BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: Remitly, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Remitly has never completed a transfer to XXXX. They claim that their partner, XXXX XXXX needs to provide a clearance. I obtained all required clearances from XXXX XXXX and they say that there is no issues on their side ( have emails to prove it ). Banks in XXXX tell me that they do not work with Remitly or XXXX XXXX. However, Remitly promises on their site that they can transfer to any Bank in XXXX in 3 days. The last issue I had was on the XXXX of XXXX when I sent three transfers totaling XXXX US. They never arrived. I had to cancel the transfers after a weeks of being in pending status. They took 10 days to put the money back into my account. Then they asked me to try again. On XX/XX/XXXX I tried again. We had the same back and forth with Remitly claiming that the hold-up was with XXXX XXXX in XXXX. XXXX XXXX tell me that all is ok for the funds to be transferred. the money has been with Remitly since XX/XX/XXXX. The transfers were cancelled again and I was notified that the money will be in my account in 10 days. 

Remitly know that they can't complete the transfer and they keep inviting people to place transfer with them. Once you are stuck with them, they keep the remittance funds and only return them 15 days later. 

Their scam is to get people 's money and claim that their partner has issues to delay the funds with them and use the while they distract the user with excuses, they use the money and then return it without interest two or three weeks later, depends on how long the manage to keep users waiting before they cancel their transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Planet Home Mortgage is refusing to defer mortgage payment for clients due to economic injury the nation is experiencing as a result of COVID19. They are only offering forbearance which will make a lump sum of 3 mortgage payments due in 3 months.

This is against the Government stimulus package and does nothing to help us. We are asking for a deferral of our payments as other honest lenders are doing, such as XXXX. 
So far, XXXX XXXX XXXX are deferring payments for 120 days. 
Planet is simply accumulating the payments for 3 months then forcing a refinancing when we havent been able to save up 3 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Experian Information Solutions 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:
XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.

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 2022-12-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a loan through Wells Fargo auto from around XXXX. I never missed a payment on it until covid hit. I started working for myself in XXXX and after the stay at ho.e orders and everything else going on, I lost a lot of business due to uncertainty with customers. ( I do XXXX XXXX ). I would make my payments over the phone. I requested a deferment and received one. And then requested another one after that. I was confused because I got conflicting answers about whether it was approved or not. After awhile I started to pick a little work and was trying to make a payment on my truck and the phone service wouldn't allow.me to because apparently my account was closed or something. I would try calling them on the phone but they don't have a voice messaging system.I have proof on video of multiple attempts to try to reach them. I went into a wells Fargo branch and they said they couldn't help me because they are separate entities. Later on I had a tow truck guy try to take my truck out of my parent 's driveway, I convinced him not to. I talked to the bank after this and they said my loan was defaulted and I had to pay in full or it would be repossessed. The full loan amount was around {$18000.00} and I owed about {$4400.00} when they said it defaulted. I borrowed money from my mother and friend to pay it off but was told that their " system was down '' .after more back and forth another tow guy showed up and took it and I had given up at that point. They didn't let me get my personal belongings out of it and they auctioned it off for {$2100.00} in a private auction. The XXXX XXXX value was {$10000.00}. And it was in very good condition, I had just put a lot of work into it. I requested receipts of all of my payments and the auction information around XXXX XXXX XXXX and never received a response. I finally got a letter a month ago saying the remaining debt was canceled but nothing else. Wells Fargo also closed my savings and checking accounts after I requested a fraud investigation ( twice ) and never got a response from them. Just phone calls of them telling me I owe them money. They have ruined my entire life at this point. There is more to this story and I have a lot of evidence from all of my claims. I haven't been able to afford an attorney or even the down payment for one to declare bankruptcy. I hope I hear back from someone because Wells Fargo turned my life upside down and they need to be held accountable. Thank you for reading my complaint. I'm glad to know I am not the only one this has happened to and I know others have had it worse like losing their home, luckily my parents have let me stay with them throughout this whole mess.

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 2020-03-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I reached out to THEM ( THEIR EMAIL ) through XXXX as the XXXX profile they were pretending to be ( a young woman that I recall called themselves XXXX XXXX ) said on a XXXX XXXX XXXX page that they had tickets they were trying to get rid of because other things came up. 

They told me to send {$30.00} for the tickets through PayPal and I did so. After a few minutes of sending the money with no response, I figured Id been scammed. I went to PayPal to cancel the transaction and was not able to do so. 

That night I filed a complaint with PayPal. This morning ( XX/XX/2020 ) I received a confusing email that my claim was denied. However, the email stated that money had been sent to my account MY EMAIL. This however is wrong in two ways. The email should have said the money was sent to XXXX account if my claim was denied. The email is copied below. 



Hello ME, We have completed our investigation regarding the money transfer you sent on XX/XX/2020. You submitted your claim because there was a problem with the remittance. 
We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated* {$30.00} USD*would be transferred to MY EMAIL no later than XX/XX/2020. According to our records, * {$30.00} USD*was delivered to MY EMAIL on XX/XX/2020. Because the transaction completed correctly as disclosed, no error occurred. 
To request a copy of the documents that we relied on in making this decision, please email us at [ XXXX ] ( mailto : XXXX ). 
You can also mail your request to : PayPal , Inc . 
Attn : Error Resolution Department XXXX. XXXX XXXX XXXX, NE XXXX In your request, include your name, the email address on your PayPal account, and the Case Number provided below. 
The case has been closed. If you have any questions regarding the processing of this dispute, you may contact us by sending an email to [ XXXX ] ( mailto : XXXX ) or by phone at [ XXXX ] ( tel:XXXX ). 
If you want to send a new money transfer, please log in to your PayPal account to send money. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * Transaction Date : XX/XX/2020 * Payment Amount : $ XXXXUSD * Recipient : MY EMAIL * Transaction ID : XXXX * Case Number : XXXX Sincerely, PayPal I believe this information should suffice to get my money back. 

Thank you and please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was incarcerated on XX/XX/XXXX until my release XX/XX/XXXX, and this dent is from XXXX or XXXX of XXXX. I couldn't have opened this account while I was in prison in Indiana

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt is not mines the creditor continues to remove it and reinsert it back on my credit with a new open date.

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 2022-04-11
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
National Management Recovery Corp. violated FDCPA by contacting my place of employment under pretenses as a court judicial system attempting to serve a subpoena for criminal activity. On XX/XX/2022, I received a call from my employer indicating National Management Recovery Corp. contacted them with a case number to appear in court about three cases being brought against me. I have never received any phone calls, letters, or emails from National Management Recovery Corp. ever acknowledging themselves as a debt collector and attempting to collect a debt. The first time speaking to anyone within this company was on XX/XX/2022, when I contacted them based on their fraudulent allegations. The representative described themselves as a pre-trial law office and gave my employer the same case number. The representative went on to say, I am being sued in court for a payday loan under the company of XXXX ; a payment is needed right away to rectify my account, as they are currently charged on XXXX counts of fraud. I asked for clarity if they were a law firm and the representative continued to state they were only a pre-trial company. I asked the representative for transparency to provide which judicial entity this case is filed? They responded with the listing of the county in which I reside. I asked for clarity if the case number they provided was a legal case number from a court order or subpoena. The representative stated that the case number was not from any judicial system but their filing metric. Please make individuals aware that these tactics are not only harassing but more so illegal under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted Equifax on XX/XX/2016 ; to dispute the account, and as of today, XX/XX/2016 ; I have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: JPMORGAN CHASE & CO.
State: MA
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/XXXX, a fraudulent charge was made to my Chase Saphire card through a food delivery app called XXXX. This is an app that I regularly use and has my credit card stored in it for purchases. On XX/XX/XXXX, my XXXX app was hacked and the fraudster made an order from a restaurant in XXXX, OR for {$140.00}. Once I was made aware of the purchase ( the following day ) I contacted Chase Bank who immediately removed the charge, canceled my current Saphire card and issued a new one with a new number. Then on XX/XX/XXXX, the charge for {$140.00} showed back up on my statement. As a result, I've made several attempts at contacting the Bank and have been placed on hold and ignored. I called on XX/XX/XXXX and never reached anyone - after waiting on hold for an hour and 12 minutes. I then tried to reach them via their XXXX  page, which states a rep will respond shortly - no one ever answered my inquiry despite leaving a detailed overview of my issue and what happened. On XX/XX/XXXX, I did reach a representative, who reviewed my account and stated " the wrong department handled your claim initially - I will have to forward you to the fraud department, the wait till be between 10-20 minutes. I am now going on 87 minutes of waiting and have yet to be helped. This issue should have been resolved on my first phone call on XX/XX/XXXX. This is fraud and the bank 's handling of this is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a Care Credit card to pay for my dental work, having not been told that a very high interest rate for the total amount would be added to my account after one year. The interest was $ XXXX+!!!!! I called to file an extension and was given more time, since I had no idea that this was the case. Nine days after the extension date, I called to pay the amount in full of {$1800.00}, they said that I would have to pay the interest too. I worked massive overtime to come up with such a large chunk of money, only to discover they would not honor this. They were also incredibly rude. They said a supervisor would call me back within 48 hours, and of course, no one called me back ever. This company should be shut down for scamming people!

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 2017-05-24
Company: EQUIFAX, INC.
State: NC
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 sent many letters in regards to errors on my credit reports .... They have not responded to my request ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX XXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have opened Citibank Account Package ( including interest checking and savings accounts ) and enrolled to Citibank {$400.00} Checking Offer. 
Owner of the eligible accounts must make the Minimum Deposit in New-to-Citibank Funds, within 30 calendar days of checking account opening according to the Offer Terms and Conditions. 
I received only a banks confirmation letter dated XX/XX/2020 to prove my checking account opening. I didnt receive any other information of account opening, which is confirmed or contained a particular date. 
Based on this date i made a minimum deposit of {$15000.00} ( wire transfer ) on XX/XX/2020 which was the latest appropriate date within the 30-day period. 
However my first bank statement indicated statement period from XX/XX/XXXX to XX/XX/2020 that means my accounts was opened on XX/XX/2020 and Im not eligible to the Offer because my minimum deposit was late. 
Thats absolutely doesnt match all the information bank provided for me. 
Citibank doesnt provide me with important information about my accounts on time, all procedures during accounts opening was confusing and not clear to understand my rights and obligations. 
I tried to talk about the issue and wanted to confirm my eligibility for the Offer with Customer Service by email. Citibank representatives refused to explain my eligibility and didnt resolve the problem. 
Citibank answer : We understand your promotion eligibility inquiry. You will need to wait the promotion fulfilment time frame, which is up to 120 calendar days from the date to all the terms and conditions were met in their entirety.

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 2020-03-27
Company: Phoenix Financial Services LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt was owed. It was late. I received collection contact, verified it by going to the creditor 's site who still actually owns the debt, and paid the bill. The bill was acknowledged as paid by the hospital involved and subsequently also _in writing_ but as recently as only roughly two weeks later they continued to file derogatories on my credit reports with all the credit agencies, citing the paid item as unpaid and the item, which was pulled from collection, as still in collection. Contacted the XXXX and filed a complaint but the behavior continued. 

This company seems to lack any basic intent to engage in honest business. If a debt is paid, acknowledged by both them and the creditor, the collection activity, including filing collections with credit agencies, etc. should cease. 

The debt is paid, they can not collect on it twice, it has been acknowledged as paid by all relevant parties. It's not a huge amount and I could let it fall off. It's ruining my credit score which I take to be deliberate even though they have nothing to gain from doing so financially. 

I think they are generally dishonest and incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2020-03-26
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$300.00}

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