BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: GVA Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 at about XXXX I clicked a link on my phone that said to get " money instantly '' when applying. I had no idea what site this was from but it was matching me to a bunch of different vendors to see who could assist me. I clicked through one creditor that could offer {$800.00}. I was clicking through the pages and entering my data when I clicked to " agree '' I was brought to a page that said I would be paying an APR of 699.9856 % with finance charges of {$3600.00} for an {$800.00} quick loan. I panicked and wanted to immediately refuse the deposit, however my husband convinced me to keep the loan as we needed the cash for rent and that we could pay off the loan way before paying thousands of dollars on it. At the time I didn't even realize this was a payday loan. I never even visited this lender 's site. Now after visiting their site and seeing their privacy policy of : " Aaniiih Nakoda Finance , LLC DBA Bright Lending is an entity formed under the laws of the XXXX XXXX XXXX Community of the XXXX XXXX XXXX of Montana ( the XXXX ), a federally-recognized and sovereign American XXXX XXXX. Bright Lending is wholly-owned by the XXXX. Bright Lending is a licensed lender authorized by the XXXX XXXX XXXX XXXX. '' They don't even sound like a legitimate business company. Today, I called and revoked my ACH authorization after I have already paid this company more than what I borrowed. I have paid them {$1200.00} from an {$800.00} loan. I asked them to please close this account and cancel this debt as I would be contacting my attorney and filing suit against them. I have a XXXX  daughter and a husband and rent my home. We live paycheck to paycheck with no savings and very little money in the bank. I need assistance in closing this account and I am not against helping others who are also in my situation get justice from companies like Bright Lending who think it's ok to make a customer pay them {$4400.00} from a {$800.00} loan. Thank you for your time. I have my loan agreement attached for you to browse and share with anyone needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
XXXX XXXX XXXX Called and was told to put in a fraud application. And never recovery anything account was closed out and couldn't find anyone to 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 2023-05-15
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these 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 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 2022-02-22
Company: Social Finance, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I had multiple charges that occurred on my SoFi Credit Card. I had received alerts on my phone that these were possible fraud charges. I was out that day and immediately went to head home to call SoFi about these charges on the same day. 

They submitted the fraud case on the same day but now on XX/XX/XXXX, with multiple calls to different support reps, the case hasn't progressed at all. One representative told me another rep had messed up the report previously and had to correct it. 

As of today, XX/XX/XXXX, I called again and to my surprise the rep told me the case was close without anything done with the fraud disputes... The rep told me they needed to try and reopen the case and contact upper management. 

I'm not sure if SoFi will be able to dispute these charges at all. The company doesn't even grant temporary credits until the dispute case is done either. I should not have to be stressing every morning and calling SoFi to see if my fraud charges have been dealt with.

I've called SoFi atleast over 10 times and each reps responses seemed unprofessional. Never have I been so frustrated with a bank such as this. 

These are the follow charges in question for SoFi Credit Card : XX/XX/2022 XXXX {$58.00} XX/XX/2022 *XXXX {$92.00} XX/XX/2022 XXXX {$63.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have submitted multiple complaints in regards to a credit card scam I was victim of. I have requested to have someone reach out to me via phone each time. I have yet to receive a phone call about it. When I offered to settle ( this has been impacting my credit while trying to resolve legally ) I was ran through and idc calculator. The collections agent persuaded me to answer one of the questions differently than what I had originally answered. This caused me to be denied a settlement. I have said I am willing to pay everything, including the XXXX fraudulent double charge. The only thing I am asking to settle on is the interest accrued while trying to resolve this. The collections agent told me if I don't pay the whole thing they will just sell the debt to a collections agency and just write off the lost money in their taxes. This is ridiculous and an example of irresponsible lending from Wells yet again. Wells Fargo is a parasite to American society.

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 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America has committed many federal violations not only against me, but others as well. They have violated my constitutional rights under the XXXX and XXXX Amendmends to our constution. I attempted to obtain a property modification five times and no response from them whatsoever. This is a violation of federal law. They also violated federal law under XXXX XXXX. Let them look that up.They also have been investigated under the RECO ACT. They also have had many class action lawsuits. They also had me pay for private morgage insurance which is against New Jersey law. They stole my home at XXXX XXXX XXXX XXXX, nj XXXX. XXXX paid then sold it again and got paid again. I wish I was Bank. I will be contacting XXXX and XXXX. To inform the people not only in NJ but other states as well

