BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-09-21
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Apple had an offer of {$25.00} cash back for each new family member added as a participant to Apple Card. On XX/XX/XXXX, my father added me as a participant on his Apple Card. According to this promotion, the cash back of {$25.00} should have been transferred to my Apple XXXX Card seven days after making a purchase of {$25.00} or more. I spent more than the {$25.00} required and still have not received this cash back. On XX/XX/XXXX, my father contacted Apple and the call was transferred to a Goldman Sachs representative who confirmed that we did everything correctly and that they would look into this matter and respond by 10 days. On XX/XX/XXXX, we were informed by Apple via email that Goldman Sachs received the inquiry we made on XX/XX/XXXX, adding that Apple is taking this concern seriously. The email stated : Your Rewards Inquiry has been forwarded to the appropriate department for investigation. Rewards Inquiry are typically resolved within two complete billing cycles, but no later than 90 days after receipt. We may contact you if additional information is needed. If we do not need additional information, you'll receive a notification when our investigation is completed. I feel that we are given the runaround and it is taking too long to resolve. Hopefully this promotion was not a false/misleading advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: Collection Bureau of America Ltd.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Bureau of America working as XXXX XXXX had a {$10.00} " late fee '' added to my account XXXX. I paid that account, in full, on XXXX. 

The late fee they added, they have been reporting as late since XXXX. It has destroyed my credit. 

This is for account XXXX under XXXX XXXX, just in case CBA wants to say they " don't have my account '' like they tried to say earlier, when I told them they are extorting the {$10.00} payment as a Pay to Delete scheme. 

Funny. All of a sudden, they delete my account. But then, they will not tell me that ALL incorrect credit reporting will be removed going back to XXXX. 

This has been the single biggest negative mark on my credit and I have recorded all calls with them today. I will have no issues taking them to court and publishing the entire experience, including the initial extortion, online. And I will promote that page so it is viewed as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 


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 XXXX XX/XX/2023 XXXX  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 2023-04-28
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I receive my social security money on the direct express debit card and they sent me a new card and I have tried to activate it but every time I call them to do it they cant verify who I am. Ive called them at least 10 times over 2 days. Ive done everything they say, I sent them copy of my photo Id front and back. I went to social security office. I have all my money on that card and they will not help me. They are very rude and keep giving me the run around. This is what I use to pay all my bills and buy my food and medicine with. I dont know what else to do..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I called PHH mortgage on XX/XX/XXXX to ask about why our PMI hasn't been taken off our mortgage payments since we've had the loan for over XXXX  years and were originally told that PMI will be removed once we hit XXXX  years on the loan. They explained we would meet the threshold to remove PMI in XX/XX/XXXX so I asked how much money we owe to meet that threshold. I was told we need to submit {$5300.00} for the PMI to be removed. I called back on XX/XX/XXXX and approved a {$5500.00} payment to our principal and requested that the staff member submit our request to remove PMI. She explained she submitted the request and I would receive a letter in the mail with details about the PMI removal within XXXX days. I never received a letter so I called back on XX/XX/XXXX and was told by both staff members who I spoke to on the phone that they never sent a letter in XX/XX/XXXX. The escalation manager I spoke to continued to lie to me that there were no notes or calls in my file from XXXX or XXXX. I then told him the exact dates and times of the calls since I take detailed notes and have call logs and emails with all the information from those calls. He then told me he found a note from those calls and that he apologizes that they didn't send me the letter. This is already very concerning since they purposely did not send the letter they were required to to remove our PMI. He then said I need to pay about {$200.00} to get an appraisal on the house to get rid of PMI. That is inaccurate based on previous information I had received in writing from PHH and my previous loan company ( before PHH took over our loan ). This company is clearly trying to scam me out of my money by saying they require an appraisal when that's not true, as well as not submitting or sending appropriate necessary paperwork to remove our PMI. They happily took our money but did not do their part of the agreement to remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 do not understand why and how the XXXX XXXX XXXX are even able to continue reporting the fraudulent accounts and information on my XXXX XXXX. On XX/XX/XXXX, I sent a dispute letter to the XXXX XXXX XXXX requesting that they investigate and remove the accounts and information from my XXXX XXXX that resulted due to fraudulent activities. However, I happen to check my updated Credit Report and was shocked to see that despite my efforts, the disputed items are still being reported. I demand the XXXX reporting Agencies to send me copies of proof of verification or any documents giving these items the rights to exist on my Credit Report. Under the protection of the Fair Credit Reporting Act section XXXX, the XXXX XXXX XXXX are required by federal law to remove the accounts and information from my Credit File that resulted due to fraudulent activity and yet the Credit Bureaus still indicated the disputed items on my Credit file without properly verifying the items ' accuracy. XXXX again, I need the following items removed completely from my Credit File without any excuse nor exception : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX. I demand the XXXX XXXX XXXX to send me copies of their so-called " investigation '', that is if they conducted any at all. In the event that the Credit Bureaus are unable to provide these documents within the time allowed by law ( XXXX XXXX  ), I expect nothing but immediate deletion of the disputed items from my 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 2019-01-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I had an existing 'payday loan ' ( {$300.00} ) with Easy Money-XXXX XXXX XXXX , XXXX , TN XXXX. When I went in to pay off and rewrite the loan on XX/XX/18 the representative told me my payday loan ( due once per month as I am on Social Security ) was changed by their Corp Ofc to a 'Flex Loan ' and that payments would be $ XXXX/month until paid in full, with an extended credit line of {$500.00}. I chose not to increase the credit line and it was to remain at a principle of {$300.00}. The {$49.00} was to be debited from my bank account once per month. On XX/XX/18 they debited {$15.00} from my account instead of the {$49.00} agreed upon. When I contacted the rep she said 'the Corp Ofc changed the contract because it would take 'too long to pay off ' and that the {$15.00} withdrawal was a 'late fee ' which they debited instead of the {$49.00}. When asked why I was not notified of the contract change she replied that they 'just didn't have time to contact everybody '. I subsequently filed a complaint with our local XXXX who referred the complaint to XXXX Ohio ( complaint # XXXX - ref # XXXX ). XXXX Ohio stated Easy Money CCFI et al  Buckeye Check Cashing stated they 'never ' had a loan contract with me. I then provided a copy of the original contract which clearly states it is a 'Flex Loan ' ( Account # XXXX ) and the principal amount of {$300.00}. They then changed their position and stated it was a 'Fixed Loan '. The XXXX Ohio could offer no further resolution but to provide resources to initiate a 'regulatory ' complaint. I also sent certified letters to both the Easy Money local office and Ohio location indicating the contract was disputed due to their unilateral breach and revoked their ability to access/debit my bank account. I also sent an account dispute notification to their website on XX/XX/18 following my conversation with the store rep who deleted the online account information immediately after my phone conversation with her. It was restored after I filed the XXXX  Complaint even though they told XXXX  there was 'no contract '. They never responded to my online dispute notification. To date I have not received any communication from Easy Money, CCFI et al Buckeye Check Cashing regarding the dispute. I would like to get this resolved but strongly feel there is definitely fraud and deceptive business practices involved here and I feel certain that it began with their store rep and continued because they felt a retired senior citizen wouldn't notice it. I am retired and financially vulnerable but I am not stupid. I would be more than happy to provide whatever documents you require as I would like to bring resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was recently trying to get pre-approved for a mortgage but when the mortgage company pulled my credit my Experian report was blank. My XXXX and XXXX  was fine and showed credit history but my Experian had nothing. Around XX/XX/2021 I contacted Experian to resolve this issue. Initially they told me my account was locked for 72 hours and so I waited the necessary time before contacting them again. The agent then told me that my profile needed to be rebuilt and to contact them in 3-5 business days. I again waited the necessary time to contact Experian. Additionally, I had requested the agent to leave a note on the account to explain what the issue was. When I contacted them again no one knew what the issue was, there was no note, and I still couldn't access my account. After staying on the line for an hour the individual I was discussing my issue with hung or got disconnected, this happened again immediately after. Each group I talk to at Experian immediately transfers me to another group where I have to explain myself again, they constantly say they will put a note on the account but every time i ask the next person if they see they note and they say they don't see anything. 

It's been three weeks now and I still don't have an answer or even any idea if any action is being taken because each persona I get transferred too doesn't know anything that has happened on the account, maintenance, notes. nothing. I can't apply for loans or credit card or anything that involve a credit report. This has been incredibly frustrating and at this point I'm just stuck. Calling doesn't help, talking to their supervisors doesn't help.

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 2023-09-21
Company: Block, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at XXXX I tried to withdraw {$120.00}. The machine was taking forever so I started to record with my phone. The atm machine finally said timeout. So I called the bank that the atm was at and left a message and tried to get ahold of my card issuer as well. No one was available on either end and I had to wait until business hours to speak with someone. The banks atm called me right away and I was told that I would have to deal with my card issuer. My card issuer has made it impossible to find out whats going on. They refuse to escalate my call to a supervisor every time that Ive requested. I was told numerous times that they will email me an update and I have not received that either. Since then Ive had my electricity shut off and was made to pay a {$100.00} reconnection fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I went to a Regions Bank location and requested that my joint account be closed with my son. I am currently the legal guardian of my son and presented paperwork that shows I have legal authority to handle his legal and financial matters. The bank confirmed the account was at XXXX balance and that the account was closed. They took the debit card associated with the account and cut it up. Two days after closing the account, a recurring charge was presented to the account and created a negative balance. I chatted with Regions Bank and informed them that the account had been closed and that any charges presented to the account should have been declined. They informed me that despite the account being closed, when a charge is presented, the account will reopen and go through. I specifically asked them what the point is then of closing an account if future charges can go through and reopen the account. They told me they could not assist me in reclosing the account until it was back at {$0.00}. I made a XXXX  payment to the account and brought it {$0.00}. They provided me a confirmation number that the account would be closed. The next day, I had an alert that there was a {$36.00} overdraft fee for the account being negative, despite my closing the account at a XXXX balance. Regions Bank stated they are not able to reverse the overdraft fee.

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 2021-01-27
Company: JPMORGAN CHASE & CO.
State: CT
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:
Jpmcb Card Continues to show on my credit report has an inquiry. I dont know who or what this is but I have not pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: FIRST HERITAGE CREDIT LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
First heritage Credit in XXXX, TN called asked for the wrong person I asked that the not call the phone anymore and XXXX XXXX or should I say XXXX still did. Also called a work number and was asked not to call there and she called again the next day which is a violation of the fair debt collection practices act. That vey next day when she was told not to call the day before spoke to an HR director asking personal information about an employee. And told the HR director that she was going to garnish the wages when she shouldn't and where can she send the garnishment to. This employee has not even been served so that was a threat when the company doesn't even have a judgement. XXXX XXXX XXXX slandered this employees name and discredited her deformation of character. I spoke with her supervisor XXXX XXXX who works out of XXXX, TN office he said he knows nothing of the issue and that she shouldn't have said that if there was no judgment and employee has not been served. I also called the county clerk office in XXXX to see if they sent anything through there courts in XXXX county circuit court. I spoke with XXXX and XXXX on XX/XX/XXXX she explained she has not filings with the courts under any such name or other names possibly used. XXXX XXXX also said he would contact me by the end of the day to let me know what was going on. I never heard from him and I as well called the office back and he still was not there. This is a violation of practices when the employee has not been served or a judgement nor even a letter to inform her of the account delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: RAS LaVrar, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report.This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 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 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

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 2023-09-21
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting 2 account incorrect. The credit acceptance account is not my account and she be removed asap. The other account which is Chylser Capital she be reporting charge off. They have already repossessed car and sold it.

Company response to consumer: Closed with explanation