BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
MONEYGRAM FAILED TO SIGN US UP FOR ALL VICTIMS FUND FOR FRAUDULENT MONEY ORDER AND SCAM TRANSFERS TOTALING {$100.00}, XXXX IN REFUND REQUESTED. 

SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 2 bills ( XXXX XXXX XXXX XXXX XXXX XXXX ) for XXXX  XXXX. I made payments on the debt until the the balance was paid off. I received statements that the debt was paid in full. FIRST FEDERAL CREDIT, continues to insist that I still owe {$25.00} for to XXXX  XXXX, but has never called me, return my call or has sent me a bill to pay. The account number they are referencing is XXXX, however the 2 bills I paid in full are acct # XXXX & XXXX. In addition the amount they say I originally owed is {$640.00}, which is the amount that XXXX  XXXX has stated I paid in full. I have disputed this 3 times and each time the XXXX XXXX XXXX says that it is mine and has not had to provide proof. I have proof that both of the above accounts were paid in full and I would like this derogatory removed from my credit filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Not XXXX XXXX or XXXX XXXX XXXX XXXX ca XXXX it wax update on there as that it incorrect

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 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have an FHA loan with M & T Bank that my husband and I used to purchase our home in XXXX. We paid as agreed for 5 years until my husband suddenly passed away in XXXX. He was the sole breadwinner in our home, and I am in dire straits as M & T Bank is moving to foreclose on me. My daughter lives in the home with me along with XXXX granddaughters and she does contribute towards the bills, but not enough that I am able to keep up with the mortgage payment. I have applied for XXXX and survivor benefits and have a hearing coming up soon, but will not receive any benefits until AFTER the hearing. I have tried to explain this to M & T but they have been very heartless. Their agents have called me wondering where the payment is, and threatening me with foreclosure and eviction. I then applied for help through the government FHA programs but M & T has not willing to work with me or consider me for any options. 

I have been told that M & T should be offering some type of " grievance forbearance '' due to the death in the family, where no payments are due for a few months in order to get my family affairs in order. However, M & T has not offered this option. I also know there are other types of programs including modification, partial claim and special forbearance, or even " suspended payments '' that could assist me during this difficult time. Once again, M & T Bank has not been willing to give me any help or any consideration for assistance. I assure you, once I have the XXXX hearing and benefits are awarded I will be able to resume making payments. I ca n't believe that M & T is moving so aggressively to foreclose on me instead of giving me a grace period or some consideration for my situation. I ca n't believe that this is allowed. I am sure this situation has happened before, I know they need to get paid on their loan but would expect some consideration and a fair negotiation.

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 2022-03-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Macy 's XXXX XXXX XXXX has a fraudulent charge of XXXX}. I tried reaching out for last 3 months. Macy 's XXXX XXXX XXXX can not solve it. On top of it. They charged me late fees and charges. 

I finally had to pay XXXX} for the charges that I had not even purchased. Macy 's fraud detection lines are mostly unreachable. I also tried through social media and no luck.

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 monetary relief
Consumer complaint received 2016-02-06
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was charged over {$15000.00} in bank fees in 3 months. My cash deposits were held as pending and fees accumulated due to the timing of the deposits. Holding deposits caused negative balances, NSF checks and many bounced check fees. A detailed review of my account listed the time of many transactions as " time not available ''. 

My account was set up for XXXX transactions. All transactions over XXXX are charged {$1.00} per transaction. I made several requests to have my account changed to an account that would accommodate more transactions, but the account was never changed. In one month I had XXXX transactions. 
Information about my account was provided to third parties without my consent, which proved damaging to my reputation. 
Requests for reimbursement of the fees were ignored and then finally denied with out any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
As of XX/XX/2021, XXXX XXXX XXXX XXXX is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in TransUnion, XXXX and XXXX respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. XXXX XXXX XXXX XXXX also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. XXXX XXXX XXXX XXXX also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by XXXX XXXX XXXX XXXX show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to XXXX XXXX XXXX XXXX REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and XXXX XXXX XXXX XXXX needs to be held accountable for this improper tactics.

