BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: American First Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good Afternoon, I am following up based on the information discussed on the phone call today with XXXX. 

During our conversation, I advised XXXX that the information you reporting to XXXX is inaccurate. Since XXXX, the account has been reflecting as a CLOSED CHARGED OFF, witha balance od {$320.00} suddenly ( today ) the account is showing as an OPEN account. Per XXXX, it should NOT have been reporting as a CHARGE OFF or CLOSED as it was only CHARGED OFF internally. XXXX also advised that the account should have always reflected {$760.00}. 

I advised XXXX that 1. I do not owe that amount. I had insurance to cover my purchase, your company applied a damage waiver of {$400.00} for the bed but could not cover the full amount due to XXXX XXXX admitting that the bed was damaged due to their employee not putting the bed together correctly ( please note that I continued to pay while you conducted your investigation ). XXXX XXXX is responsible for the remaining balance not me as the bed could not bed used due to their error. Your company began reflecting the account as a closed charge off with a balance of {$320.00} ( please see below ) and has done so for the last 4 years up until today. This was disputed because I do not owe and your company XXXX XXXX does, your company came back stating the information was verified ( please see below ). 

Today XXXX offers me {$220.00} to close the account, this is laughable because the account has already adversely affect my life. Please see snippets of how your company has been showing on my Credit Report. 

As a resolution, please update the account as paid/closed as soon as possible and send a letter via email confirming that this has been done to ( XXXX ). The information previously reported has negatively impacted my life and was being reported inaccurately ( this was admitted on a recorded conversation ) and I will seek to pursue Montary relief if this issue is not resolved. 

Additionally, this is bad business, also admittedly and proven by the damage waiver payment applied to the account there was damage done to the bed, it was not fully cover due to the issue/damage ( admittedly ) being the fault of the merchant not me. 

Please also be advise this company previously responded to an investigation that the account reporting as closed/charge off for {$320.00} was accurate. 


If you have any questions, please reach out to me at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed Bayview of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XX/XX/XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. 
I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by Bayview, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XX/XX/XXXX, and would like to do so in peace. I am providing the attached information. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Affirm Holdings, Inc
State: TN
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:
On XX/XX/XXXX of XXXX  I had made a purchase on XXXX XXXX XXXX XXXX for a XXXX  and chose to use Affirm to finance the purchase. Upon completing or what I had thought to be the completion of the purchase I received an email from Affirm asking me to go back to XXXX and complete my order. I then went to check my email inbox to see if I had received any emails from XXXX with an order confirmation email, but I could not locate one in my inbox or spam folder. 

So at Affirms request I went back to XXXX and completed my order. Once again I did not receive any order confirmation email from XXXX so I went online to check my Affirm account to see that I now had two pending loans with Affirm. I attempted to work with Affirm and XXXX to resolve the matter but XXXX was unable to locate any orders under my name and address provided. Affirm was also unwilling to work with XXXX to resolve the matter. 

I eventually received two XXXX XXXX from seller who had placed the bids on XXXX and immediately returned the second computer processor to the sender via XXXX  I then paid the first loan off with Affirm and filed a disputed for the second loan providing them with the XXXX tracking number showing them I had returned the product to the seller as this was a duplicate order created by Affirm asking me to go back and complete my order. 

Affirm then denied the disputed and demanded that I also pay them for the second loan that was created in error by a misleading email sent by them also knowing the merchandise was returned to the seller. Affirm has since turned the second loan over to XXXX XXXX a dept collector and there is now a collection pending on credit report. 

I believe this to be a XXXX violation as this has adversely affected my credit report. This first loan has been paid in full to Affirm and the merchandise for the second loan was returned to the seller but yet Affirm still wanted to collect on this dept knowing all of the above information. 

I have all email communications and screen shots related to this matter as evidence. 

Please assist. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello. Venmo informed me on XX/XX/2022 that my account " has been frozen due to recent activity that triggered some security alerts. '' The email did not say I needed to do anything to unfreeze the account, so I assumed I could access my account with a password change. 

When that did not work, I emailed Venmo 's customer service email with the issue on XX/XX/2022. They replied that my request has to be forwarded to another team, and " they will follow up with you here, via email in 7 business days to 2 weeks. '' I told them that timeline was not acceptable and that I have funds in my account that I need access to. 

When I did not receive a response, I called customer service. I explained my issue, but they insisted there was nothing they could do and I would have to wait for this other team to email me. They told me my lawyers could contact them and hung up. 

I note that their user agreement says nothing about this time period. 

