BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have been trying to send a money transfer of {$120.00} XXXX to XXXX for the 2nd time after having to cancel the 1st time due to pick up delays. Basically, although the transaction shows as " ready for pick up '' in the online app, and Moneygram has even collected the funds from my account, my sender has been unable to pick the money twice at large banking institution ( XXXX ) affiliated with Moneygram International. The recipient is basically being told that the number most be incorrect. Then, after having to send recipient the number for pick twice to no avail, I had to called the service line and to my surprise again they needed to verify my identify apparently due to suspicious activity. At the same time, I was transferred several times from the Hold Dept. ( Rep. named XXXX ), then Online Dept. ( Rep. named XXXX ), and finally they wanted me transferred back to Hold Dept. when I decided to end the call, and file this complaint. 
The issue is that this is not the first time that I have to verify my identify, and it seems that Moneygram is not taking any steps to update their system after having re-verify my identity several times before. And, I am instead being told that this issue will persist and that they are sorry, which seems unfair to to say the least especially when we are talking a mere {$120.00} XXXX. 
Bottom-line, I know of no basis to put me or my family through this needless hassle, and basically labeled as a " bad actor '' each time even after releasing the funds, and re-verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I applied for what was advertised as a " payment plan '' on a monitor I bought on XXXX. It was actually a credit card through TD bank I found out after. Very confusing advertising, wouldn't of applied if I had known. Anyway I bought the monitor for a total of {$510.00}. The payments were supposed to be equal monthly payments for 24 months interest free at {$21.00}. I never received anything after that, no bill or card from them. I got a call on Monday, XX/XX/2023 from what was labeled as TD bank. It was marked as spam so I called TD banks XXXX number from their website back. Spoke with a representative and explained the situation. We reported the card lost/stolen and she updated me email address to I would get updates. I tried to make a payment of {$64.00}, she said I had to make XXXX and XXXX payment plus the late fee to bring it up to date then they could waive the late fee. She then said she couldn't take it because the account # was blocked when we reported it lost and to call back. I have been trying for over an hour to get a hold of someone today XX/XX/2023. I keep getting transferred saying it the wrong place in TD bank and they will transfer me to the correct place. I have been now transferred 7 times with about 10+ hold times everytime. I still do not have a statement or card and now I can't even get to the right department. This shouldn't be that hard. I need someone to help because I do not have time to do this and they should be sending out statements properly and cards. There should be some process for handling situations like this because I am sure I am not the first. It is not fair to me that I am forced to sit here on the phone for HOURS trying to fix this because they do not have a proper process in place. It either sit here or hang up and wait for the new card that will hopefully arrive this time so I can make a payment before it is reported to the credit bureaus. I am really regretting doing the 24 months plan. I also think they need to update the discription of applying to let the borrower know that this isn't just a plan it's an actual CREDIT CARD not just XXXX XXXX... .it 's very deceptive and states no where about it being a credit card even in the fine print. To me it looks like a one time loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24
Company: B&F Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
they call me at work text me call all my refrences even when im less then 30 days behind they call before XXXX and constantly like 4 times when i do not anwser

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I ' am have a problem with M & T Bank, now my husband and I do not have that much money to speak of but for some reason M & T is charging us over draft us overdraft fees of {$38.00} for transactions that should come out when you make that transaction and when I check it on line it is pending, but the next time I check which sometimes is the next day or few days after we are charged these fees for overdrafts. I do my banking online and sometimes I get message stating that the on line banking will be down because of updates and every time this also happens I get every more overdrafts, we also get overdrafts on the same day that my husbands direct deposit goes in even if it is with in mins of the transaction happening. So last week XX/XX/2016 I got my XXXX check there was two hundred and some $ of overdraft fees which crossed as my check was being deposited. It seems to me it is every time we have a direct deposit or they do an update it costs us so much money and I thing this should be checked out, I did call their service department and asked them why this was happening and she said " I do n't know what you want me too do you need go in and talk to someone at your bank " will why are they called the Customer Service Department? Like I said in the beginning we do not have that much money and we come really close in my banking but it is coming to much of a pattern and I think this should be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX To my knowledge and records XXXX the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Also See Identification Below ) ( Please see attached dispute letter to view the accounts that I am disputing ) ( Please see attached fraud affidavit )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX. I received a notice stating a legal action would be taken on a debt that I dispute. On XX/XX/XXXX, I mailed out a letter replying to notce. I openly disputed debt. ( please see attached ). 

On XX/XX/2019 at approximately XXXX XXXX, a representative of Nelson and Kennard left a Court Summons on the front porch floor of my home address. A neighbor and cameras have the man recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! 
and the bills are just less than {$100.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have XXXX medical debts that were not paid by my ex spouse without my knowledge prior to the divorce. Now I am earnestly trying to correct this and want to pay the debts in full in exchange for the collection being deleted from my credit report. XXXX XXXX & XXXX are very resistant to removing the collection from the credit report and communication is impossible. I have called them, written letters and had the original doctor 's office contact them on my behalf. They will not accept full payment in exchange for credit report removal of the collection. What can I do to not be a victim of the Collection Company just as I was a victim of my ex spouse. I just want to improve my credit rating.!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any information about this debt from any creditor nor the debt collector. I only became aware of this debt through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
For 12 Months Straight, Heartland ESCI has sent incorrect paper invoices via mail including late fees. Upon calling the company, they apologize and tell me to disregard. However, online the account is showing there are no late fees. It is getting aggravating to continuously receive paper invoices of incorrect amonts and stating I have late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: LA
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 investigated incorrect information on my credit file with Equifax. 
Equifax allowed XXXX XXXX and XXXX XXXX to change the date of the last payment that was received. I requested for Equifax to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
date of XXXX delinquency was XX/XX/XXXX. 
2.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Uprova Credit, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an email this morning stating that I applied for, a was approved for, an {$800.00} loan through Uprova. I have not applied for a loan through them and the banking information attached to the documents is not my information. 
The name and address are mine but I DID NOT apply for this loan and do not want to be responsible for it.

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 2017-09-11
Company: WELLS FARGO & COMPANY
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am writing to notify you of inappropriate and harassing phone call patterns from Wells Fargo Dealer Services, the outbound collections department. To state that I am frustrated and angry would be a serious understatement. Each month I pay my monthly payment after the due date, but before any 30-day past due period ; included in those payments are extra funds for the purposes of late charges. 
I have previously submitted an online complaint regarding these calls to our work and cell phone numbers ; but, that apparently makes no difference. I am revoking express consent to contact us on either of our cell phone numbers. Please ensure cell phone numbers XXXX and XXXX are removed from Wells Fargo 's system of record. Future calls made to these numbers will be documented. Additionally, please remove the XXXX and XXXX work phone numbers from Wells Fargo 's system of record, as neither of us are allowed to receive phones calls while at work. I am writing to formally request that Wells Fargo Dealer Services take the above noted phone numbers off the outbound collections auto dialer and to only communicate with myself or husband via written correspondence or via our home phone number at XXXX. 

I look forward to reviewing your written response to my concerns and requests.

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 2020-04-14
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am the XXXX XXXX XXXX  XXXX and trying to assist Mr. & Mrs. XXXX in collecting their money from Direct Express. Mr.XXXX  is an XXXX year old veteran and has been deemed incompetent by the VA. His wife XXXX has been named his fiduciary. 
In XX/XX/2011Mr. XXXX began receiving service connection benefits from the VA. He had these funds deposited monthly to a Direct Express Card. Due to his forgetfulness he put the card up and did not tell his wife he was receiving the money. His wife did not realize what was going on until I began to work with them. These benefits have been accruing since XX/XX/2011but XXXX XXXX refuses to give his wife access to the account since she is not on the account. As per their instructions I sent XXXX fiduciary letter, marriage certificate ( wife ), birth certificate ( wife ), NC Drivers License ( wife ), copy of original Direct Express Care and VA payments screens. Direct Express said that was not good enough and hung up..Direct Express requested to speak to Mr. XXXX but he is in a memory facility and deemed incompetent. Direct Express is not willing to help at all!. I even asked how to add his wife to the account and they hung up on me. 
Any assistance you could give would be helpful. Mr. XXXX desperately needs these funds to pay for his XXXX home care. 
The VA is unable to assist because the funds were deposited correctly. 
For additional information you can reach Mrs. XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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: Information belongs to someone else

Complaint:
I am writing you in regards to an account that I have been trying to get information to validate that I am responsible for this account with portfolio Recovery. I sent my first request to them on XX/XX/2121. They have not yet sent the information I requested. I sent a request to cease and desist reporting this invalidated information to the three major credit unions on the XXXX of XXXX. They have failed to respond with the information I requested from them and have not removed these negative marks from my credit reports. They have denied me the right to investigate the accusation that I am legally liable for this debt. I have enclosed a copy of my original request. I thank you very much for your time and assistance. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an American express credit card with Macy 's for over 3 years. Just recently, they closed my account without my permission resulting a 25+ credit score decrease on my credit report. I called their customer service line and they told me that they closed the account because of inactivity. I tried to explain to them that I haven't used the credit card for now but I still shop at Macy 's and will need to use it in the future. The representative was unresponsive and told me that she can not open my account back up. I tried to speak to a supervisor but no-one reached out to me. 

This account closure has dropped my credit score more than 25 point and now I wont be able to purchase a home because my credit is not good enough for a loan. The fact that the company closed my account without my permission and didn't even send me a a notice via mail or email is egregious. 

I had a similar issue with my other credit card, but they sent me a letter saying that if I don't use the credit card they will close it. At that point I used the credit card and the account remained open. 

This issue has created many problems for me and now Macy 's does not want to help me resolving this issue. Because of the decrease in credit score on my credit report, my dreams of owning a house have crumbled. 

PLEASE HELP ME REMEDY THIS SITUATION AND MAKE SURE THIS DOES NOT HAPPEN TO ANYONE ELSE!!

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 2015-06-10
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I reached out to my lender in XXXX 2014 to advise that I had been in an accident and the car would be going into the mechanic. The accident happened after I was forced to cancel my XXXX that I was offered and kept me from obtaining additional employment. I was in communication with the lender initially and I stopped hearing from them until I reached out with an update. I was finally able to nail down employment in late XXXX and reached out to the company to advise that I was going to be returning to work and had reached out to the mechanic to get my car back and was told that I owed him money, after the supplemental check had been cut from the insurance company. I reached out to Santander and advised them of this and I was told that someone would go out to the location, appraise the work done and pay the mechanic. After that was completed, I was advised that I would receive communication with the next steps. A XXXX months passed and I made a few calls initially but there was no update so I decided to wait, as told initially. I reached out again in XXXX when I had funds available and full intentions of paying them impound fees and getting my car back and was then informed my car had been sold at auction the week before. I advised that this was not an issue, if the car was no longer my responsibility. The agent advised that because the car was sold, I was not liable. I then was refused an apartment and ended up homeless because two months later I get a credit check done and at the last XXXX a lien shows up on my credit that I defaulted on auto loan, which is untrue. Throughout the entire time the car was with the mechanic, I was repeatedly advised that upon completion of work done, the loan would be modified to reflect the time that it was out of commission and therefore I was not late. It would be a totally different situation had I not done my due diligence, but every agent I spoke with was aware that I had XXXX from XXXX to XXXX and no one took the time to update my mailing address. It slipped my mind as well but that is n't my job description. I should not be punished for a company 's poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX and my identity was stolen. My old co-worker stole my wallet that had my social security card and other personal documents inside. I sent copies of police reports and ftc report to all three major credit bureaus. There are some inaccurate items that are listed on my credit report that are hurting my score that I did not open up the accounts are XXXX XXXX XXXX {$110.00} XXXX XXXX  {$1700.00} XXXX {$1000.00} and about 16 negative inquiries

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