BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was overcharged for my moneylion plus membership for XXXX, XXXX, and XXXX in the amount of {$79.00} each month with {$50.00} put into an Investment Account. 
I have since paid {$19.00} for XXXX, XXXX, XXXX, and XXXX. 
My most recent payment on XX/XX/2019 has been successfully deducted from my Moneylion checking account and it has not been applied to my membership and it says my membership is on hold although they have been successfully paid days ago.

My money, which is in my investment account, {$260.00}, the company refuses to let me withdraw my money and close this Investment account which is what I would like to do. I was also charged an admin fee of {$1.00} on XX/XX/2019. 

I was also advised on a recorded line that the lionshare rewards are supposeed to be deposited into my bank account, but they have put the funds into the investment account that they are not letting me withdraw from in the amounts of {$1.00}, {$1.00}, and {$2.00}. 
Whenerver I attempt to reach them by phone, I receive long hold times and almost never reach anyone. I have been told I would receive a call back and not been called back. this company has the worst service ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Having issued with the  XXXX  credit bureau 's. Equifax place a Fraud Alert on my credit account. I contacted Equifax via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted   XXXX   and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted Equifax again requesting the removal, I was giving a case number of  XXXX  and a conformation number of   XXXX   stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until Equifax remove it. Contacted Equifax again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on  XXXX   XXXX . as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from  XXXX  and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told Equifax and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Premise : I ordered book of checks via US Bank web-portal service. 
Few weeks went by, still not having received the checks, I called in to find out that they have sent it to some random address. The rep then proceeded to cancel the incorrectly mailed checks, and issued me new ones with the correct address. 
Here is the caveat : the rep issued the new checks with EXACTLY the same number of the checks he had canceled therefore rendering all newly issued checks useless. 

Result : All the checks I had wrote ( lot outstanding keep in mind as I had to wait about 2 months from the initial ordering date ) were bounced. Out of all the bounced checks, XXXX was actually to the XXXX, where we had paid higher premium to have an application expedited for a family member. What was suppose to be the tail end of 2-3 month process had to start ALL over, not to mention penalties that came along with it. 

Actions taken : I called multiple times and was assured multiple times that a supervisor would call to discuss reimbursement of the penalty fees applied for parties that deposited the incorrectly issued checks on behalf of US Bank. 
Even to their request, I had emailed over two attachments illustrating all the bounced checks/fees and even the rejected application letter from US Government due to bounced check. 

To this date, I still have nothing resolved. No reimbursement of the bounced check fees for my other parties. Nothing was done at all, other than an apology letter that says to call their XXXX number for any questions. 

Extremely frustrated, unprofessional and simply unacceptable for a banking institution to mess up to this degree and leave it unresolved.

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 2015-09-28
Company: FORD MOTOR CREDIT CO.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Ford motor credit repossession our car XX/XX/XXXX.We pay them {$500.00} but they still took the car.Then turn it over to XXXX & XXXX XXXX XXXX law office who return put a lean on our property.We file bankruptcy XXXX which we included them for the amount of {$11000.00} which have they refuse to honor the court dismissal of this XX/XX/XXXX discharge they will not remove the lean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Asset Recovery Associates contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was added to a Wells Fargo account in 2013 and I was not the signer of a bad funds check yet I was added to   XXXX   XXXX   I should not ber liable for this account

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 2017-07-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I told the lady at citi bank that i have to check my charges I am without work or job because of this.I never had a   XXXX   XXXX   card.Ive only banked with citi,  XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,  XXXX , and   XXXX   XXXX  .Any other card is not mine i dont even have a bank card open i have them all closed and paid for except bank of america.i owe money to   XXXX   XXXX   and citi bank.Plus i have toyota for a car but i got in a auto accident and got sick.Than   XXXX   XXXX   company but i dont have a car anymore so i dont have to pay.Than medical bills and   XXXX   XXXX   XXXX   only been there twice,   XXXX   XXXX   XXXX   been there like 2- 3 times, than   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   but i think the school pay for that job corp  XXXX  fl, Maybe   XXXX   XXXX   XXXX   i been there1 time when i was in highschool, and   XXXX   XXXX   been there 1 time for a  XXXX .Anything else i dont know.And school bills is job corp center but i think they pay for that by government,   XXXX   college for 1 class, and   XXXX   XXXX   College i took like 3 classes and 1 class I failed and have to retake but any other is not mine.Please write back at   XXXX   XXXX   XXXX   XXXX    XXXX  Fl  XXXX .I also have a prepaid   XXXX   XXXX   account i owe and   XXXX   XXXX   but the bill is almost paid and i closed the account i only have   XXXX   card with them.I 'll check the mail again.

