BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Affirm Holdings, Inc
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I used Affirm to pay for and item that I bought online. The item I received was not at all as described so I reached out to the seller to get a refund. The seller was non responsive and refused to assist me. I then disputed the purchase through Affirm since they were the loan provider. I provided pages of proof and evidence to support my claim. Affirm sided with the seller and told me that to get a refund I need to reach out to the seller. The seller is non responsive to emails and blocked my phone number and even blocked my wife when she tried to contact them through social media. It is absolutely impossible for me to get a refund through the seller, therefore Affirm needs to take responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX  : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$83.00} Be notified that this complaint is my follow-up complaint to ensure that the listed accounts are repaired.

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 2023-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Fifth Third Bank holds my car loan. I have been assessed late fees on my car loan payment as they have claimed that I am making it past the cut off time. I usually pay it on the last day I can pay it without accruing a late fee due to how I am paid through my full time job. I am making it through the automated system and it does not state prior to the payment being processed that there is a cut off time to make it or it will be processed the next business day. I have looked online for the cut off time, in my coupon book ( as they don't provide a monthly statement ) and I can not locate a cut off time posted anywhere. I have called in and the rep told me if I talked to a rep to make the payment I would have been notified of the cut off time and I should have received a welcome packet, which I do not have. They are not waiving the late fees and I am not paying them. I'm happy to pay one as if I had known about the cut off time to begin with I would never have continued to make the payment after XXXX. 
Why are they not required to post this on their website, on their coupon book that they send in place of a monthly statement, etc.? Every other credit card or loan I have states a cut off time that you have to make over the phone, online, in person, etc., and it is shown on the monthly statement as well as online, why is this not disclosed on their website that is easily accessible or how is it not sent out when you are late on the payment? How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2023 I noticed two addresses on my credit report that were not mine. 
On XX/XX/2023 I noticed two credit card accounts on my credit report that were not mine. 

I do not have friends or family at either of these addresses, nor have I ever lived outside of Illinois. 

I have no idea who the companies are that own the credit lines, so I have not made an attempt to contact them. 

I did contact XXXX and filed a dispute with them for the addresses. 
I will contact XXXX on XX/XX/2023 to file a dispute with them for the credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Remitly, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used Remitly.com to conduct a transfer for a business transaction to pay an invoice for goods/services provided in XXXX XXXX. I entered the information for the recipient including banking information for a direct to account transfer. The transfer was initiated within seconds. Within one hour I received a notice that the there was a delay with the transaction so I called Remitly.com and they explained that the the recipient bank refused the transaction without any real specifics. I asked if it was because the recipient account was a business account. They then told me that indeed they can not accept transactions to business bank accounts. I said fine, cancel the transaction. Again, this was within an hour of the start of the transaction. This is where the problem begins. I then receive multiple texts and emails informing me that the there is an issue with the transaction. I email and text back that I already spoke with someone and that the transaction was cancelled. More texts and emails. ( This continues for three days ). I again inform them that the the transaction should have already been cancelled. In the meantime I notice that the funds have been withdrawn from my account. Granted it's only {$310.00} but the point is that the transaction was cancelled immediately and they were the ones who informed me that the transaction could not be accepted. ( Their website shold clearly state that no transactions can be made to business bank accounts ) The the fourth day I finally receive a notice that the transaction has been cancelled and that they will refund my {$310.00} with the notice that it can take up to 10 business days for the refund to clear. So here is the real complaint. Whey can they take money from account within minutes ( for a transaction that they knew immediately would not go through ), yet they are now allowed to hold ( FLOAT ) my money for 10 business days? This is not fair business practice and it is clear that they are simply holding my funds ( and likely millions of other dollars ) to gain financial interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: National Finance Company, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XXXXNational Finance Company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Lender sent live check for loan in mail with terms. Check was cashed in agreement with terms. Lender will not provide any statement of account in writing, web site payment option does not show amount due, owed balance, when next payment is due, principal or interest. 
When you call their office you are told they do not provide anything additional in writing and never have. 
Making payments blindly online, with no confirmation the payment is applied to your account. 
The staff is rude and demeaning, bad choice on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and this is my first complaint against your company for not handling my disputes properly. Im attaching my documentation once again since your investigation took more than 30 days and you havent corrected my credit report. I expect to get a answer from you guys in 10 business days resolving my matters.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently disputed the account XXXX XXXX XXXX with Transunion. I have not received any dispute results. It has been over 30 days. Transunion has violated my consumer rights. Transunion has violated 1681i ( a ) ( 1 ) ( A ) of the FCRA.

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 2021-09-19
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I submitted an extra, one time payment of XXXX dollars to my loan principle. Instead of applying to the principle, my lender ( Caliber Home Loans ) withheld the amount to apply to my reoccurring monthly payments and pushed the due date of my next payment significantly to the right. I assume this is a fraudulent attempt by the lender to collect more interest with the assumption that the home owner will fail to catch the issue, but I am unsure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-03
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: TX
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for PenFed XXXX credit card on XX/XX/XXXX and received the credit card on XX/XX/XXXX. When I activated it today ( XX/XX/XXXX ), I found that it is an annual fee charge of {$95.00} on XX/XX/XXXX. They did not notify me that I did not meet the requirement to waive the annual fee which they only said maintaining a checking account to waive the fee. There is no minimum to maintain the checking account. I contact the customer service, they told me the minimum in the checking account should be {$500.00} and another person told me that I should maintain {$500.00} daily balance for one billing cycle. They do not write these all on the advertisement and just change the words each agent while I tried to dispute the charge. They even charged the annual fee before my credit card is activated. Based on the term, they can not charged it before the card is activated. 
" ANNUAL FEE. ... This charge will appear on your periodic statement for the billing cycle when it first becomes effective. '' XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed 2 specific payments that are not counting towards by Public Service Loan Forgiveness programs for loan # 3. I contacted FedLoan Servicing initially through XXXX on XXXX to dispute this. I received a call two days later to review my concerns. I spoke with XXXX who assured me she was my point of contact until this was completed ( XXXX ). XXXX indicated when my loans were originally through XXXX, when I paid my loans as a lump sum, XXXX improperly allocated my payment to this loan, two months in a row, making me short {$.00}. She indicated I would need to provide bank statements to show I paid the entire amount of the loan, and that this was an error on XXXX part, improperly allocating my payment. I have called on XX/XX/XXXX and XX/XX/XXXX to follow up with this concern as I have bank statements to get these months counted towards PSLF. ( And they should have because I have auto debited my loans for the entire duration I was paying them. ) As of today, XX/XX/XXXX, FedLoan Servicing has yet to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: WA
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 FCRA XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-07
Company: First Advantage LNS Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In 2020 the Cares act protected us from eviction due to Covid. The apartments that i was living in at the time called XXXXXXXX XXXX XXXX still locked me out and evicted me through that and since they filed an eviction, i am now dealing with the negative report on my credit. I have disputed it but now i have been homeless for a while and the eviction is making it impossible to find somewhere.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Good evening im currently being violated by Transunion! Im demanding the description of reinvestigation procedure. they have violated my rights under 15 usc 1681 1. 15 usc 1681 ( a ) ( 1 ) 2. USC 1681 ( a ) ( 2 ) 3. 15 USC 1681a ( 3 ) 4. 15 USC 1681a ( 4 ) 5. 15 USC 1681b ( 2 ) please help me make sure im getting a just and fair reinvestigation into my concerns! please remind them they have 15 days! thank you or shall permanently remove these accounts!

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 2023-04-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXX  several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.

Company response to consumer: Closed with explanation