BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: GreenSky, LLC
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
A loan was taken out in my name. I was sent a letter saying I had taken out the loan when I had not. I called to learn more and was asked to provide my social security number, I did not. Then I got a letter saying I owed on the loan I never took out. I wrote the company to dispute the loan. I then got a letter saying I would be reported as not paying the debt. The debt was on my credit report. I disputed this in writing, filed a police report, put a fraud alert with the credit agencies. The company is Greensky Loan Services. Located in XXXX, GA. The company number on the credit report does not go to a working number. However, after I called, someone called me back and said they had received 1 of my written disputes. They again asked for my social and asked me to fax the police report. I did this. It seems odd that this company created a debt, and reported this to the credit agencies. It may be a case of stolen identity, or it may be a scam by this company Greensky.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Netspend Corporation
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I submitted a complaint in regards to NETSPEND prepaid card or XXXX which ever it goes by and I receive a message that stated for me to tell you what the issue is. I thought I was clear as to what the issue is. However, I will spell it out so it is not misunderstood. I have bee requesting a copy of my monthly statements for over 3 months. I was asked to fax information verifying my identity as I am a victim of fraud and identity theft. I provided this information to XXXX XXXX, the same person referenced in the first complaint. There was money missing from the cards that I expect them to pay me back and I want to see all of the transactions. XXXX state I had XXXX cards in my name. I NEVER had XXXX cards. The issue is I want all of my statements as it is within the 7 year statue and I want my money refunded to me. These are government funds as I am XXXX. I hope you can understand now what the issue is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft and I sent a letter to the 3 credit bureaus with the police report and ID theft affidavit to have the unauthorized accounts and inquiries removed from my consumer report. This was done XX/XX/2021. XXXX XXXX completed the removal of the unauthorized accounts, however XXXX  and Equifax still has the items on my reports. The results of the investigation by those bureaus was sent to me as verified. I have reached out to them to provide physical proof and provide the method of validation and they still havent responded. I need these erroneous and unauthorized accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Risecredit, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I entered into a debt reduction program. Cease communication papers were filled out and sent on. I have also sent them messages with the phone number of the credit counseling firm. I asked that they call them instead of me. I am still getting at least 5 calls a day. Sometimes 8 to 10 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Progress Credit Card. This account is closed and paid in full. I disputed the account through XXXX asking them to remove the account from my credit report because it is having and adverse affect on my credit scores. I received a message saying they verified the information was accurate. I was not disputing any inaccuracies I simply wanted the account removed because its old and closed and I have no desire to ever open another credit account with them therefore I would have liked for them to remove this information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I sent a cease and desist letter. I have ask for an itemized statement of what they say I owe. No response and they keep harassing me. 
I have sent an invoice of the amount they owe me due to violations. They have sent numerous letters, emails, text messages, and phone calls using threatening language ( 15 USC 1681 ) that my account will be charged off etc. Because of their reporting they have also ruined my reputation by reporting to the credit bureau without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I noticed there was money taken out of my account without my consent. On XX/XX/2021 someone was able to withdrawal {$1000.00} out of my account without having to use my BOA debit card. Then the person did it again on XX/XX/2021 with the amount of {$780.00}. I couldn't believe what I was seeing. So I contacted Bank Of America with the number provided on the back the Debit Card and spoke with them about this situation. The person I spoke to said they will send me a replacement card and they will do a investigation. I just would like some help to resolve this issue because money was stolen out of my account. I never give the pin to the card to anyone, but myself. I really need that to buy food and pay bills. I am really stressed out. 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 monetary relief
Consumer complaint received 2015-06-14
Company: Risecredit, LLC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Rise Credit, which is the company I acquired this loan from has been harassing me for almost three weeks now. I took out a small loan of $XXXX, after the interest the total payoff is almost $XXXX
I have only missed XXXX payment, after almost XXXX on time payments and ever since the missed payment they have been calling me non stop, almost XXXX times a day between my personal phone and work phone, which they were told they are not allowed to call.
My work has logs of the number calling, they call about XXXX an hour and when we pick up they don't say anything and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Date : XX/XX/2021 Time:XXXX ( Mountain Standard Time ) Amount : {$200.00} destination : XXXX. 
I was sending these funds to my brother for a funeral. I received an email confirmation that the transaction had been sent successfully. 
Date : XX/XX/2021 Time : XXXX ( Mountain Standard Time ) Email notification from Moneygram : Transaction had been canceled.

I called Moneygram and they said that the receiver had rejected the funds. 
I called my brother and he stated that he did not receive any notification of the funds I was trying to send. 
Complaint : 1. Funds were removed from my account immediately.

2. The transaction was canceled by Moneygram 3. Why are the funds not returned to me immediately? Why do I have to wait for 3 to 10 business days to receive my funds when Moneygram is responsible for intercepting and canceling the transaction? 