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 2023-04-27
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX of XXXX I switched my phone service with permission from XXXX XXXX XXXX. XXXX made it clear that I had to pay my outstanding bill from XXXX to obtain a code that would enable me to transport my service from XXXX to XXXX. On the XXXX of XX/XX/XXXX, I paid with my debit card {$240.00}, which I was told was my final bill, and on that same day, my cellphone was switched from XXXX to XXXX. In XX/XX/XXXX, I received a bill for {$280.00} from XXXX, claiming that I owed the unpaid balance. I tried to explain to them, but they would not give me a listening ear. They then processed and sent my name and this amount to a collection agency XXXX XXXX, in Pennsylvania. I would receive calls from all odd hours and every day of the week. They would send me an email, notices in my mailbox, etc. I tried to explain that I did not owe this money, and there seemed to be an error. They reported me to the credit bureaus, which caused my credit scores to drop. Fast forward to XX/XX/XXXX, I decided to purchase a home and was advised to go ahead and pay off this debt of {$280.00}. On the XXXX of XXXX, I contacted XXXX XXXX to clear this bill ; my account was debited for {$340.00} that day. Their agent told me within XXXX to XXXX business days, I would receive a notice of payment in full either via fax or mail. I asked for a fax copy to be sent because the underwriters need it urgently. They promised I would receive the fax that same day within 30mins to an hour. Today, XX/XX/XXXX, I am still waiting to receive a mail or the faxed copy. I have called this agency daily, and they keep giving me the runaround. I asked to speak with a managXXXX, but none has taken my call. I am left stranded and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX  XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, XXXX, XXXX & Experion. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, XXXX and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, XXXX delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.

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 2023-08-11
Company: EQUIFAX, 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:
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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX regarding account number XXXXXXXX XXXXXXXX XXXX XXXX in the amount {$680.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.

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 2023-08-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit never answered my XX/XX/2023 compliant. 
Consider this Served Notice!!! 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

I need to see your chain of title as well!

Bond insurance- Any signature I have supplied your company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it again. It is not permissible to fail to validate these reporting accounts. Investigate these accounts and verify them as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$84000.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$130.00}

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 2023-03-28
Company: EQUIFAX, 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 applied for a loan online. Filled out my personal information, REPEATEDLY. Then, they said they needed my credit score and said if I didn't know it, I could get it for FREE, here .... and they had a link to click on that took me to Equifax. Again, I had to give all my personal information. I finally get to the last page that says they have my credit score ready, but before they will give it to me, I must give them my credit card # and info and get membership and pay {$1.00} now. That is not free. I don't want membership in anything, especially anything to do with Equifax because this is the 4th time I've encountered their fraudulent and deceitful *get your score for free* scam. The same with XXXX saying they will raise my score by XXXX points if I download their app. I don't get how this is even legal. It's so deceitful. Giving me a higher score for merchants to see and believe my credit rating is higher than what is should be is so dishonest. If people don't deserve a certain score, giving it to them because they downloaded an app is just shocking to me. I'm not sure about XXXX, but all 3 are always listed on the *free-not free* free credit report page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2020-08-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Dear sirs, We have been clients of HSBC Bank since XXXX. First abroad and then in the USA. 

But since we are XXXX  and dont live in the USA, we have just maintained our account, and we used to receive statements by the post. Suddenly they have stopped arriving, but since it is not our main account, we haven't noticed. It hasnt changed the balance over the years and we weret worried about it. 

In the beginning of XX/XX/XXXX we received an email from the manager,  saying that the account is negative. And a week later 2 cards by post office - dated XX/XX/XXXX and XX/XX/XXXX. 

We are astonished to get acknowledge that our account has been emptied, without a single email notice, or written letter, explaining that there would be a monthly charge of US {$50.00} if the balance was below a minimum balance of US {$75000.00} after a determined date! 

We checked the account and was successful ordering previous statements ( online, inside the accounts service ) - that the Bank sent by mail - the envelope arrived fastly. More astonishing - they began deducting on XXXX XX/XX/XXXX. 4 managers took care of the account since then. NONE OF THEM, NEVER, HAS EVER INTRODUCED THEMSELVES, CALLED OR SENT AN EMAIL OR A LETTER - NONE EVER PRETENDED TO TAKE CARE OF THE ACCOUNT OR CARE FOR THE CUSTOMER. NONE OF THEM GOT IN TOUCH TO OFFER TO LOWER THE CATEGORY OF THE ACCOUNT, TO BE CHARGED A MONTHLY FEE OF US {$3.00}. 

On XX/XX/XXXX I got in touch thru a chat, explained the case, asked for a ombudsman contact, but the answer is that nothing can be done, and that there isnt an ombudsman contact. The attendat offered that the accounts manager gets in touch, bus this hasnt happened. I asked for the cHat transcript thru e-mail, I gave 2 email addresses but hasnt received it in any of them. Fortunately I saved a pdf copy of it. 

Today, XX/XX/XXXX I tryed to check the balance in order to check if they continue debiting the account, but theres a message to get in touch and I cant access the extract or balance. 

We kindly ask you to refund our account, since we didn't have at all the opportunity to make a deposit and adequate to the new conditions of the bank. We were deeply harmed by this situation and it is not fair to face such a great loss inadvertently. We just want to be refunded and proceed the account closeure, with minor prejudice We really appreciate your best efforts and attention in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: IN
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:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 


XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX. XXXX 8. XXXX 9. XXXX 10. 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 2023-08-11
Company: EQUIFAX, INC.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NV
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 information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief