BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: Bizcorp, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a high interest loan. I wanted to cancel it within the two days but am having trouble contacting anyone. I have sent multiple contact us emails through the website. I intially told the representative I get paid on the XXXX and XXXX. They tried to take out the money on the XXXX. The man on the phone said they had to take it out early due to South Carolina state laws. He refused to take extra money out so I could get this paid off early. The number given goes only to him. He is very mean and rude. I tried another number they gave me which has a recording that says it is an attempt to collect a debt but noone answers. I finally sent an email saying I revoked their authorization to take money out until I could talk to someone to straighten things out and they took out money anyways. I have no idea what to do. Because they won't take extra out and I can't work something out with them to take it out on my paydays I would literllay be paying this off forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: MoneyLion Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Moneylion is an app that allows you to borrow cash, Moneylion states I didn't pay back this {$28.00} on XXXX. Even after me giving them my bank statement and my email confirmation that I received from Moneylion after the payment was made they still have my account owing them {$28.00} for over a year, waiting on me to pay back an amount that I have already paid, I even paid additional {$35.00} because he transaction caused my account overdraft, and a year later I am still being told that I did not pay this amount that I paid, also they are playing on people intelligence Please Download this app, they already that 2 transactions can not be made back to back you have to pay the old one off before they are able to give you a new instacash borrow  ... and they are acting like they don't know this but the whole organization knows this and they are simply playing on peoples accounts and acting like people owe them money when really do they need to get hit with a large fine because they are using people to pay extra money we don't owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Account status incorrect

Complaint:
The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? _______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate. ______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

National Credit Systems has not provided requested information. I contacted National Credit Systems via certified mail RR XXXX XXXX XXXX XXXX XXXX and they did not respond. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently viewed my credit report and multiple accounts has been opened with out my consent nor do I recall any knowledge of these fraudulent accounts, names, address that are reporting to my credit. I took immediate action when noticing these items by contacting all three major credit bureas and creditors that are reporting these negative items to my report that are causing financial losses and emotional distress causing me to be denied credit and pay increase interest rates 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: World Acceptance Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2023-07-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, while reviewing our information our account at XXXX XXXX XXXX  ( XXXX ), account # XXXX, my wife discovered that {$50000.00} was transferred to Synchrony Bank on XX/XX/XXXX without our authorization. We immediately filed a fraud complaint. We then called Synchrony Bank ( Synchrony ) and discovered that an account had been fraudulently set up in my name, account # XXXX, and the money from XXXX were to fund the account. We immediately claimed that fraud was committed, and they agreed and froze the account preventing any unauthorized withdrawals. 
Both XXXX and Synchrony performed their ( Reg E ) due diligence and realized that I was a victim. Without my knowledge XXXX filed for a reclamation but was rejected by Synchrony due to their freezing the account and preventing any withdrawals. 
While this was going on, both banks had been telling me that the reclamation was in process and that it should be resolved within days. Each time I called for a status update each bank would tell me something different and that it would take longer to resolve. 
To prevent a long-winded story, on XX/XX/XXXX, I instituted a three way telephone call between myself and both banks. After ninety minutes it was finally (? ) resolved as to what each bank had to do to have the funds returned. However, Synchrony advised me that even though the process has been sped up, they will still take their time in returning the funds to XXXX, with a resolution time of nearly three ( 3 ) months. 
I have filed a complaint with the executive offices at XXXX but was unable to find any means of communication with Synchrony executive offices, hence this complaint.

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 2023-06-14
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'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a lease with Hyundia Finance, which I have paid on time for the past several years. In XX/XX/XXXX, Hyundai starting applying my monthly lease payments to property taxes without informing me and, in XX/XX/XXXX, Hyundai informed me I was 60 days late on my lease payments and I learned they reported this to the credit bureaus. I paid the property taxes upon learning about the amount due, but Hyundai continues to report me as being 60 days late on my lease payments in XXXX, which is not true and the records conclusively demonstrate that all lease payments have been paid on time.

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 2023-03-06
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:
Experian didn't conduct a proper investigations into my dispute as my rights were violated. Please refer to the below. 