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 2020-03-11
Company: ONLINE Information Services, Inc.
State: OK
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:
I was denied at XXXX  XXXX  XXXX  in XXXX, Oklahoma ( XX/XX/XXXX ) I have XXXX children my XXXX oldest live with me, I have never been arrested in my life and Im XXXX years old, Ive never been charged with anything I dont have a criminal record at all, I have a successful career I submitted an application and was denied because they said I had been charged with a controlled substance which is false, so they gave me the numbers to call I requested my Online Information Services I just received my letter today XX/XX/XXXX, and still homeless with XXXX children because of this. I paid to see my criminal record online myself as well and it had that the charge was placed on my record at XX/XX/XXXX just added a year ago I wouldve never able to purchase a firearm, I wouldnt have the career I have and been had if this was true theres been a terrible mistake and now me and XXXX of my children are homeles, but on the consumer report it has that I got charged in XX/XX/XXXX. If I really got charged why wasnt I booked why wasnt I given a bail where is my mug shot. This is false and incorrect I need it off of my record ASAP so I can get a place to live for me and my children. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On Thursday XXXX/XXXX/16 I attempted to sent {$200.00} to my Fiancee in XXXX on line by MoneyGram. I received an email saying that I should call MoneyGram to complete my transfer. I call an spoke with a lady who asked me many personal questions about myself including questions about my fiancee. I was told the reason why I had to call was because it was my first time sending money on line. I told her that was wrong it is my second time because I went through the same thing the first time. After answering all of the questions asked I received an email at XXXX XXXX saying : Your transfer has been sent. Give your receiver the reference # : XXXX and she will need the reference # and their Photo ID to pick up money. At XXXX XXXX I received and email from MoneyGram saying : Your transaction has been canceled and will no longer be processed and if I have questions to call them. I called them and the response was Money was not comfortable sending the money to your fiancee. What does that mean?. For the record I send the money from my bank account using my debit card. Why do I have to wait for XXXX to 10 days when the money was immediately debited from my bank account? What happens to my personal information that the employee of MoneyGram who was in another country asked me? What is the real reason for the cancellation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX I purchased a vehicle. Within 6 months I turned it in to avoid repossession. It was XX/XX/XXXX and I received a notice from Professional Bureau of Collections of Maryland , Inc that I owe XXXX for an old debt. I requested a letter of validation in XX/XX/XXXX. I just received it dated XX/XX/XXXX. It shows loan date of XX/XX/XXXX and then XX/XX/XXXX I believe is the turn in date. It shows no activity for 5 years then in XX/XX/XXXX it shows a payment of XXXX was made ( which I did not make ). Then no activity for 3 years and then it shows payments of XXXX each for 23 payments until XX/XX/XXXX. I made none of these payments. I believe they made these payments on my behalf in order to extend the statute of limitations. This account is 11 years old and should be well past the statute of limitations. It shows XXXX as the balance on page XXXX but on the letter it shows I owe XXXX for a vehicle I turned in after 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX Zelle  account to prevent unauthorized Zelle transfers. Once the agent verified my information, they initiated 7 Zelle transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent Zelle transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the Fraud department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the Zelle transfer had been sent to a XXXX Bank account with my name on that account. I have no association with the XXXX bank account and do not have a Zelle account with XXXX Bank. The thief was able to link my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your Zelle profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. The thief robbed me through an unauthorized transaction using my name and mobile number fraudulently on an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below XXXX XXXX  Last reported XX/XX/2022 {$4500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$4100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2022 {$2700.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$980.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$66.00} Open balance XXXX XXXX XXXX XXXX Original creditor 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( XXXX ) Reinvestigation required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently behind in my mortgage payments with PHH Mortgage. I live in Illinois and am currently sending my payments to PHH mortgage XXXX XXXX in XXXX, IL. Ive had problems in the past with PHH not posting the payments in the timely manner they receive them. Ive been shipping the mortgage pay via USPS priority two day mail. Ive made two previous complaints through this organization in the past. I recently mailed my mortgage payment to PHH on XX/XX/XXXX USPS priority mail. My tracking shows the XXXX XXXX. XX/XX/XXXX received the payment on XX/XX/XXXX at. XXXX. It is currently XX/XX/XXXX and PHH has yet to post the payment within a 24 hour time frame as they claim to do so with all payments they receive. My concern is this payment will not post within the legal time frame set by the state of Illinois. I did send an email to customer service alerting them that the payment was sent and received according to my documentation. My loan number is XXXX. A copy of the USPS receipt and tracking was emailed to PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Advanced Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted Advanced Collection Bu three times requesting validation of an account being reported on my credit report. Letters were  written and mailed to this company on the following dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020. This company has failed to provide me with any form of validation. When I spoke with a representative from the company I was informed that they will continue to report on my credit report. This company has also re-aged the account every month since I requested validation from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX  and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: FC HoldCo LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
back in XXXX of 2014 I purchased a car from XXXX XXXX. We financed our car thru FlagShip Credit Acceptance for XXXX. After about a year I decided I would take my tax return and pay the majority of the car off. I called FlagShip not only to find that they had transferred my car over to another company ( XXXX XXXX XXXX ), but my rates and payments went up. I was never informed of this until the day I called. They proceed to tell me I needed to make a payment because my monthly payments had gone up months ago. I was never aware. I went from financing the car for XXXX to having credit acceptance take over and them saying they changed the finance to XXXX. The car alone is only worth XXXX. After talking to legal aid they suggested I repo the car. I just had a baby. there was no way I could afford XXXX monthy rent, XXXX utilities, car insurances, renters insurances, car payment, and feed my family at the same time. I was only an XXXX when I bought the car and got promoted to XXXX after my daughter was born. Last week I spoke to XXXX from XXXX XXXX XXXX in XXXX, CO. He informed me everything that has happened between FlagShip and XXXX XXXX was not legal and they took advantage me. He then told me to contact you guys so I can make a 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