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 2015-09-24
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX I was living at a location in XXXX VA where I had both XXXX DSL internet and telephone service. I moved from that location on XXXX XXXX, XXXX to a location where XXXX was unable to provide any internet service. When I tried to have the billing stopped, I was told I would have an early cancellation fee of several XXXX dollars but that my contract expired in XXXX XXXX. The CSR advised that I could pay the final month bill ( due in advance for internet ) at the beginning of XXXX XXXX and cancel the service then with no problem. I made that payment online on XXXX XXXX XXXX and spoke with a CSR and confirmed that since they were not able to provide DSL service, that I would no longer be billed. When my bill arrived in XXXX XXXX, it still had charges for the DSL so I again called and complained and stated I refused to pay for a service they could not provide. Again, I was assured it was corrected and that I would not be billed and that I would see an adjustment on my next bill. This same process went on for several months until I finally got so tired of it, I cancelled my phone service with XXXX as well. I paid all outstanding phone charges and sent a letter to XXXX stating that I refused to pay for service they never provided and referenced the monthly calls with CSR about the billing. 

I heard absolutely nothing for literally years, not until I was declined for credit due to outstanding collections in XXXX. Since I had filed a Chapter XXXX bankruptcy in XXXX, I was not aware of anything going to collections and had worked hard to keep all bills paid on time. I received the free credit report based upon credit denial and found the XXXX collection. I then got copies of my other reports and found they were reporting to all XXXX credit reporting bureaus. 

I disputed with all XXXX agencies and explained exactly what happened and why I was not liable for the charges. XXXX verified with all three agencies. I sent a letter to XXXX detailing that I was not liable for the charges and why. In addition, I demanded they mark the account as " disputed by consumer ''. 

I again pulled my credit reports in XXXX XXXX and XXXX was still reporting and was not noted as " disputed by consumer. '' Since then, XXXX has disappeared from my credit reports but now I have " Trident Asset Management ' reporting as a collection agency for XXXX. In XXXX XXXX, I disputed this account with all XXXX of the credit bureaus and again, it was verified and not marked as disputed. After that, I placed letters in the mail to both XXXX and Trident Asset Management concerning this account. To date, neither agency has bothered to reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2017-03-22
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I have received a card from U.S. Bank Relia Card, I did not apply for this card. I have tried to report it with no satisfaction. It is fraudulent.

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 2016-05-27
Company: UNITED SECURITY FINANCIAL
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I believe I am on the XXXX. mort. co., in other words it has been sold twice. The current alleged owner has hired a bill collector, a so called mort. servicing corp. to manage my mort.. I have been waiting since XXXX/XXXX/2015 for the former mort. co. to sign my insurance claim check over to me. I finally received an insurance check made out to me & the former mort. co. with a signature on it. I do n't know if I can deposit it or not but I will find out tomorrow. I think they want me to endorse it & send it to them which I am not going to do. To put it bluntly, I do n't trust them. If I sign it & send it to them, I will never see it again & I will loose control over my payment. Also, I have asked for but not received credible documentation that this new company does in fact own my mort. nor that this so called mort. servicing co. is authorized to receive my payments. They want me to make my checks payable to them ( the bill collector ) & they do n't even hold the note. I have to wonder if either of them are licensed to do business in S.C..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: PA
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:
Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. 
I am contracting the bureaus Experian today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal trade Commissions identity theft affidavit.

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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The account has been paid in full but not removed from my credit report in Georgia.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have informed Tranunion that the following addresses are not mine or never was mine : XXXX XXXX and XXXX Please have these addresses removed from my credit file.

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 2016-04-16
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making payments on a private loan serviced by PHEA ( AES ) and I have been making them faithfully without a missed month in years. However I have been paying MORE on interest than anything, AES is gouging it 's borrowers and I 'm not able to negotiate through PHEA or XXXX who owns XXXX of my loans. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: FL
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:
Greetings, I really need your help this time, please. Experian is been reporting a credit card from   XXXX   XXXX    XXXX   XXXX   XXXX   that they are reporting late and which is not true. This credit card was stolen since two and a half years ago and I called  XXXX  and they never sent me the card nor did   XXXX   XXXX   XXXX   as well sent me the card as well. So I have been without this card for almost a year and I have made payments and this card should not be in my credit profile it is fraudulent and an injustice in the part of Experian and   XXXX   XXXX   XXXX   XXXX  .
I am going to attach a screen shot for you guys to see my credit score from all  XXXX  bureaus and you will see that Experian is the only one reporting this account and also the only one with a ridiculous score of  XXXX  which is so inaccurate.
I am trying to own my first home and right now Experian is putting my life and my children 's life in jeopardy. We have enough veterans that are homeless because of reason of such from this credit bureaus, I fought for my country and right now I am  XXXX  and   XXXX   XXXX   and without a home and I do n't think that it is fair for this company to keep on reporting inaccurate information to ruin my credit file and put a barrier right now for me on owning my first home.

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 2015-04-18
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX of XXXX, I met XXXX individuals from XXXX. They told me that they did n't think that I would qualify for a loan modification. I received letters from a foreclosure attorney in XXXX XXXX who was beginning the foreclosure. Shortly after that time, I received calls from the Loan Modification team at PHH. I found this a bit strange because I thought I was XXXX3 months away from being foreclosed upon. Now, some 5 months later, with me being charged some {$6000.00} per month - as I have been for at least 2 years, - this money being added to my loan balance. My fee 's, penalties, and other moneys outside of my original balance of {$230000.00} is now over {$230000.00},. Total owed is the addition of those XXXX numbers. 

So my starting balance before I was unable to pay this mortgage was {$230000.00}. 

Here 's my point, is this some sort of game to just keep inflating what I owe the bank? Or is this continued mortgage modification process now going into its 18 month, genuine. When this last modification program was resumed in XXXX of XXXX, I was speaking with a XXXX XXXX XXXX. XXXX XXXX asked me for nearly all of the documents that I have submitted ad infinatum over the past year and a half. Every document he asked for. 

And now, I find my self once again, with a different loan modification officer, XXXX XXXX, who is asking me essentially for the very same material. Bank Statements, Income Statements, Uniform Borrows Statements etc etc. I have submitted these statements I have lost track of how many times. at least over 15 months. 

So bottom line is this. I believe PHH Mortgage Company is, and has been for over a year, acting in bad faith.This is illegal. I believe they have been doing so because they know the worth of my property, and they are looking to get every last penny of what it 's worth.So bottom line ... they have been playing with me simple to inflate what I will eventually owe them. 

Had my property been foreclosed on, 8 months ago, I would be taking home over I might have been able to take home maybe {$50000.00}. Today, I will not be in the black, and indeed be forced into bankruptcy. Had I been foreclosed upon during the banks first attempt to foreclose 4 years ago, I would be coming out of that foreclosure with possibly as much as {$300000.00} plus. 

This whole system loan modification at PHH has been 1 ) an acting in bad faith, 2 ) totally incompetent and 3 ) a violation the law on several occasions. As far as I 'm concerned, I have lost over {$200000.00} + because of all the factors mentioned above. 

Please please please, tell me what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My truck was totaled due to a vehicle fire and the insurance company paid the finance company for the truck. The next day after receiving the insurance check, they sent the remaining balance of {$400.00} to the collection agencyou which essentially hit my credit. They did so without informing me of the balance or giving me the opportunity to pay the balance.

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 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Many fraud charges appeared on the card.
Card company ( Capital One ) removed all of them.
But a month later card company added one back and said in a letter, " I 've found no indication of fraud. '' Three phone calls and one live chat later, they refuse to remove the charge that is fraudulent.
They advertise heavily on TV 100 % fraud protection, but they are violating both their own advertising and the law.
The charge :   XXXX   XXXX    XXXX  #  XXXX  Transaction DateSunday,  XXXX / XXXX /2017 Posted DateWednesday,  XXXX / XXXX /2017 DetailsMovies Appears on your statement as :   XXXX   XXXX   XXXX    #   XXXX    XXXX  FL   XXXX   US

Company response to consumer: Closed with explanation