CFPB # 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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On multiple occasions I have sent the attached letter to Transunion stating " According to the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see VERFIABLE PROOF ( an ORIGINAL CONTRACT WITH MY SIGNATURE ON IT ) you have on file of the accounts listed below. Your FAILURE to POSITIVELY VERIFY these accounts must be removed and if you are unable to provide me a copy of VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. '' The accounts I am addressing WITH PROOF of letters from the companies are XXXX XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX. I have separated and reported separately the XXXX XXXX ACCOUNTS with legal documentation. 

You will see there is NO PROOF OF A CONTRACT, NO PROOF OF MY SIGNATURE, ACCOUNTS TAKEN OUT NOT USING MY FULL NAME AS I USE WHEN APPLYING FOR LINES OF CREDIT, NO PHONE RECORDING OF ME ASKING FOR A LINE OF CREDIT, NO VIDEO SURVEILANCE OF ME APPLYING ONLINE FOR A LINE OF CREDIT. 

How then, with this proof, is TRANSUNION VERIFYING 100 % that these are indeed my accounts. THEY CAN NOT and the proof is attached. Statements, payments made by someone, goods received by someone, does not constitute legally that these are my accounts. 

PLEASE SEE DATES ON LETTERS : XXXX  XXXX XX/XX/2018, XXXX   XX/XX/2018, XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XX/XX/2018

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 2023-06-14
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Please refer to previous complaint XXXX with the CFPB. A woman named " XXXX '' from Citi Bank Executive Office called my phone number ( XXXX ) XXXX at XXXX XXXX  XXXX leaving a message of XXXX seconds. I was at work and could not receive phone calls. " XXXX '' message DID NOT resolve my issue of having restrictions of multiple verification hold placed upon my credit card account with Citi Bank. 

A woman from Citi Bank called ( and did not leave her name ) on XX/XX/2023 at XXXX XXXX  XXXX leaving a message for XXXX seconds. Again, I was at work and could receive phone calls. The representative from Citi Bank did not resolve my issue of having restrictions of multiple verification holds placed upon my credit card. 

Citi Bank is evading the concern and repeatedly discriminating against me as a customer by continuously asking for my address ( abusive surveillance ) while utilizing skip tracing and workplace address and phone ( for purposes of harassment ). Citi Bank when the information has been provided over the phone to Citi Bank account representatives, Citi Bank account representative then deny my request for transaction - opting to repeatedly send letters requiring me to call to provide the same information only to have my credit card transactions declined by CitiBank. 

In Citi Bank 's response letter, Citi Bank lies about my phone number not being on file for verification purposes. It is the same phone number that I have used to request a new credit card as well to verify purchases. Citi Bank is discriminatory because they do not harass consumers who have savings accounts with the credit card company. Citi Bank does not harass consumers with low balances. Citi Bank does not harass XXXX and XXXX  who have high credit scores. Citi Bank has made using available credit extremely hard despite me paying the minimal payment or more a month- not having been late with a payment in the current. Also, Citi Bank just started this process this year and did not restrict use of my credit card years prior DESPITE never going over my credit limit to the current. 

If the CFPB supervises Banks ( credit card companies ) to ensure these institution do not practice discriminatory practices to consumers, then why are these institutions and organization being able to be their on judge and jury in-house to solve discriminatory issues and unfair consumer business practices. Citi Bank continues the same practices and CFPB assists CitiBank with not resolving issues that many Americans frown upon even though CFPB has an Ombudsman... Congressional representatives should look into this Agency for XXXX XXXX XXXX  with the financial institutions CFPB was created to protect consumers from.

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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Chase bank. My mother has a mortgage of approximately {$67000.00} at 5.85 %. After my father died in XXXX, I tried to refinance under my name, and was denied. I have an excellent credit rating. I live in XXXX XXXX, and am a property owner there. The date when I received their formal letter of denial was XX/XX/2021. The property is on the XXXX XXXX XXXX XXXX. 

I have since learned that others in the neighborhood on the XXXX XXXX XXXX XXXX have also been denied a refinance with Chase.

I was referred to their " Escalation Department, '' and was told that someone would get back to me in 48 hours. I called them 72 hours later, and was mysteriously disconnected TWICE. I am still attempting to get through to them. When this disconnection happened the second time, I decided to file a complaint. I am still on hold after the third call with Chase as I'm completing this complaint.

Company response to consumer: Closed with explanation