BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: Social Finance, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I received an email from SoFi with the subject line " Important! Activate your newest benefits '' instructing me to upgrade my existing SoFi Money account to their new Checking and Savings option. As part of the email, a {$300.00} bonus for certain direct deposit requirements for " All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checking and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account. '' After the evaluation period, I did not receive my bonus so I contacted customer support. They stated that because I had set up direct deposit in my SoFi Money account in XXXX, I was not eligible, despite the terms clearly stating that an existing member who sets up direct deposit in Checking and Savings would be eligible, which I did. 

Customer service refused to provide the bonus despite me meeting the terms and their reason for disqualification being impossible due to the Checking and Savings product not existing in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX the consumer applied for a American Express Platinum Card to Extended Consumer Credit to open a account to make finance charges. American Express took Adverse Action and violated multiple Federal Laws.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that American Express is in violation of 15 U.S. Code 1681m ( a ). Adverse action Does not mention denial of credit. American Express took Adverse against the consumer credit.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that American Express is in violation of 15 U.S. Code 1681a ( 2 ) ( B ). The consumer extended credit to American Express by issuing the consumer credit card [ SSN ]. American express denied credit to the consumer after authorization.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ). American Express did not disclose to the consumer that information will be reported to a third party. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( B ). The consumer was not given the opportunity to opt out before the information was disclosed to a third party.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that American Express is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( C ). The consumer was not given an explanation of how the consumer can exercise the nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: WV
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:
Not certain if this is the correct form. It fell between categories. 

Experion, though their boost program, is supposed to help you raise your credit score by linking to your accounts then reporting your payments. They lied, it's a scam. 

In my about 20 days as a member, I have had nothing but problems with them staying connected. They haven't reported anything like they're supposed to. They keep 'losing ' or 'disconnecting ' one of my accounts to the point where it locked up my original account with that provider. I have been disconnected at least 10 times, I quit counting after the day it happened four times in as many hours.

When I contacted them about that, they sent me some automated response about how they weren't connected to every bank yet and they'd look into it. Which they did not since by the next morning I had to reconnect that same account. 

They *claimed* it's on the other end, that the bank updated their security or you changed your password the second and third time I tried to contact them about this issue. Neither of which is true. The one time I had to change my password - because logging in to reconnect locked that account - I did finally get it to reconnect for all of XXXX hours. Then it was lost again. They have made no effort to report anything on that account either. They claim they need at least 3 months of payments when I asked customer support about that. I have 8 years of payments on there. Not a single one has shown up as reported. 

They also say they can link into another credit account of mine and supposedly, somehow, can't connect to it for those same 20 days. 

They also try to sell you on signing up for various credit cards, which will end up hurting your credit score so you need them even more, and you can not unsubscribe from those emails. I have tried, three times, and it will not take the unsubscribe. I have connected them on both matters. Their customer support is vaguely hostile with the way they do not pay any attention to anything you've written to them. I'm not sure if it's one of the automated responses or not but I get form letters about nothing relevant.

In the last day and a half I have exchanged seven emails with them about the connectivity issue. It should be easy to fix on their end. I have gotten what looks like automated responses about everything *but* what I've written to them about. Their phone customer service has nothing to do with boost, they're just there to ask about things in your credit report.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I have an XXXX XXXX Credit card issued by XXXX XXXX XXXX XXXX XXXX. I'm currently an XXXX  and XXXX veteran getting a XXXX XXXX in XXXX  in XXXX XXXX   who honestly went back home to XXXX  during the COVID outbreak. When I went home I didn't update my address and failed to pay the {$XXXX balance on the credit card because I wasn't aware I owed the balance. I've had a banking account for 17 years with XXXX and a credit card account for at least 5 years. 

I've been in XXXX  displaced from COVID for over a month and got an email stating there were changes to my credit score. The credit report stated I had a a delinquent account with XXXX. While I acknowledge I failed to pay this on time, it clearly would've been paid on time but for the fact I didn't see it. I requested that XXXX remove the negative credit report, but I was told XXXX was unable to remove it, but they could refund me my late fee. This is the first negative credit report I've ever had and I requested it removed after being a loyal XXXX customer for nearly 20 years with over 9 of those years banking with XXXX as a served as a XXXX  in the XXXX XXXX. 

The Consumer Financial Protection Bureau ( CFPB ) issued a statement regarding COVID-19 's impact on the Fair Credit Reporting Act and in paragraph 3 of page 1 it states : " The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. '' I respectfully request to remove the negative credit report from my credit report due to the fact I've never had a negative report ever and I was not aware I owed this because I left XXXX XXXXXXXX at the beginning of the COVID-19 outbreak in early XXXX. Further, I've attempted to repay the late balance upon notice of the negative credit report. I've made good faith efforts to comply by updating my mail address so this will not occur. This is a tumultuous time and the CFPB would not have issued a policy statement on this matter if the CFPB did not think this was to occur. 

Thanks in advance. 


https : //files.consumerfinance.gov/f/documents/cfpb_credit-reporting-policy-statement_cares-act_2020-04.pdf

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2023-03-31
Company: PNC Bank N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing this letter to file a complaint against PNC for repeatedly putting back the disputed information on my credit report. I have filed multiple disputes with PNC regarding incorrect information that was reported to the credit bureaus. However, despite my repeated efforts to get the information corrected, PNC has consistently failed to update my credit report and has instead put the disputed information back on my report multiple times. This has caused significant damage to my credit score and has affected my ability to obtain credit and loans. Despite my best efforts to work with PNC and resolve this issue, they have repeatedly failed to take the necessary actions to correct my credit report. I request that PNC take immediate action to correct my credit report and remove the disputed information once and for all. Additionally, I would appreciate it if you could provide me with written confirmation that this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trans Union would not allow me to gain full access to my credit report because I have initiated a freeze with this company for failing to deal with the disputes of inquiries in the past. Today, I was able to only initiate a dispute through their DISPUTE website PAGE when I realized that there is inaccurate information being reported by my credit union. In an effort to dispute BOTH accounts that are inaccurately reported, Trans Union would only ALLOW me to initiate ONE disputed account at time and their rules require that I wait the full 30 days before another dispute can be initiated. This rule prevents me for having full access to accurate information being reported by them.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX, XXXX XXXX Balance : {$4300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/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 2023-08-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Date : XXXX Amount : {$9500.00} Wire Transfer Reference # : XXXX I sent a wire transfer from TD Bank to a recipient bank in XXXX. The money never arrived. TD Bank was unable to provide evidence of the following : * that they sent the money * that the intermediary bank received the money * that the intermediary bank forwarded the money * that TD Bank made good-faith attempts to investigate the problem TD Bank claims that the intermediary bank is XXXX XXXXXXXX in XXXX, but TD Bank is unable to provide any proof that XXXX XXXX received the money. 

I have contacted TD Bank multiple times, both in-person and over the phone. I asked managers in TD Bank to escalate the problem multiple times. TD Bank managers refused to escalate the problem, and were unable to suggest ways to resolve the problem. 

To resolve this problem, TD Bank should return my money. I am complaining to the CFPB as a last report in an attempt to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
An installment loan was taken out in my name and now Im receiving harassment calls due to unpaid balances. I set up a payment plan to repay the loan and now Im receiving calls that I will be taken to court and sued. This is unfair. Ive set up a payment plan to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my house and the funds were wired to my account and the bank has put a 10 day hold on my money. Originally I was told that they would put a 2 day hold on it and when we went to get money out they put a hold on it and said we couldnt get our money until the XXXX. I have purchased another home and I need my funds. There is no reason foe this hold it wasnt a check it was a wire and they refuse to release this hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Direct Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX XXXX, I received an email from " XXXX '' telling me to create an account on line to manage my " account. '' I thought it was phishing, so I ignored it. ( email attached ) At XXXX I received an email stating I was approved for a loan in the amount of {$1600.00} and " the money is on its way! '' I ignored it thinking it was also phishing. ( email attached ) I never applied for a loan with this company. I never received any money from this company. My credit monitoring agency has no record on my credit report or record of this company. 

Some time around XX/XX/XXXX I received a letter from a debt collection company, Direct Recovery Services, seeking to collect {$1700.00} on my " account '' with XXXX XXXX XXXX. ( copy of letter attached ). I have not contacted this company. 

I understand that this may be a bogus operation that creates false loans based on publicly available information. It then sells the loans and the loan purchaser tries to collect. See XXXX XXXX XXXX XXXX Or, it may be identity theft. 

I do not want my credit affected by this bogus loan. Could you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My daughter leased a new car with Honda Financial Service and I co-signed as it was her first new car when she graduated from college in XXXX. Her lease expired and she leased a new Honda on XX/XX/XXXX. XXXX Honda in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that Honda pays that. The manager of XXXX told me the lease was closed and all set. Honda Finance told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that Honda pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at Honda Financial and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TMX Finance LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
TitleMax gave me a loan on my vehicle and put the monies on the debit card debit card was stolen and I notified them and they never sent me the statements or even emailed them to me and then all of a sudden the company showed that has the monies shut down so now I can not do anything on top of that. They repossess my vehicle. I paid them owed and then they put the car under your name so I have not been able to register the car when my plates were expired because the car is not under their name. It does not have a lien. It is under their name so it basically says that they own the car free and clear I dont own it, no lien put in their name, and I have the car in my possession

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account at Axosbank. Used their bank service, made decent transactions. Later opened saving account. They unexpectedly closed my two accounts without notifying or warning. They refused to release funds and never did send Cashier checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card with Bank of America. I have making my monthly payments. Now, it said my card does not work and I can not obtain a new card. Since my card had not worked for XXXX months and I am still being charged interest.

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