BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
My mother and I jointly obtained a loan from XXXX XXXX XXXX Mortgage on XXXX/XXXX/XXXX in the amount of {$6100.00}. I stopped by their office and the lady was very rude stating " It left my office this morning and I could not offer life insurance on your mother ''. She kept my mothers XXXX certificate although she said she could not offer my mother life insurance for this loan. I think that was age discrimination and a joint account means two incomes had to be provided plus my mother putting her car up for collateral. I do not think this company is treating me fairly and they keep reporting to my credit bureaus. My mothers car is available and she should have been offered life insurance on this loan. I am XXXX and only draw a little over {$800.00} dollars that is why they had to have two incomes and collateral. They have had my mother sign contradicting letters and it seems that they twist things around to make them look good and collect the money. The pay off on this loan is over {$10000.00} with the interest. That is more than I make in a year. Can you please help me deal with this company that has cheated and twisted things around so much? Thank you very much and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I have contacted   XXXX   XXXX  , ChexSystems,   XXXX   XXXX   XXXX   about fraudulent information contained in my consumer file with ChexSystems. Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SC  XXXX  Name :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   S.C.  XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XX/XX/2016    Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    ,  AL  XXXX  Reported Name   XXXX   XXXX   XXXX   Reported Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ,  GA  XXXX  Reported SSN :  XXXX  Drivers License :  ( Blank )  RTN :  XXXX  Account :  XXXX  Reported for NSF  : Am ount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.

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 2022-07-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have applied XXXX Credit card with Chase, and based on what was listed in their promo, I could get 140,000 points after I spend {$3000.00} within 3 months. They had a calculator within their mobile app to tell me how much I need spend more to get my points, and I used that number showed on it as reference. Once I saw I met the requirement, I stopped using the card. I didn't notice I didn't get the point until recently, and when I called Chase, they told me I didn't spend {$3000.00}, because there was a late fee, which didn't count as the consumption expense. 

I made my point with them clearly, I used their calculator as reference, and stop using the card when it showed me I spend {$3000.00} already, and now they told me I didn't meet the requirement. Their calculator didn't give the right calculation lead me lose the point, this is not my fault, it's unfair. I request them to provide the backend logic used for the calculator, and they promised me to send it to me, it has been 2 weeks since last call, I hear nothing. 

I want to say, their calculator mislead consumer, which directly lead me lose my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: MI
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:
Once again my complaint is about Equifax! The continuously remove and replace information onto my credit report. I have filed several complaints to them and on here. I sent them all the information they requested showing I have NO SUFFIX at the end of my name. They sent me an updated credit report and viewing my online account with them showing it was removed. within a month the suffix " XXXX '' was placed back on my account. I had to place another call to them on XX/XX/2109 @ XXXX XXXX, Confirmation # XXXX to have them remove it once again ... the person I talked to could see all my documentation in my file that I complied with Equifax 's request and could not explain how it got back on my credit report. On or about XX/XX/2019 the suffix was once again removed, But for how long?? 

On XX/XX/2019 @ XXXX XXXX ( same call ) I also asked them to REMOVE a consumer statement " I '' had placed on my file for a dispute for 3 medical bills that I paid. Confirmation # XXXX On or about 3 days later the statement was removed, as of XX/XX/2019 I have viewed my credit report online through Equifax and see the statement is BACK on there again. What the XXXX is going on with this company??? 

I was a victim of identity theft have submitted to Equifax a copy of a local police report and investigation and list of inquiries on my credit report that I disputed and that was NOT initiated by me. They REFUSE to remove them and told ME to contact the creditor ... WHY? Equifax placed them there, they don't show on my other credit reports through XXXX  or XXXX. WHY do I have to do their leg work. To be honest, I'm to busy Policing Equifax to make sure they are not screwing my credit report up. I am believing that Equifax is taking payoffs from credit companies to place misinformation on unsuspecting peoples credit files in order to charge the consumer more on interest rates and keep credit scores low. My credit score is always lower on Equifax that the other two reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

REGIONAL ACCEPTANCE ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00}

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 non-monetary relief
Consumer complaint received 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
MY CAR WAS IN A ACCIDENT WITH TOTAL LOSS.THERE WAS A REMAINING BALANCE OF XXXX AFTER INSURANCE COVERED THERE PART.My gap insurance is refusing to pay that balance due to me extending payments in back of loan due to covid.They stated the goverment didn't help them.The bank didn't charge me late fee 's, and did not consider me late .Please help me

