BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Uplift, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am writing to formally express my deep dissatisfaction and disappointment with the service provided by XXXX XXXX. I would like to draw your attention to a specific incident that occurred on XX/XX/XXXX, which has caused unnecessary stress and inconvenience for me. 

On the aforementioned date, I attempted to purchase an item worth {$500.00} on XXXX and opted to use Uplifts XXXX  service. To my surprise, Uplift immediately debited an amount of {$120.00} from my bank account as the first installment. However, the same night, XXXX informed me via email that they had canceled my order due to an inability to verify my payment details. 

Given the promptness with which Uplift debited my account, I anticipated a similarly efficient refund process. I waited patiently for a week and when no refund appeared, I reached out to Uplift 's customer service. During my conversation, I was informed that refunds are typically processed within 15 days. Trusting this information, I waited another week, only to be met with continued disappointment. When I contacted Uplift again, I was told that the refund process might take up to 30 days and, to add insult to injury, I might also be liable for the next installment payment. 

This is an egregious and unacceptable practice. With the prevailing interest rates around 6 %, I am appalled to think of the significant sums these financial institutions potentially accumulate through withheld customer refunds, benefiting from daily interest. 

This situation has highlighted an urgent need for improved policies that safeguard the rights and interests of consumers. No customer should have to endure such financial inconveniences, especially when they are not at fault. I urge Uplift Inc. to expedite my refund and re-evaluate their policies to prevent such distressing experiences for others in the future. 

I expect swift resolution to this matter and hope that Uplift Inc. can regain the trust I once had in their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: AR
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 submitting my complaint to inform you that the Credit Bureaus neglect to correct these accounts in my credit file, I never been late in paying, so the current status should not be showing late because I paid it on time. Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct them immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : US DEPARTMENT OF EDU XXXX Opened XXXXXXXX XXXX XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXXXXXX XXXX Balance {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 c. ( 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 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 2023-08-18
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: REGIONS FINANCIAL CORPORATION
State: IN
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 have attached a copy of my FTC complaint stating the Regions Bank & XXXX XXXX XXXX XXXX are fraudulently reporting negative items on my XXXX report. I spoke with XXXX XXXX and she stated that they have not received the updated FTC report that I sent through the CFPB on XX/XX/2019. They simply closed it without putting in any further notation. I am once again attaching the documents as well as mailing it to its office at the address below. I demand that XXXX takes this complaint seriously and remove the items from my credit report. I will also be forwarding this to the FTC. 

XXXX XXXX XXXX XXXX, PA 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 2023-10-12
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I am following up to the CFPB Response I received yesterday regarding a mortgage loan assumption. It appears that NewRez is refusing to waive my late fees, which I am willing to let go because XXXX XXXX issue is pertaining to the loan assumption which is to be completed by my mother XXXX. The response stated that underwriting declined XXXX for the loan assumption due to no record of a housing payment on her credit history or having a rental agreement. 

At the time of the Loan Assumption application, I have stated on NUMEROUS occasions that XXXX DOES NOT pay any mortgage or rental expenses associated with the existing XXXX Loan. I also explained the original letter of explanation had a typo. The first payment XXXX made on the loan was in XX/XX/2023. I have once again attached the explanation letter the underwriting team is refusing to accept. The guidelines for an FHA XXXX do not require previous rental or mortgage history. I took my original XXXX XXXX out and did not have to provide any of this information. It is rather clear, that NewRez is purposing not pursing a loan assumption for XXXX because they do not want to honor the original interest rate of 2.75 %. I am demanding this be escalated to Underwriting XXXX and the XXXX of your organization. I refuse to wait another year to have this account reviewed for a loan assumption. This is absolutely ridiculous and violates many laws that protect the consumer. If NewRez is unwilling to honor the loan assumption, I want to see the FHA Guidelines that are being used where it states she must have 12 Months Rental or Mortgage History. It is not an accurate statement according to my research.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have two accounts both were suppose to be given hardship help, they did one but the rep never filed the other. We did not know and when we got our bill and no relief so my wife called I am XXXX at first they allowed her to help me but after they made the mistake refused to talk to her, so I paid what I could each month. Sent them a certified letter to stop calling and ruining our excellent now horrible credit because of one card. We paid what we could they refuse to help now charged it off and we can't pay anything. Afraid of what they will do next I have sent two certified letters My husband is sick and we own nothing but one vehicle and afraid they will take it and we have no way to get medical or food. 
We want to pay always have but with COVID needed help. We pay all out debts and want to resolve this but they refuse to work with my wife. I have XXXX XXXX XXXX and XXXX they now won't let us even try to pay. 

Thank You We are in Dire need of help. I have no problem talking with them through my wife but they just kept calling for the entire amount due which became a nightmare as they charged late fees and interest rate not reduced as they said. The enclosed documents explain in detail what they have done and what we have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Conduent Incorporated
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Health Savings Account ( HSA ) with XXXX, a product provided by Conduent Inc. I have had this account since XXXX. I have had it linked to my checking account for deposits and withdrawals just as long, for at least 13 years. 

Recently I requested a transfer from my HSA to my bank account on file ( this was on XX/XX/XXXX ). Typically this will process in about 5 business days. 

ON XX/XX/XXXX ( 11 business days later ) this still showed " processing '' but they had not released my funds. I sent a message asking why and received the automated response : " Please call member services, as your concern would be best handled by speaking with a representative. Call us at XXXX, M-F, XXXX EST ; or XXXX XXXX. Thank you for contacting us. '' I called the number, held for 40 minutes, then the line went dead. I sent another message asking for a call and received the same automated response : " Please call member services, as your concern would be best handled by speaking with a representative. Call us at XXXX, M-F, XXXX EST ; or XXXX XXXX. Thank you for contacting us. '' I called again the next day and again, 45 minutes on hold, no answer. I sent another message - again the same exact response to call. 

It is impossible to submit a reply to any of these automated responses- the system acts as though it allows it however it does not allow any submission as a response. 

Finally, I was able to connect with a live representative. After verifying more information that I need to provide for anything else including : Name, Address, Date of Birth, Social Security Number, Account Number, Security code answer, destination bank account, exact dollar amount of request they refused to process and email and phone number - finally the person told me the funds were held because of potential " suspicious activity. '' The activity in question was a reimbursement as I process each and every year, requested by me on my online access to the same bank account that has been on file for over a decade. Rather than contacting me to affirm this was a legitimate request- they refused to do so. They refused to contact me on the phone when requested 3 separate times. They do not answer the phone ( or at least it takes extreme luck to get to a live operator ). It was clear to me they are incapable of allowing the customers who have funds in accounts with them to access their funds.

This is unacceptable. They charge a monthly fee. They pay XXXX interest ( or in all honesty, 0.04 % ) when a savings account pays 4 %. They are clearly making money on the float, and the refusal to allow customers to access their money or providing any clear manner for them to address such an issue is inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Zelle accept payment from even the other payment or transaction is fraud and they wont reverse payment even though they can so i want people to know that zelle is not safe app because u will lost anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/2021 I tried logging into my Chase Bank checking account after receiving an email stating that I recently deleted my phone for use with Chase Mobile. It then stated If you have any questions about this message or believe you have received it in error, please contact us immediately at XXXX XXXX XXXX XXXX. I gave Chase Bank a call and they said that there have been unemployment deposits into the account totaling {$25000.00} over the past year and that they are closing my account and parting ways with me. They said they could not tell my anymore than that and that I need to go into a branch to speak with them about it. They did say to bring records from unemployment as proof of the deposits. I brought those into my branch and the banker called and spoke with someone and then said that they have decided to part ways with me and that he didnt have any details as to why and that they had already closed the account so the proof of the unemployment deposits was no longer necessary. He said that within 7-10 business days they will send me a check from my balance and a letter as to why they have closed my account. I said so I dont have access to any of my money for 7-10 business days?!?! He said yes. I can not believe that they can do this for someone. Leave them without their money for that long! This cant be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A small charge of {$21.00} was made to my Macy 's XXXX account on XX/XX/2022. On XX/XX/XXXX, I discovered that there was a late payment on my credit report from an alert that came to my mobile device from XXXX. Upon discovering this, I immediately called the creditor and made payment explaining to them that I had not received a letter, email, or phone call letting me know that payment was late. 

After reviewing over XXXX emails I received from Macy 's since my purchase, I only found 3 emails with the generic subject " Your Macy 's American Express Card Statement ''. All these emails ended up in a separate " Promotions '' folder in my inbox. These emails also show no balance due or indicate urgency that payment is due/late. I called their credit department explaining this and to see if they could correct my credit report by removing the late payment. I received a letter on XX/XX/XXXX stating that they would not clear it. 

On XX/XX/XXXX I called again. The initial representative encouraged me to talk to their credit department again but they were steadfast in their decision to not remove the derogatory mark. To that end, I canceled the card in frustration. 

In my opinion, creditors should not solely rely on generic emails to indicate something urgent to their customers. This creditor only sends monthly bills that all look the same with no indication of a balance and they can easily get lost in all the other promotions that are sent from them. They send no follow-up emails to clearly show your payment is late. This is the least they could do, but I would fully expect that they would send a letter in the mail or make a phone call PRIOR to notifying the credit bureau so the issue can be rectified. Most customers don't mean to pay late. My credit score was in the XXXX 's and it is a priority for me to pay my bills on time. With this, my credit score was adversely affected by XXXX points. It is unfortunate we could not come to an amicable solution so I want to file a formal complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  XXXX/ {$0.00} / XX/XX/2022

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