BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Upstart Holdings, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I applied for a {$5000.00} personal loan for household purposes through UpStart as I had received a loan from them back in XXXX  and had paid it off. I received an adverse action notice in the dashboard stating that information on my credit report was the reason for my denial even though it stated that I had a credit score of XXXX and a XXXX XXXX XXXXXXXX through XXXX. As a consumer, defined under 15 USC 1602 ( i ), the adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. And since this loan was requested for household purposes, the denial was unwarranted and a violation of my consumer rights to not have my credit report used against me. Seeing as this is not the first time my application was denied for {$1000.00} back on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: JPMORGAN CHASE & CO.
State: IL
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:
MY NAME IS XXXX XXXX. I AM XXXX YEARS OLD SND HAVE BEEN A VICTIM OF FRAUD ON ALL MY CREDIT CARDS. I EVEN HAD TO CHANGE MY BANK ACCOUNT NUMBER. THERE IS A COMPANY CALLED XXXX XXXX XXXX XXXX XXXX  THAT HAS GOTTEN A HOLD OF MY CREDIT CARD INFORMATION. THEY CHARGED MY CREDIT CARD 2 TIMES XX/XX/XXXX {$12000.00} AND XX/XX/XXXX $ XXXX WAS TOLD THAT THE CREDIT CARD COMPANY WAS GOING TO REFUND THE {$18000.00}. I THEN RECEIVED A PHONE CALL STATING THAT THEY CAN'T REFUND ME BECAUSE OF THE LENGTH OF TIME THAT THE MONEY WAS PAID. I HAD CHARHES FROM THIS SAME COMPANY THAT CHARGED MY OTHER 2 CREDIT CARDS VISA AND XXXX. THEY BOTH REFUNDED MY MONEY. I THEN CALLED THE CC COMPANY WITH MY FRIEND XXXX AND WE SPOKE TO XXXX AND SHE THOUGHT WE WERE ON HOLD BUT HEARD HER LAUGHING AND TALKING ABOUT ME. SHE SAID I WOULDN'T REMEMBER ANYTHING NEXT MONTH. SHE WAS TAKING ADVANTAGE IF A SENIOR CITIZEN AND SHE DISRESPECTED ME. I HAVE BEEN A CLIENT OF THIS CC COMPANY FOR YEARS AND REALLY FELT TERRIBLE.WHY ARE THESE COMPANIES TREATING A XXXX XXXXEAR OLD LADY LIKE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My vehicle was broken into on XX/XX/2022, and various items were stolen including a checkbook for my personal checking account at Umpqua Bank. I immediately filed a police report for the incident, but failed to realize that my checkbook was among the items stolen until XX/XX/XXXX, when a forged check for {$800.00} was cashed and the funds were withdrawn from my account. I immediately informed my bank, had my account frozen, and amended my police report to report the stolen checkbook and subsequently forged check. Umpqua Bank has not reimbursed me for the stolen funds, the case was turned over to their internal fraud investigation department, but they have not furnished me with any written correspondence regarding a determination of my case. I have requested updates multiple times through my local Umpqua branch, but have not been given any definitive status updates ; Ive only been told verbally that its likely that the fraud department will not reimburse me because the believe keeping a checkbook in my vehicle does not constitute ordinary care in the safekeeping of my financial information per my account agreement, which I would dispute given that my car was locked, the checkbook was concealed in the glove compartment, and it was parked on a well-lit street with surveillance cameras facing it. I also contend that Umpqua Bank did not exercise care when they honored a check that very obviously did not have a signature matching mine.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: NJ
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 XXXXXXXX XXXX  Account # XXXX 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 The account is Also closed but remains visible and harming my credit score

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 2021-01-06
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a follow up complaint to what I submitted on Monday, XX/XX/XXXX against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Ph : ( XXXX ) XXXX. Myself and my mother called dozens of times on Monday because their faulty system took double payment from us. See other complaint on account # XXXX for details. 

I was told by XXXX ( alleged manager ) that he would forward my information to processing and that I would be refunded by today XX/XX/21. As of XXXX, I have not been refunded for the extra {$710.00} that was taken from my checking account without authorization. I was told on XX/XX/21 that they would reverse this extra payment and that the processing lady " catches these mistakes '' right away. Both the authorized payment of XXXX and unauthorized amount of {$710.00} were posted to my XXXX XXXX account, meaning they processed both. 

I called today several more times. I left a message with supervisor XXXX XXXX at approximately XXXX, and as of XXXX, has not responded to my request for contact. XXXX, another alleged supervisor, said that he would have to send my request to processing ( again ) because he couldn't see that she did not refund what was owed to me. 

At this point, their behavior has turned criminal. They processed {$710.00} that I did not owe or authorize, have had several days to process the refund, and have ignored all my requests for contact. They also processed the unauthorized amount of {$710.00} instead of reversing the charge. This company is engaging in fraudulent behavior and stealing unauthorized payments. I want this money refunded to me. I would also like to be reimbursed for all the overdraft and late fees I've incurred as a result of this criminal behavior. To date, I have incurred two overdraft fees totaling {$39.00} each from XXXX XXXX, that would have otherwise been covered if not for their stealing an extra payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: HW Holding, 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: Account information incorrect

Complaint:
MY HOME WAS BROKEN INTO IN 2018, I SPOKE TO THE LEASING AGENCY AND WAS ALLOWED TO BREAK MY LEASE, HOWEVER, I HAVE NOTICED THIS ITEM ON MY CREDIT REPORT WHEN I WAS TOLD IT WOULD BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following inquires I have absolutely any knowledge of, ( 1 ) XXXX XXXX -XX/XX/XXXX, ( 2 ) XXXX XX/XX/XXXX , ( 3 ) 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 2023-06-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( Rooms 2 Go ) Account number XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy. 
15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting

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 2021-01-06
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted 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 explanation
Consumer complaint received 2019-07-03
Company: JPMORGAN CHASE & CO.
State: CT
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 filed a dispute with Chase in XX/XX/2019 and was given a temporary credit of {$500.00}. I received a letter from them on XX/XX/2019 informing me the credit was removed because I did not provide additional information after merchant contested. I called Chase the same day and explained I never receive any letter or voice mail requesting any information. I was told to fax a request to Chase to reopen the claim, which I did the next day on XX/XX/2019. I called today on XX/XX/2019 for an update and found out the reopening request was denied since too much time has passed after the merchant 's response. 
It's very disappointing that I was never given the opportunity to respond to the merchant 's response, and I was denied a refund for the unfinished work by the merchant after he signed a contract to perform the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CCF Intermediate Holdings LLC
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
The Last Time before XX/XX/XXXX that I took out a payday loan with them was in XXXX. XXXX was going on. So, on XX/XX/XXXX I ran into a little financial trouble and put in online for a payday loan. It was approved. Only problem was they had my old banking information. On an XXXX XXXX Account that's been closed since XX/XX/XXXX. They had an option to add a debit card. But, none to change the banking information. So, I added my debit card. Thinking the funds would be deposited there. Then no funds were deposited on the Card and XXXX XXXX said. They never would get the funds because with the account being closed. It would reverse ACH back to XXXX XXXX. I called XXXX XXXX on XXXX XXXX to inform them. They agreed to what XXXX XXXX Said. Then on XX/XX/XXXX. Early XXXX XXXX. in the morning they debited my Card for {$240.00}. The {$200.00} That I never received. Plus {$40.00} interest on funds never received. Then I called in XXXX  times. The Customer Service Reps were rude. The last one claimed her Supervisor said that the Bank Statement from the closed account showing closed. Where no deposit could be made. Because, it was closed was not good enough. Sir, Ma'am I'm XXXX and on a fixed income. These folks are being very preditory and thievish. They're robbing people without a XXXX. I need my {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Early Warning Services, LLC
State: NC
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:
Early Warning Is still reporting fraudulent information. They have deleted and blocked this information over a 1/2 a dozen times. They have reinserted it illegally. The law 605B of the fair credit reporting act tells the CRA very specifically what they need to do with the claim of identity theft. Part A states they have to block within 4 business days of receiving the information from me. B tells the CRA they must notify the furniture sure of the information that the block was requested and that they blocked it. C is the most important section of this complaint. Its early warning breaks the law because C only gives them 3 reasons to rescind or decline a block. 1. Error. 2. Materially false info. 3. The CRA has proof that goods or services were received from the blocked transaction. None of these 3 things exist or valid, so when early warning removed the block they rightfully placed to begin with, they are IN FACT, breaking the law. XXXX has never responded to my complaint here because they know they are lying. Early Warning simply believes XXXX lies. I will include early warnings last 2 acts on this account, only two days apart. Also 605B of the FCRA, The notarized police report and id. All 4 parts of the law i need to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I lost sight of my phone and my card that was on the Wallet attached to my phone. I was able to retrieve my phone back and none the less I cant even describe how happy and grateful I was until I logged into my bank account to see all the funds in my checking account has been cashed out through XXXX XXXX. A random persons name was shown as the XXXX  tag name. The name is XXXX XXXX. This person used my debit card and cashed every single dime out of my checking account. I am a XXXX XXXX employee and XXXX  trying to take care of my self and help my family out. I bank with td bank which to my knowlage theyre fdic insured. Well after trying to file a claim against the fraudulent charge that accrued in my account, I just kept Getting my claim denied even though td bank was notified when I got my card information stolen. I want this to be investigated because td bank is more than a horrible banking company I have always had problems where it would take more than the expected time for me to receive a deposit check and more of that sketchy banking system that accrued when a bank claims to be fdic ensured but in reality they are just lying to their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
The account was charged off also car was repo and they still trying to charge me all dis fees also the account was closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid 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:
Comenity Bank, N.A. owes me a balance of {$310.00}. Now, they are stating that they only owe me {$190.00}. I have a screenshot of what they are mendaciously slandering on my account with them. I closed the account in early XX/XX/2020. They are deliberately withholding the money they could refund to my bank account or send to me by check so that they can keep the money. This appears to be fraudulent on their behalf. 
The customer service representatives lied to the XXXX XXXX XXXX  of XXXX XXXX, CA and said that they solved the problem. They did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of four inaccurate accounts from pages 3 and 4 of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page 3 of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX On page 6 of the XX/XX/XXXX Trans Union report XXXX there is a XXXX XXXX XXXXXXXX XXXX showing a last payment of {$0.00} being made and received in XX/XX/XXXX. It was reported as good standing in XX/XX/XXXX. 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX XXXX XXXX XXXX XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.

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 2021-01-06
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage XX/XX/XXXX and contacted Caliber on XX/XX/XXXX to discuss what my options were to cure the default. Per XXXX ( employee id XXXX ), I could extend my forbearance or apply for loss mitigation and she would mail paperwork to my home. On XX/XX/XXXX XXXX  ( employee id XXXX ) stated that my deferment agreement was due back by XX/XX/XXXX with a mortgage payment due XX/XX/XXXX. I never received this agreement nor did I receive any phone calls about a possible deferment. On XX/XX/XXXX, XXXX ( employee id XXXX ), stated that if I was unable to make a payment then I would have to apply for loss mitigation. I told XXXX our hardship would be resolved so we could resume payments XX/XX/XXXX but XXXX said that was not an option so I submitted my paperwork on XX/XX/XXXX. On XX/XX/XXXX a letter was mailed stating my request for assistance was denied due to me not accepting the deferment option. My mortgage company forced me in to a plan that I could not comply with, forcing me to apply for an alternative only to be denied. I have only followed the instruction of my mortgage company and will now be left homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Back in XX/XX/2020 I file my first dispute with all 3 credit bureaus.

I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.

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