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 2022-07-12
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. AD ASTRA RECOVERY SERVICE Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IL
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:
Equifax allowed my personal information to be stolen and did not inform me until XXXX 2017 ( 2 months after the incident occurred ) to be able to react appropriately to take the necessary actions to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Premium Credit Bureau
State: GA
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 recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by Premium CB XXXX XXXX XXXX XXXX XXXX FL, XXXX on XXXX XXXX, 2016. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into ( insert name of creditor ) inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XX/XX/XXXX and the funds for the vehicle were cashed in XX/XX/XXXX and the remaining balance was sent and cashed by the company on XX/XX/XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XX/XX/XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX - I received an email from Paypal stating that my PayPal account is permanently limited and no longer be able to receive payments or do anything with my money i.e {$7700.00}. 
I tried reaching them out customer service always said they are unable to help me with this and no longer will provide me any service. Their merchant department will contact me soon which they always contact me at the very wrong time when I am busy and they didn't even give me any warning or any kind of email stating if there is any problem. I sold electronics on XXXX and XXXX uses PayPal platform to run transactions so as a seller my money was paid by the buyer and they received the purchases product as well. After a month today XX/XX/XXXX I called them and requested to speak with one of the merchant associates names which they called me and the name of the associate was XXXX. I discussed the issue regarding my account limitation and what caused it. They explained to me that due to selling expensive item and it involves huge sum of money to be transferred they take a look at it as " high-risk industry '', I understand that selling expensive item can lead to dispute or other issues but therefore I never had any issues with buyers they always got the item they requested in a timely manner. If any buyer had issues I solved it right away with the help of XXXX, firstly Paypal has not mentioned anything about this with me before on this and one day they decided to take control of the money which belongs to me. While speaking to XXXX he said I have the balance of {$2400.00} that will be on hold for 180 days, and I tried to explain that I have more balance left in the account are {$5300.00} which he denied that he see none of that amount ( which Paypal have in their app shown in the attachment stating " manage goal '' which I use them to separate my money trying to keep my budget balance. He kept on arguing that I only have the balance of {$2400.00} and that only will be transferred to the bank and he is not aware of this PayPal " manage goal '' platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have done the money transfer by using Western Union on XX/XX/XXXX at XXXX XXXX EDT. WU have promised me that within 5 minutes I will get the call from validation department & after that my brother can collect the money in XXXX. Their validation department has not called me until now ( XX/XX/XXXX-XXXX XXXX EDT ). Because of their false promise, my family has a tough time in XXXX & I also had a sleepless night. My family was looking for money urgently. I had made several calls to them during the last 14 hours. They are saying same line again & again that I will be receiving a call from their backend ( Validation ) team. They have not kept their promise & now Im asking them to cancel this transaction then also they are repeating same line that I will be receiving call from their backend ( Validation ) team ASAP, this time they have added another word to the line that I will be receiving a call in next 24 hours instead of 5 minutes. 

I am paying transfer fee & they also earning from dollar exchange rate on their terms & still they are not doing what they are supposed to do. I do not have any idea how they can streamline this process & stop doing false promises. My hard earned money is on no man zone & you know the importance of money at right time for personal usage. 

Im looking for your help so that Western Union will return my money & should start respecting the consumer time & needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, coinbase has closed my account with no reason to why, I had {$600.00} in my regular coinbase account, but around $ XXXX in my coinbase pro account and now that account just doesnt exist. Im allowed to withdrawal my funds from regular cb account but I cant even access or find the coinbase pro account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is purposely not updating my XXXX XXXX account which is keeping my credit score extremely low. The last update was XX/XX/22 and they are stating on their website my credit score will not update again until XX/XX/22. This inaccurate information is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I sent a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM to Citibank on XXXX/XXXX/XXXX and they have 30 days to respond. 

They have sent two collections agency to try to collect alleged debt.

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 2017-09-03
Company: Amsher Collection Services, Inc.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In my credit report are reported XXXX XXXX accounts that do not belong to me since XXXX XXXX I have done research for a check to be removed from my creditol report Which are XXXX # XXXX balance in Loss {$1100.00} this was opened in XXXX XXXX and XXXX # xxxx in positive, this opened in XXXX XXXX reports that I had a credit limit of {$500.00} that does not belong to me either. Despite the efforts that I have made, it is not possible to verify or the credit bureaus are not doing the appropriate steps to verify who the account is and apply it to the right person. In the investigation carried out now in XXXX I found that the XXXX account in loss reports that it is being paid as agreed which instead of removing this amount continue to report incorrect information. there are also reported open accounts of used XXXX XXXX XXXX # XXXX bal in loss of {$760.00} that does not belong to me and XXXX XXXX # XXXX bal in loss {$630.00} that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I filed a complaint # XXXX Re : XXXX charging my credit card a {$50.00} " restocking fee '' for a phone that I bought on XX/XX/XXXX and returned to the same XXXX store on XX/XX/XXXX because it did n't work as promised. On XX/XX/XXXX I got another bill from XXXX advising me that they plan to auto bill my Barclay card for {$25.00} on XX/XX/XXXX. I called Barclay today and disputed this new charge. The case number is XXXX. I have emailed XXXX XXXX disputing both the {$50.00} " restocking fee '' and this new {$25.00} mystery charge. 
I DO NOT have a XXXX account, a XXXX phone, and I DID NOT authorize this mystery fee of {$25.00} or any other charges since the day I returned XXXX 's phone and closed my account, and ended forever my no-contract cell service with 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 2022-07-18
Company: EQUITY RESOURCES, INCORPORATED
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is INCORRECT. I have emails from the VP of the company saying this will be removed. Get this removed ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation