BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: FCI Lender Services Inc.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I AM A SENIOR CITIZEN IN XXXX XXXX, NV, WHO IS XXXX   AND SEMI RETIRED. FCI LENDER SERVICES TOLD ME ON XX/XX/XXXX THEY WOULD NOT ALLOW ANY OF MY PAYMENTS TO BE DEFERRED IN ACCORDANCE WITH THE " CARES ACT ''. A REPRESENTATIVE FROM FCI CALLED ME ON XX/XX/XXXX IN REGARDS TO MY INQUIRY ABOUT DEFERRING MY PAYMENTS FOR AT LEAST 90 DAYS DUE TO COVID 19, AND THE FACT XXXX XXXX IS SHUT DOWN. I WAS TOLD THEY HAVE NO PLANS TO COOPERATE WITH COVID 19 CONSUMERS AND THAT I MUST MAKE MY PAYMENTS OR SUFFER A POSSIBLE FORECLOSURE IF I DO NOT CONTINUE TO MAKE PAYMENTS. MY PAYMENTS HAVE BEEN PAID UP TO XX/XX/2020 WHEN THE NEXT ONE IS DUE. I AM NOT BEHIND IN PAYMENTS AS OF THIS WRITING, BUT WILL BE AS OF XX/XX/XXXX. MY PAYMENT IS {$640.00} PER MONTH. I NEED AT LEAST A 90 PAYMENT FORBEARANCE BUT CAN NOT AFFORD TO PAY THEM A LUMP SUM AFTER 90 DAYS BUT WOULD ASK THEM TO ADD THE PAYMENTS TO THE END OF THE NOTE. THEY HAVE REFUSED TO EVEN GRANT A FORBEARANCE OF ANY TYPE.

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 2020-04-10
Company: MoneyLion Inc.
State: AZ
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:
On XX/XX/XXXX I received a settlement offer from Moneylion for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with XXXX  and XXXX  reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. Moneylion continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to Moneylion directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my Moneylion account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. XXXX  also refused to fix it even when I submitted documentation proving it had been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2016-09-21
Company: 1ST ALLIANCE LENDING, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan for a mortgage and they told me I was pre approved for a home that cost XXXX. I went to look at the home that I wanted to purchased came back and sent in the papers for the home the home only listed for {$93000.00}. After submitting my papers back to them after the preapproval they told me we are sorry but we ca n't approve you for this loan. I asked them why and they told me after the fact due to my debt to ratio and student loans. I told them well why did you tell me that I was pre appoved and then turn around and say something different. XXXX then said well we fail to look at your financial obligations. 
I told her what did my financial obligations have to do with anything I had been paying my bills on time and had the credit score that was needed and the down payment money and then you tell me after the fact that I am not approved now. I lost XXXX on my earnest money and XXXX for inspection and another XXXX for another inspection. I want my money back the broker refuses to give my money back because 1st Alliance Lending told them and myself that I was approved at the beginning and now they say I am not. I am very upset about this because I have spent out all this money on this home and now I do n't have a place to live and have lost money on inspection and earnest money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX I received a settlement offer from XXXX for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with XXXX and Transunion reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. XXXX continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to XXXX directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my XXXX account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. XXXX also refused to fix it even when I submitted documentation proving it had been paid off.

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 2022-12-19
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2017-03-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cash Central cont to auto withdraw monies out of my checking acct when debt has been paid lastcontact i was told last pymt is XX/XX/2018? Ihave to pay XXXX $ for a XXXX. Loan? Pls help me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSWORLD SYSTEMS INC
State: KS
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: Was not notified of investigation status or results

Complaint:
I have contacted Transworld Sys INC on several different occasions. The latest contact was on XX/XX/20 @ XXXX. I spoke wXXXX Employee # XXXX. I explained to the representative that I had no knowledge of the account in question. The representative gave me account details. She said the account was from XXXX XXXX XXXX. Located in XXXX XXXX, Ks. She did not give me a date but she said the address they had on file was a 7yr old P.O Box that I no longer have. I explained to the representative that when I went into the XXXX. I had given the check in my current DL, my insurance card and the information I had filled out had all my CORRECT contact information. I explained that somebody had dropped the ball and failed to ENTER the CORRECT information. But instead took the precious information from an older visit. I explained to Transworld that they also had the opportunity to contact me and failed to. XXXX emp # XXXX said that she had the same address on file. I explained to XXXX ( Transworld ), that they must have received return mail because it is a PO Box . Considering I do not have a Box at the post office. The mail would definitely be returned. I advised XXXX, that I wanted this collection removed from my credit report. They are reporting it twice a month. Once as collection. Once as updated debt. If I would have been notified or the hospital would have took the diligence into doing thier jobs correctly. This bill would have been paid by insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a car loan with Ford Motor Credit from XX/XX/XXXX which I paid off in full on XX/XX/XXXX to a XXXX balance. Ford has reported in the remarks on my XXXX XXXX credit report that this account was included in bankruptcy. I have NEVER had a bankruptcy. THis account was paid in full, satisfactorily by me and there is no bankruptcy associated with me. I have been calling them since XX/XX/XXXX and still it is not corrected. I was denied for a home loan because the bank thinks I filed bankruptcy in XXXX because of this erroneous report to XXXX XXXX. This is gravely affecting me financially and I need it corrected,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX, 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, 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 instruction.

