BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/23 I applied for a loan with One Main Financial, initially through a link on XXXX XXXX. Nothing on One Main 's results on XXXX XXXX said that the loan was a secured loan. The button I clicked, in fact, said " Take this offer ''. I clicked it after reviewing the terms of the offer. Nowhere did it say this was a secured loan, and in fact, other offering below the One Main offers were clear that they were secured loans. 

Since I was " taking the offer '', I clicked to accept the terms and authorize a credit check. The response was " you're approved '' and this was on One Main 's site. Nothing to indicate that this was for a secured loan. I filled out some information for open an account with One Main and then they asked for my car insurance and car ownership documentation. Although there was still nothing from One Main to indicate that this was a secured loan, I was suspicious. I called One Main and waited on hold for 45 minutes. Their person- on a recorded line they said- told me that I was not approved for an unsecured loan, but for a secured loan. I asked if they had done a hard credit check. He said yes. I advised him I was making this complaint. 

My complaint is this : This practice is bait and switch. One Main offered me a loan, presented the interest rate, the term, and the monthly payments and made no mention of the " secured '' nature of the loan- in fact never did until the male customer service person told me about it. Their acceptance button said " take this offer ''. Even in their Document Verification screen, in which they asked for pay stubs, and the car registration and insurance information, made no mention of the secured nature of the loan. 

At the very least, this is a sleazy business practice, but it also rises, in my opinion, to bait and switch, and possibly misrepresentation. 

Second, I applied for, and was approved, for a {$2000.00} loan. Yet, the confirming email from One Main states, in the fine print, that the minimum loan for Virginia residents is {$2600.00}. That confirming email did not appear until after the application. So they offered me a {$2000.00} when they knew, or ought to have known, that even if approved, the minimum must be {$2600.00}. [ Screenshot attached ] What explains why they would offer a {$2000.00} loan and then state a {$2600.00} minimum?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: CA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Regarding : XXXX # XXXX discrepancies Each credit bureau is reporting different account information for the same exact account. The information in my credit file is erroneous and I want it removed immediately. I did dispute this information and I have not received any evidence of this alleged account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion received information from their source, XXXX XXXX, stating they removed the bankruptcies from their XXXX XXXX report and transunion refuses to remove it from theirs. transunion also stated, the obtained the information about my bankruptcies from the bankruptcy courts. I sent them the letter from the bankruptcy courts, stating, they do not verify bankruptcies. I have been sending transunion this information from the year 2020. I have uploaded you the documents from all sources.

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 2018-07-25
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX- Collection account. {$250.00} past due This is inaccurate, no contract exists ... settled with original creditor, and I want this grave error removed, because it is wrong and against F.C.R.A. law No proof or verification has been forwarded to me, and I did request this, and the law states that I am entitled to it, but you don't have it, so I didn't expect to receive it ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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:
I'm complaining about my credit score according to law 15usc-1681 equifax have been reporting my credit score incorrectly an I need everything deleted off my account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I already had 2 preexisting bank accounts open at Chase Bank. A college checking account, that I had opened at a physical branch, and a savings account that I had opened online. I had no problems opening or using the accounts for months. On XX/XX/2021 I opened a second savings account online. I did not deposit any money into the account or use it for anything at the time of opening it online. The next day ( XX/XX/2021 ) I went to my local Chase branch and deposited some money into my college checking account without an issue. Not even minutes later, I check my Chase mobile app to see a message telling me that my accounts are restricted and I can not use online banking. Since I was already at the branch, I decided to go inside and get it straightened out. The banker tried his best to be helpful but whomever he was speaking to on the phone informed him that my accounts were restricted and he ( my banker ) was not allowed to tell me why. I called customer service the next day in an attempt to get everything straightened out and was told that I just needed to go into a branch and provide a state-issued ID to have access to my accounts again. Although, that same day I had received an email stating that Chase was going to close all of my accounts without a clear reason. I went into another local Chase branch this time only to have the same thing happen to me ; the banker informed me that I was having my accounts closed without providing me with a clear reason. I have tried calling multiple times and continually get told that the bank does not have to give me a reason for closing my accounts and ending their relationship with me. I have also been told that there is no way for me to formally request any form of my own records, history, or information from Chase bank to learn why exactly my accounts were closed, without proper warning, over night. After being locked out of my online banking, I was only sent a physical letter with a warning in the mail a week AFTER Chase had already closed all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
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:
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.

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 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 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/ I received a text from my bank asking me if I attempted a transaction of {$12.00} on my debit card and provided me a case number and telephone number in the text. I was sceptical and did not reply to the text because I did not recognize the telephone bank number. However, I check my bank account and to my surprise there were 4 debit card charges of {$12.00} each for that day. I called the number provided immediately to dispute the charges and stop further unauthorized transactions. I was surprise again that the number was not a 24 hours access number nor any of the bank 's XXXX numbers I got from XXXX or the mobile app. I was afraid that my account has been compromised and there is no way to stop it since this is happening on Saturday night to early Sunday morning and no one at the bank to talk to. I called again that XXXX  around XXXX and was able to speak to a bank personnel. I relayed my issue to him and have my debit card cancelled and a new one issued but was shocked when I was told that the bank can not do anything about the fraudulent transactions since they were " pending '', I have to wait until they " went through ''. I do not understand why the bank can not stop the payment of the fraudulent transactions but have to wait until they are paid to file a complaint. Now, my account is compromised, I can not access my funds until I receive a new debit card but someone can access it with free range and I am short of {$48.00} from my hard earn money which I left in my bank for safe keeping and they allow someone else other than me to have access to it and stole it under their very nose and to tell me there is nothing they or I can do about it. I am having a hard time to understand this. My bank is Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Cashapp has not refunded me nor has not been wanting to refund me my money that I been scammed. It already has been almost 2 months and all I get is that it has been denied for no reason. I did get 1 of 5 refunds that I was supposed to receive but didnt receive the rest. I am currently still missing almost XXXX USD. How is it that they refunded me one but not the rest? How is it possible for someone to make all those transactions in less then an hour? And still not find a scam in it? I already tried to call, email, and chat through them online through the app and they Totally ignore me. Please I need this money I did not give an authorisation for the transactions that were made. I even tried to tell them before they took my money out so they could cancel or prevent the transactions and all the told me was that I had to wait for them to go through. Not a satisfy customer right now and definitely no good customer service. No one had access to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to formally raise my complaint regarding the inaccurate credit information present on my credit file. It is disconcerting to find that the following information has been included in my credit report. I strongly urge you to promptly verify the inaccuracy of this information and remove it from my profile due to the detrimental impact of such inaccuracies on my creditworthiness. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. These items contains inaccurate details 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 XXXX XXXX. Please remove these items from my credit profile ASAP.

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 2023-05-21
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:
XXXX XXXX is reporting my personal non-public information to the credit reporting agencies in violation with Federal and State laws detailed below : Based on 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA and Texas Penal Code, Title 7, Chapter 32, Section 32.51, XXXX XXXX has committed Identity Theft against me by reporting my private non-public and personal information to consumer reporting agencies without my consent or any lawful authority.

15 USC 6802 ( e ) ( 6 ) of the Gramm-Leach-Bliley Act confirms that financial institutions may only share information to consumer reporting agencies in accordance with the FCRA.

15 USC 1681 ( d ) ( 2 ) ( i ) of the FCRA regulates what can be included in a consumer 's report and it confirms that transactions and experiences are to be EXCLUDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I Stanley-Howard : XXXX /agent XXXX the principal did not authorize anyone from XXXX to collect on any debt pertaining to my principal in accordance with 15 usc 1681 b they will not stop trying to collect on said 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 non-monetary relief
Consumer complaint received 2023-07-18
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: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: NAVY FEDERAL CREDIT UNION
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:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or 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 2021-05-03
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I refinanced my loan with XXXX with monthly payment as follows : Principal : {$340.00} Interest : {$410.00} Total : {$760.00} Paid {$800.00}. {$36.00} towards principal I was informed that The Money Source Inc. ( TMS ) would be XXXXhe servicing company. 

The Money Source Inc. ( TMS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : XXXX Emai : XXXX XXXX gave me two loan numbers as follows : Second TMS Loan No. : XXXX XXXX XXXX First/Original TMS Loan No. XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX I was informed that the payment would start from XX/XX/XXXX. Since I could not set up an online payment ( due to technical problem of TMS website ), I sent a check for {$800.00} to TMS which received it. 

In the meantime, I received to notifications that my servicing account was transferred to XXXX. 

According to the notification which I received from XXXX XXXX ( dated XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), my loan was transferred to XXXX effective XX/XX/XXXX, XXXX and XX/XX/XXXX respectively ( please see the attached ). 

But according to an email which I received from TMS said that " effective XX/XX/XXXX, the servicing of your loan will be transferred to XXXX XXXX d/b/a XXXX XXXX ( copy attached herewith ). 

I called TMS a total of three times. At all those occasions, I was told that the {$800.00} which remitted to it would be transferred to XXXX. 

On XX/XX/XXXX, I called TMS and talked with one XXXX XXXX. She told me that according to the law, TMS can hold the money for 90 days and within 30 days, {$800.00} will be transferred to XXXX. 

On XX/XX/XXXX, I called TMS and spoke with XXXX XXXX. She said TMS did not transfer {$800.00}. 

On XX/XX/XXXX, I also spoke with Spoke with XXXX XXXX of TMS. He said TMS received {$800.00} on XX/XX/XXXX. He said that {$800.00} was not transferred, it would take up to 60 days. I told him that period was over. 

He said that XXXX XXXX provided an account number of XXXX XXXX XXXX. In fact, MrCooper.com account number is : XXXX XXXX XXXX. 

XXXX XXXX, after checking with someone else, said that {$800.00} is for TMS for the month of XX/XX/XXXX, and payments to XXXX should start from XX/XX/XXXX. 

Then he said that the TMS is entitled to {$800.00} as the account was transferred to XXXX only on XX/XX/XXXX I told him that Fannie Mae and XXXX informed me that my mortgage servicing was transferred to XXXX on XX/XX/XXXX, and XXXX respectively, and emailed a copy of those letters. 

He said he would further make a research on this. 

On XX/XX/XXXX, XXXX XXXX called me back and said that {$800.00} was wire-transferred to XXXX on XX/XX/XXXX. Ref. No : XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with the Customer Service of XXXX which said that it did not received {$800.00} from TMS.

I would appreciate very much if you could ask TMS to refund me {$800.00}.

Company response to consumer: Closed with explanation