Locking up people 's money around the holidays with no recourse for them to access it is appalling. I understand the security measures, but there should be a way to timely address this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: U.S. BANCORP
State: CA
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:
Re : Merchant ID Numbers : XXXX, XXXX Elavon merchant services ( elavon.com ) owned by US Banks and affiliated with XXXX XXXX has been our credit card processor since XX/XX/2014. They have recently withdrawn a total of about {$140000.00} from two of my business accounts in one day. When we called them to question the activities, they gave us multiple reasons as to whey they can't release any information claiming that they are investigating our accounts and that it is with fraud prevention. They explained that we might get the money back in 90 days. Later, mentioned that IF we get the money back it won't be till 120 days. We are 100 % sure this is XXXX stealing from us because of their lack of information and false claims that " they are investigating. '' In addition there are hundreds if not thousands of ripoff reports online along with XXXX complaints, and similar consumers that resulted into lawsuits. 

We've called them over 10 times and can't get an answer from them. There seems to be a " Processing Representative '' who isn't releasing her last name claiming that she can't provide that information as it isn't relevant. We asked her for her email address to send her a log of all of our receipts and she advised that isn't going to change anything and refused to provide her email address. There seem to be four representatives in the processing dept. by the name of XXXX. We called XXXX 's main phone number and one for their reps gave us the name of XXXX XXXX which we are questioning is a real name. He seemed very nervous and stated " I'm just a rep I have nothing to do with this. '' We are a small family with a small business trying to make ends meet. We have XXXX kids and this is so much money. We are under a lot of distress and really need your help with this matter. I am at XXXX. 
Sincerely, 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 2023-05-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
We're unable to get your credit information from the bureaus. Please review the information you provided to ensure that it's accurate. If any of your information has changed recently, such as your name or address, the bureaus may not have the newer information. 

To help resolve this issue, call Experian XXXX provide them with your account identifier number provided below. 

Experian Account XXXX Won't fix it at all talk with them for XXXX week to get it fix but run around run around

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 2018-10-29
Company: Experian Information Solutions Inc.
State: VA
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:
Since XX/XX/2018, I have been trying to get this report accurate. EXPERIAN reporting practice is VERY Discriminatory. 

For example, they only report CREDIT LIMITS for negative accounts ( See attached ). THEY DO NOT report CREDIT BALANCES, CREDIT LIMITS, STATUS AND TYPES FOR POSITIVE ACCOUNTS. How are they able to do this pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I WANT THE CREDIT LIMITS, BALANCES, TYPE, AND STATUS ON EVERY ACCOUNT REPORTED ACCURATELY.

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 2023-03-03
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-08
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was approved for a Possible installment loan on XX/XX/2023, with payments of {$23.00} due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My initial payment of {$23.00} was successful, but as my second payment approached, I began to experience financial difficulties. Given my current situation, I asked for a deadline extension to give me more time. Knowing that payments are reported to credit bureaus after 30 days, I diligently attempted to contact customer service to confirm whether payment reporting would be based on the initial or extended new date ( Ex. When a payment is delayed with XXXX 30 day reporting is based on the new delayed payment date and not the original payment date ). Unfortunately, I was not successful. With no provided information, I attempted to execute a single payment for the current due installment ( again trying to save my credit ) but was unable to do so and was forced to pay the whole amount due. When I attempted to acquire assistance with my payment issue again, I was met with generic robotic messages and no direct number to call for immediate assistance. This is an unfair practice that does not provide consumers witha fair chance to save their credit reporting and prevent adverse actions. Even after agreeing to pay the sum in full, I have yet to receive assistance as of today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam of CFPB I disputed the referenced accounts XXXX which is XXXX XXXXXXXX XXXX XXXX as of 2018 The credit report of XX/XX/2018 shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. I have all my proof of documents to hold in court to show it has been removed and Equifax violated the FCRA which is {$1000.00} per each to me from Equifax I will exchange this for a immediately. 

Thank you, Your Name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 I had over XXXX in my account I kept getting charged a {$35.00} fee then started getting charged a {$500.00} holding fee which I never understood. I would log in to check my balance and it would show XXXX for a return holding fee that was tooken from my account and was never returned they next day XX/XX/2020 I checked my account and had 2 - {$500.00} for a return fee regions was taking my money I ended up closing my account and never opened another regions I was told to dispute the transactions and I would recieve my money back its been almost 2 years and I never gotten a penny back over XXXX of hard earn money tooken from me from a bank that I thought I could trust.

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 2017-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
In   XXXX  , I was denied employment with  XXX  due to false negative debt reporting by Bank of America. Bank of America reported that I had over {$10000.00} in negative debt, which was a disqualifier for  XXXX  Applicants. Though Bank of America apologized and admitted fault for the errors, I sustained damages that I was never compensated for. Presently Bank of America reports that my mortgage loan is abandoned though it is paid as agreed.

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 2021-08-19
Company: EQUIFAX, INC.
State: AL
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 obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: MA
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:
A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, MGL 93A. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further  damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.

Company response to consumer: Closed with explanation