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 2020-04-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account just recently showed up on my credit report. I was not made aware of this company or the amount that they are claiming that I owe. I haven't received any notice in regards to this the company just reported straight to my credit report. This company claims I owe {$1200.00} as of XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
CFPB Complaint  XXXX  : transunion indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts from 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 2016-01-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am unable to open a checking account in the United States. For many years I banked with XXXX XXXX XXXX. I would have double charges on my account by many merchants ( I believe it was the merchants that XXXX XXXX XXXX worked with or furnished access devices to ). I could not stop the double charges. The unauthorized charges then would lead to large fees and overdraft payments that were not correct to begin with. 

I decided to change bank accounts many times and the double charges by merchants followed me. The double charges were different depending on the bank. Banks and Merchants work together. Banks are required to furnish access devices to the merchants. I would see double charges with merchants that the bank would the banks furnished access devices or electronic payment devices to. For example XXXX XXXX XXXX furnishes electronic access payment device to its merchant XXXX, and I would see double charges on my XXXX XXXX XXXX account with merchants that XXXX furnishes the device to. 

When I would switch bank double charges would show up with new merchants, usually the merchants affiliated with the corresponding bank. I believe the bank then changes the statements to make it look like the customer used there pin with the card. 

I want to be paid back in full, plus interest, I want the bank and merchant to be FINED. I want to collect a portion of this. This banking FRAUD, DOUBLE charges, Excess fees, unauthorized transactions have destroyed my life. I have lost everything for looking into this. 

I have contacted endless government agencies including local and federal policing agencies. I have tried to hire an attorney to fight against these banks. As soon as I get organized and get my statements together, I get stuck. I moved out of my home XX/XX/2012 and moved into hotels thinking the banking nightmare would stop. It continued and got worse. The hotels then double charged me. I would fight with the hotels asking for charges to be reversed. I would call the bank and neither the bank nor the merchant would return the money or fees involved. 

Here is the letter with a snap shot of what has been going on. I am waiting on new statements from all banks to send to your agency. I have been contacting every other agency without understanding who to contact. 

This letter is to Checks Systems with a snap shot of the banking nightmare. The letter also includes all the government agencies that I have contacted. 

I need to be able to open a checking account. I am a very wealthy individual and would never overdraw my account. Please take a look at this. 








followed me to every bank I opened. I have contacted all the federal agency 's

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RECEIVABLES PERFORMANCE  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  Negatively reporting to my credit on   XXXX   I request validity of debt including signatures and invoices of debt. I never received any written knowledge of this 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 2022-12-19
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX between XXXX XXXX and XXXX XXXX I closed, cancelled, paid in full my XXXX XXXX plan. My wife and I got married in XX/XX/XXXX and instead of having XXXX separate cell phone carriers I decided to close and cancel my service with XXXX XXXX that I had been with for over 15 years. Before I could transfer my phone and phone number to XXXX I had to cancel and close my XXXX XXXX. I called XXXX XXXX customer support while standing in the XXXX wireless store. While on the phone with the customer service associate I explained the situation and what I was going to do. The customer service associate stated we are sorry to see a loyal customer go but we understand your situation. I kindly described to the associate that I was ready and willing to pay any and all debts on my account that evening prior to cancelling my XXXX XXXX service. On a recorded line I was reassured my account was in good standing and was financial current. I expressed my concern that I did not want any surprises in the future and to please carefully review my account once more to make sure I did not owe any money on installment plans or devices. Once again on a recorded line I was assured my account was paid in full and that I owed XXXX money. I stated again on the recorded line Are you sure and yet again I was reassured about my account. I proceeded to close my account while at the XXXX wireless store. From that point I transferred all my contacts and info to XXXX. A few months later I received contact from collection agencies stating I owed {$650.00} to XXXX XXXX. XXXX XXXX had not tried to contact me or reach me at all to discuss this matter. Since then I have been in collections and it is extremely disrespectful to me as the consumer to be dealing with this issue. I have been wrongfully charged for XXXX XXXX problems and It is impacting me negatively on my credit score. Southwest Credit collection is the current collection company that has the bogus contract. 
Furthermore, I have a previous complaint on file that was submitted to CFPB on XX/XX/XXXX # XXXX to reference the previous debt collectors responses to this bogus charge which was dropped. 
XXXX XXXX needs to be held accountable for their horrible customers service and get off my back for a debt I settled with them when I closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt 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 non-monetary relief
Consumer complaint received 2017-05-21
Company: Accurate Background
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Company has violated my rights under federal law.
Failed to provide a description of the procedures used to determine th  e accuracy and completeness of the information, including name, business address and telephone number.   Failed to provide confirmation that a copy of the revised consumer report was sent to those who requested a copy during the preceding 6 months since  X/X/2016     Failed  to place consumer statement per my prior complaint #  XXXX .     They allege the information was sent per prior complaint but have no proof since they failed to provide information in an attempt to violate consumer rights. They also allege they where unclear as to my computer statement yet they have been notified as per complaint #  XXXX . At this point I require proof of compliance to all my requests along with the name and address of there registered agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been trying to contact Amex serve at their customer service phone number provided for several days at different times of the day and night regarding an issue I need assistance with as soon as possible. I have now reached out to several other American Express departments and no one can seem to help me and keeps referring me back to this same number that has no one on the other line. I have money sitting there that needs to be reversed back to my account as I attempted to transfer to another account not knowing that they only will transfer to the same type of Amex account. So this money is going nowhere and I need it back into my account as soon as possible so I can pay these people in an alternate way. This is extremely unacceptable, unprofessional and terrifying that a company dealing with my money, my paycheck has zero ways for me to contact them!

Company response to consumer: Closed with explanation