400000.00} loan for a minuscule reduction in monthly payments.. It isn't reasonable nor doable. 

It's own instructions say that, if I can not afford the modification offered, that I need to call them to discuss other options that may be available. However, they will not put me through to anyone authorized to discuss this with me. The authorized individuals will not return my phone calls and the company will not provide any other contact information ( such as email ). I have called them five times, including requesting supervisors. Each time, I am promised a return phone call within XXXX hours. I have never received a return phone call. 

I have documented every call with them. I do not think they have any intention of talking with me and are letting the limited time I have to respond just run out. 

This is a Fannie Mae loan. The mortgage company is Guaranteed Rate, although I believe that the forbearance is being handled by another company contracted by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We paid off loan # XXXX with Statebridge Company, LLC in XX/XX/2015. I have still not received notice that it has been paid off. I have called them numerous times in the past and left messages regarding this issue and have not received any phone calls back. At the time of our payoff, Statebridge had messed up the amount owed so badly that I filed a complaint against them. After paying off the loan, I had spoken with a representative regarding this issue and they told me we still owed {$5000.00}. After clarifying that issue, which was very time consuming and involved getting our new lender, The XXXX, involved we received notification from XXXX XXXX of Statebridge that we did not owe anything and the loan had been paid in full. We were informed that we would be receiving notification in the near future. I have never received any notice that this loan had been paid and am concerned about when we try to sell the properties in the future that are on this commercial loan. As mentioned earlier, I have contacted them several times since XX/XX/2015 and my requests go unanswered. I am aware of numerous other complaints against this company and am quite surprised that they are still in business. The loan was in the name of my business XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Failed to pay property taxes after 5 phone calls to bank. They denied they did anything wrong and told me to dismiss delinquent notices due to the fact they paid the taxes. However they never sent me proof that they were paid. I pay my taxes in my mortgage and today received a certifed letter of delinquency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Saturday, XX/XX/XXXX I applied for an Ulta credit card in their store in XXXXXXXX XXXX. They said because their address for me was outdated that the bank was going to contact me for more info. 30 days went by and they never did. I also received nothing in the mail. I called Ulta and was told that my credit file was locked and that I needed to call XXXX which was the only of the three agencies that showed the hard hit. I contacted them and they confirmed it was never locked and I also found this on their website when I logged in. Not to mention I had received a Victorias Secret credit card ( same company ) the month prior. I was told I needed to contact Ulta back and they would need to remove the hard hit and then I can try again to apply and they can try pulling it again ( I did not want Two hard hits, especially considering they last two years ). I was transferred to an automated line confirming that I would receive mail correspondence within 30 days from applying which clearly I never did hence my call ). I called Ulta again and again and no one wanted to help and kept transferring me to this obsolete line. I had to ask for a supervisor. I was told to write to Ulta and I waited another 30 days. Crickets. I sent them proof of the hard hit and proof of my over XXXX credit score. I also included proof that my account was not locked. I just want the credit card or I want the hard hit removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: MINNESOTA LIFE INSURANCE CO., THE
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am working with XXXX and I have four creditors calling as much as 15 times a day all hours, nights and weekends. Personal Finance XXXX KY., XXXX, XXXX KY, XXXX, XXXX, XXXX, and XXXX Bank. I also work in collections and with all the calls and the hour before XXXX and until after XXXX and on Sundays. They leave messages, and still call back more than what the FDCPA guidelines allow. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had XXXX SallieMae loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to SallieMae, and XXXX was later turned over to XXXX. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both SallieMae and XXXX. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with SallieMae. The same thing happened with the XXXX loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical debt that was paid with the original provider. they have excessively called my phone and been very nasty in their tactics. By placing my personal information on my report it has negatively affected my financial state

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