My personal thoughts on this : My brother is a banker in XXXX. He informed me that there are people in IT who intercept transactions to trade ( Bitcoin/cryptocurrency trend ) and make profits before returning funds to the consumer. This is wrong if this is what happened here. I request that this be investigated because if you look at complaints that have been sent to XXXX and other platforms, more and more people are coming forward to say, something is wrong with Moneygram.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Williams, Rush & Associates, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX, a company that I worked for, sent a loan that I took with them to attend a XXXX XXXX, to a lawyer group within a week or two of me leaving the company. That lawyer group then contacted me telling me I had to give them XXXX % up front, then pay {$250.00} a month, otherwise they would file a lien against my XXXX preventing me from being able to obtain a job using my XXXX. When I told the lawyer group, Will Rush, that I was unable to meet those terms, they said I should borrow money from someone in order to do so, because they were going to file the lien if I was unable to. The lawyer group refused to work on a reasonable repayment option with 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 2015-05-27
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I, have been getting notices from Dynamic Recorvery Solutions, LLC saying that I owe XXXX XXXX Dollars. Aparently when I have spoken to this company back in XX/XX/XXXX, This was a loan amount from XX/XX/XXXX. However, I never used XXXX for a loans. I have asked this company to stop contacting me on this matter, and I have spoken to XXXX. And was told by XXXX that this matter have been resolved. I spoke to XXXX Regional Offices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27
Company: Risecredit, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a a few loans with RISE. Last month when I looked at my credit report I had XXXX inquiry from this company now I have XXXX and they all are dated for different months in the same year. I understand that the company will pull my credit to approve the loan, but they can not place the inquires on the file 10mos after the loan has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: NV
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 try to get all three of my credit history from XXXX  XXXX  Experian and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to

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 2016-01-18
Company: CREDIGY USA CORP.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX XXXX XXXX in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA took over my simple.com account and now I am locked out cant login and access my funds. Their telephone support lines left me on hold for hours and hung up on me without a single interaction with a human

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Local Management, LLC
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A fraudulent credit card transaction ( XXXX ) was made to my Macy 's account while I was on vacation ( XXXX XXXX ). At this time, my balance was zero. I only use the card at Macy 's and use is sporadic. Due to changes in the Macy 's website I was unable to get online and check the account and had statements received electronically only. In XXXX, I received a new card from Macy 's, but was unable to verify the card due to problems getting online and could not activate the card until I called them. The card was activated, but I was told their was an unpaid balance. Since I had made no charges, I asked for paper statements. I called back to say the charges were fraudulent. I was told the charges would be removed while investigations proceeded and to call back and verify in ten days. Called back and they had no record of this call, so I started over and filled out their forms for fraudulent charges. Got a new card. Ca n't access most portions of the bank website, nor use the card for Macy 's transactions. Talked to tech support who indicated the account was locked. The XXXX statement balance was XXXX due to fees of XXXX the balance was transferred to the new card and the XXXX statement was XXXX. They credited the XXXX and XXXX of the prior interest and fees, and said I owed them XXXX in fees and interest that was not disputed. But these are related to the fraudulent charge. I have called and talked to XXXX individuals and sent XXXX secure messages, and written letter on XXXX XXXX, but they say they will remove these fees but never do. so the account remains locked and the card unusable. I HAVE NOT USED THE CARD SINCE XXXX. THE BALANCE SHOULD BE ZERO. I keep getting different numbers to call, all of whom claim to have fixed the problem but nothing happens. I have missed the holiday sales as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there are two alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I had moved and have not been getting any bills, however my phone number is on file, because I 've order items prior, and subsequent to moving for in-store pickup, and I 've received text messages from the company for confirmation. I have been reaching out to Macys via phone and email to pay a store bill for months.It is obvious that they have changed how they conduct business, because it is quite difficult to speak with their representative. I have been left on hold for lengthy periods of time, had the phone hung up because they claim they can not hear me ( bad connection is on their part, because I 've called from different lines ), I 've had a " supervisor '' abandoned my call, by telling me to hold, then placing me back to their automated system.I have left messages for supervisors to call me, to date no one has given me a call.All I 'd gotten is an automated response after emailing them, informing me that someone will contact me, no one has.They have reported my name to the credit bureau, that has caused my credit score to decline.This is quite unfair, because I have been reaching out to Macy to get the bill settled before it escalated to that. I 've called numerous times, and I 'm always being given conflicting info regrading my account balance. I 've been told I owe various charges, and that I have XXXX late payment fees ; which could not be the case, because the bill is not owed for 6 months.When I ask to speak to supervisors, I 'm being transferred to regular agents who can not assist me.I need for all late fees and interest rates to be taken off my account, so that I can pay the initial balance of {$72.00}, and to have my name removed from the credit bureau.I have asked for an address to dispute these charges, and was told that they do not have any address, so I would like your assistance in how I should proceed in getting this resolved.

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 2021-05-12
Company: Diverse Funding Associates LLC
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Capital Link Management, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, XX/XX/2021 about XXXX XXXX  CST the collector sent a text message to my brother. It detailed how much I owe {$2000.00} and it says how much they are willing to take, {$1600.00} which would be payments of {$130.00}. I have attached a screenshot of my brother 's message he forwarded me and the message he received from the collector. The loan was through XXXX  and the debt collection agency that picked up the debt and texted the information to my brother is Capital Link Management

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation