BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: Consumer Financial Services
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi my name is XXXX XXXX I took a loan at consumer financial services in XXXX  illinois. 
I took out a loan for XXXX dollars I got qualified for it. But on top of that loan they gave me a temporary insurance that in the first place din not wanted. It was a XXXX and it could be removed if you had fax the yellow paper and I did at an a excurrency exchange name pls and they said it was successfully complete and sent. But it did n't not I notice very month as I would always ask the rep at the service desk if they have gave me the credit or waver but they never did. Today I went inside the consumer financial services loan store and spoke to a lady that was very rude and as I was speaking I told her that this has been going on for so long and that I really wanted to get things settled. She refuse to give me a letter that the insurance told me they need a written request from them in order to removed it. I understand there are rules bit I did followed everything they told me. 
Now I just feel like I would never ever get a loan there anymore. 

Why would they add an insurance for a loan that 's so not good. 

I want XXXX to understand that I 'm not made of money and that I have always completed my payments yes maybe sometime I forgot but still paid the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my credit history and financial well-being, and I am seeking your immediate assistance to rectify this matter. 
I discovered that my credit report issued by 3 Credit Bureaus contained multiple fraudulent entries that do not belong to me. These entries are adversely affecting my credit score and are a result of identity theft or unauthorized activities. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, causing significant damage to my financial standing.

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assitance to remove the following fraud item in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.

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 2023-01-06
Company: EQUIFAX, INC.
State: NJ
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 investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Affirm Holdings, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, 2022, my XXXX phone was hacked and my identify stolen for about 12 hours. During this time, the hackers were able to hijack my XXXX account and intrude on my XXXX account. XXXX, XXXX and XXXX were very responsive and worked to restore service and secure my accounts immediately. A few days later, I started receiving notifications that an XXXX order had been shipped to an address in Florida. Again, I worked with XXXX on this issue, eventually supplying them with a screen shot of the Florida address. I continually monitored my credit cards during this period and there were no fraudulent charges. However, on XX/XX/XXXX, I received a text from Affirm that my XXXX purchase had been confirmed. ( Affirm is a company that apparently sets up payments over time for online purchases. ) Apparently, the hacker had set up an Affirm account during the period they had my ID ; once I had my phone restored, I started received delivery notifications from XXXX and payment notifications from Affirm. On XX/XX/XXXX and XXXX, I contacted Affirm, first by email and then by phone, and explained the situation. In response, I received an email saying that Affirm would be in touch within 3-5 business days. I received no response. On XXXX XXXX, I received a text from Affirm that a payment was upcoming. I called Affirm again and explained the situation. In response, I received an email again saying that Affirm would be in touch within 3-5 business days. I received no response. This was repeated on XXXX XXXX. I called Affirm again today and the person I spoke with now says I have no Affirm account and that she could not resolve the issue and would have to refer it to someone else who would email me. I am now receiving texts from Affirm that my payment is overdue. I can understand that a company would need to investigate fraud complaints but I would expect a company to suspend their claim for payment while investigating and to communicate with the complainant instead of being completely unresponsive for over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: MARINER FINANCE, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have had an active account with XXXX XXXX for about 3 years. I have refinanced my loan a couple times during this timeframe. Until XX/XX/2023, I have not missed a payment. Since XXXX, however, I have run into financial difficulty, and have not been able to make my payments. 

In XXXX, I advised the branch of my difficulties and whether there were any hardship options. They advised they could defer my payment once, so XXXX 's payment was deferred. 

In XXXX, again spoke to the branch and asked about XXXX options. They advised about refinancing my loan, or to get a title loan. Neither of those options were doable. 

Since XXXX, I have spoken to the branch often, advising my financial situation has not changed. I would make small payments when I could, in the amounts of {$25.00} or {$50.00}. In XXXX, the branch asked that I call every XXXX to check in. I did this as they asked. 

In XXXX I began making several smaller payments, trying to reach the amount due, I also tried this in XXXX. When I spoke to the branch in XXXX, they said that the small payments really aren't doing anything, that my loan is continuing to fall behind, and at this point will probably be charged off by end of XXXX if I don't make substantial payments to catch up. I reiterated my request for a hardship option, and again was told this was not available. 

I asked for a number to the corporate office, and the branch gave me XXXX. I called the corporate office on XX/XX/2023 and provided background to my account, and my request for Hardship options. The agent I spoke with said she would pass my request to the " XXXX XXXX '', a gentleman by the name of XXXX, and I should hear from him within a couple days. I have not heard from him at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied credit by Capital One that prevented me from getting the {$150.00} sign on bonus. They gave me a bogus reason " Length of credit history from XXXX  ''. My credit history is more than 10 years and I have excellent credit. I think I was denied credit because I always pay on time and they're not gon na make any money off me. I should be rewarded for my excellent credit, not punished. This is unfair and not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. According to U.S.C 6802 under subsection ( b ) Opt OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, Such option was never discussed with consumer but, consumer 's private information has been shared with several third party companies.

Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter. This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant. 



Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i was offered a sign up bonus to open a checking and savings account and fund the account. My funds were all kept in savings for a short duration and the bank closed the checking account without warning or permission, invalidating the bonus promised since the account is no longer active before the period was over. I am told i can not reopen that account again and must open a new one but the bonus is no longer available. I feel this is a bait and switch by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am having a very hard time dealing with Golden1 Credit union on a car loan. I recently went bankrupt due to the pandemic, I lost my job and I decided to keep my vehicle in order to continue searching for a job and transport my family. I called the bank to let them know my situation last year, they help me reducing my payment from {$580.00} to {$440.00} for 12 months only. I told them I was going to file for bankruptcy and wanted to keep the vehicle, and they told me to call them back once I was discharged from chapter XXXX to discuss my other options. Few months after I did, with my discharge documents and they ask me to send the discharge documents, plus a hardship letter to see the other options. After receiving all that they send me a letter with my new lower payment of {$330.00} for 12 months. I was very happy until they decided not to honor it, saying they made a mistake on my loan, that they already modify my payment previously. Where I am standing today XX/XX/21 is whit another plan with payment of {$450.00} for 38 months, after being treated very disrespectful over the phone for several months now. I never been late on my payments with them, and I really want this people to do something else for me. My vehicle is worth {$13000.00} and I still owe them {$16000.00}. I ask them to give me 48 months instead to lower my payments, but don't think they want to do it, they are very arrogant when I try to continue to negotiate, after the fact that they are not honoring what they put on paper for me. They should reduce my balance to get to the lower payment they offer me, and never deliver. Please help me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: EQUIFAX, 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 understand that this account with XXXX listed on the credit report needs to be reporting accurately and complete according to the FCRA. Since XXXX of XXXX, I have in back and forth correspondence with the 3 credit bureaus outlining the issues with this account reporting. This account information does NOT reflect accurately and in return, the FACT IN POINT is that this account is in violation of the law AFTER I expressed my concern and showed the error. I have a confirmation from the credit bureaus AND from XXXX ( SEC 1681 ) that they performed their investigation. After reviewing my newest credit reports, I can see the inconsistent information STILL affecting my credit. 

ISSUE # 1 : XXXX DELETED this account after I expressed the issue to them. HOW could they see the issue YET XXXX and Equifax NOT see the issue. There was NO actual investigation done! 

ISSUE # 2 HIGH BALANCE is incorrect. XXXX  is reporting {$3500.00} and Equifax is reporting {$3500.00}. 

ISSUE # 3 : Date of first delinquency ... This is reporting inaccurately with XXXX of XXXX on XXXX and XXXX of XXXX on Equifax. That's over 60 days.. How is this even possible if there was an actual investigation I have included the images of the reports that were sent to my house. I am highlighting the errors still existing today. There was no investigation because the information is still violating the FCRA. I understand my rights and for me to keep mailing letters costs me money and time. Both of which I will seek compensation for if this is not fixed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They refuse to mail me verification of the debt. They told me to call the company myself but want me to pay them directly. They wont send anything via mail and keep asking for my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is still being reported incorrectly. The account is charged off but reporting the account is past due. I never made arrangements to pay anything. This account has also been re-aged. This account cant be verified as accurate, there is no record of sale for the vehicle. Without a record of sale, to include the price and a verifiable purchaser, their numbers are just numbers.

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 2023-02-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PLEASE! SOMEBODY HELP! THE ATM HAS JAMMED AND STOLEN THE {$14.00}, I DEPOSITED ON XX/XX/, AT THE LOCATION THE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 

ALTHOUGH, BANKERS WERE STILL INSIDE, I WAS NOT ALLOWED TO COME INSIDE AND GET HELP WITH THE MATTER. 

A FEMALE BANKER GOING HOME, TOOK THE RECEIPT GIVEN TO ME BY THE ATM, LOOKED AT IT AND SAID, THIS HAS HAPPENED A COUPLE OF OTHER TIMES TODAY, I DON'T KNOW WHY, IT SAYS IN 2 DAY BUSINESS DAYS, WELLS FARGO WILL FULLY CREDITED YOUR ACCOUNT, NO FURTHER ACTION IS NEEDED. 

MY ACCOUNT WAS CREDITED XXXX CENT ONLY. 

MY ACCOUNT HAS NOT BEEN CREDITED THE {$14.00}, AND RECEIVED AN EMAIL TELLING ME TO WAIT 10 BUSINESS DAYS, WHILE WELLS FARGO INVESTIGATES. 

I'M XXXX  AND ON XXXX, AND NEED ALL OF MY MONEY, NOT SOME OF MY MONEY. 

THIS IS AN OUTRAGEOUS THAT A BANKING INSTITUTION, RIPPING OFF MONIES THAT ARE PROTECTED. 

GETTING THE RUN AROUND AT THE 800 CLAIMS DEPARTMENT. 

I ALWAYS PUT IN {$14.00}, SO CAN WITHDRAW A ROUND NUMBER FROM THE ATM, AND NOT HAVE TO GOING INSIDE THE BANK. 

MOST DAYS I CAN HARDLY WALK.

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 2021-04-15
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with XXXX, XXXX XXXX, VA and includes PMI but as I have paid more than the amount required to drop the charge and the mortgage statement says the charge will be dropped automatically it has not. I have called XXXX XXXX to discuss but can never get a person to answer. At the prompt have left a voice mail to have someone call me back, no one does. Last call was made to them XX/XX/XXXX. I have also written to them, letter dated XX/XX/XXXX and no response.

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 2018-04-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had been with Chase bank for 9 years. Chase closed my account without informaing me. Why is this absolutly un accpetable? 
* Commone courtesy and customer service along with transparancy should be standard * I have XXXX kids and a stay at home wife and money is a daily requirment * Chase service line started treating me like I was a piece of XXXX and they stated they are not required to tell me why or when they closed my account??????? 

* They even said I couldn't get my money out of my account? They said they would mail it to me in 7 to  10 days. Really? My own money that is direct deposited into thier bank and they think its ok to hold my money. This kind of action should label them as the XXXX XXXX XXXX and the XXXX XXXX 's as being thieves. I want my money back as its over {$500.00} and my family needs it- this stupid game is not over but it starts with you- HELP

Company response to consumer: Closed with explanation