BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
on XX/XX/2021, I applied for a 48-month loan for {$2000.00} and an estimated monthly payment of {$73.00} as advertised on XXXX. Additionally, I uploaded the required documentation ( copy of my earnings statement, social security benefit verification ) as proof of income. I received an email congratulating me on the approval of the loan and confirming receipt of the requested documentation. On XX/XX/2021 at XXXX XXXX  XXXX ( Onemain Financial ) called to review my loan application to finalize the loan request. Our call was lost. I called back and another agent answered and stated he was attending another customer and that he would give XXXX the message to call me. I did not receive a call so I called at XXXXXXXX XXXX. to speak to XXXX. He answered and said he would call me back in 10 or 15 minutes because he was helping a customer. XXXX called me back at XXXXXXXX XXXX he began reviewing my application with me and indicated that I was approved for {$9200.00} unsecured and {$13000.00} secured. I told him I wish to stick with the {$2000.00} loan request. At that point, his conversation changed with me. He showed a lack of wanting to continue working with me because I did not want the additional money. He was curt and unprofessional, so I withdrew my application, and he could not be happier with my decision. These are not ethical and good lending practices. My loan request was turned down because I did not want the additional money at their high-interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank closed my account in early XXXX and they said they are investigating and reviewing my accounts. So they took all the money from my account and I believe the total is about XXXX dollars. Every time I call customer service, they tell me the same thing, saying the bank is still reviewing and they can not provide me a time frame for that. I have at least XXXX dollars transferred from my home country 's account. I had some remaining balance from my mom sending my money from XXXX before. And some other transfers are from my neighbors and friends. I can provide evidence for all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I went to Wells Fargo ATM at XXXX XXXX XXXX, XXXX XXXX, CA to deposit business checks totaling {$14000.00}. The ATM malfunctioned and did not give me my checks back. A screen popped up and I pressed yes not realizing what it was. It was depositing {$.00} into my account. I ran into the bank to get help and they informed me they have nothing to do with the ATM call the number on the receipt. I called the number and submitted a claim and gave them all 8 check numbers and amounts. I was told it would take 10 days to investigate and they would do a provisional credit. I received a letter in the mail stating the same information. After 10 days I called to find out the status and they were still investigating. I received a letter over a month and a half later dated XX/XX/2023 they finished their investigation and found no error occurred and were reversing the provisional credit. I called them to reopen asking how could 8 checks and a deposit slip so 9 items be lost in a lock box on their property! I never received the checks back and you can see that on the camera. It is now XX/XX/XXXX and they still have not found 8 checks and a deposit slip in their ATM and said this is a fraudulent claim. One representative told me to not use the ATM and to have all the checks reissued. I have sent a detailed letter to XXXX XXXX XXXX XXXX, ATM Claims Department and WF in XXXX XXXX. I want to know what happened to our checks and how their is no alarm on their end that nearly {$15000.00} in checks are just gone! 2 of the checks are cashiers checks and 6 are personal checks. I have been reissued 7 of the 8 checks from the clients but still waiting for one cashiers check. I would like an answer as to where my checks went and I want them given back so I can return them to the people who wrote them. This has been a total nightmare!

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 2021-12-21
Company: Experian Information Solutions 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:
Have repeatedly disputed accounts that dont belong to me or involved fraud charges. Credit Bureau fails to remove account encouraging defamation of character and causing financial hardship

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my business account without notifying me or providing a reason why. I made payments EVERY single month. When I called the representative had a hard time finding my files. They refused to reopen my account and was very nasty and discriminated against me because of my nationality it was absolutely no reason for them to close my business account

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 2022-11-24
Company: Experian Information Solutions Inc.
State: MN
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.

And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of Education/ XXXX XXXX XXXX XXXX / amount {$1700.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, Dept of Education/ XXXX XXXX XXXX XXXX XXXX {$4300.00}, Dept of Education/ XXXX XXXX  XXXX XXXX XXXX XXXX {$2800.00}, Dept of Education/ XXXX XXXX # XXXX XXXX {$230.00} XXXX Dept of Education/ XXXXXXXX XXXX XXXX XXXXXXXX /amount {$3000.00} Account name XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX  XXXX XXXX XXXX XXXX XXXX XXXXamount {$720.00} =PAID OFF Experian, XXXX, and XXXX have 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. 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 explanation
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a breakdown years ago, I was in a financial dilemma XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX son. As a result, XXXX of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX - CARD SERVICE  XXXX and XXXX  - CARD SERVICE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX CARDs customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Manual payment of full statement balance made on XX/XX/XXXX for {$2200.00}. XX/XX/XXXX charged an additional {$1600.00}. Credit card balance now shows - {$1600.00}. Company admitted no fault citing auto pay of statement balance. However, statement balance at time of second charge was miniscule due to recent manual payment. Only fix action offered was refund check arriving at the earliest XX/XX/XXXX ( Time of complaint XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have provided an FTC report and stated the constitutional laws that were being broken by this agency. They have replied by stating that the accounts in question have been validated by the creditor and have failed to provide such proof. Also according to the constitution, the " original creditor '' which in this case is me, I am the ONLY party that can validate such a debt. The " creditors '' that this agency is referring to is only allowed to ASSUME that a debt is valid. Along with such malpractice, agents of this agency have told me that they do things according to " policy '' & not the law. This agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they HAVE PROOF. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature & proof of identification, or presence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Clarity Services
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This XXXX XXXX XXXX is out of control. I made a complaint to XXXX that XXXX XXXX XXXX requested hard inquiries instead of soft inquiries when I applied for a loan with XXXX XXXX. I was instructed by XXXX XXXX XXXX to contact them directly, as they were a part of XXXX. I complied. 

This crazy company twice sent me an unauthorized credit report with all the applications for credit and loans I have received in my lifetime. The second one stated that inquiries had been deleted, but do not give a breakdown of what was deleted. This company is unethical and nuts, to say the least. 

STOP PULLING MY CREDIT APPLICATIONS AND LOANS I HAVE HAD THROUGHOUT MY LIFE. What is the purpose of this? All I requested is an adjustment to my credit report where hard pulls had been done with XXXX XXXX. I  was told that these inquiries should be soft pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called several departments within Nationstar Mortgage ( Mr. Cooper ), with respect to my escrow for a secondary policy on my condominium. 

I was advised that my escrow would be cancelled for my individual condo insurance policy because I did not wish to renew it. Then another rep told me it was required. I requested written proof that it is a condition of my mortgage. They provided me my note and no such statement was found in the note. I called again and they insisted it was required, but refused to provide me proof, and refused to transfer me to supervisors repeatedly. 

Now they intend to cancel my escrow and force place a policy on my mortgage ( no doubt at an inflated rate with a kickback as a reward ). Their utter lack of cooperation leaves me convinced this is a criminal operation. 

They told me the " research '' department could provide written proof of such a requirement. I requested that proof, and a confirmed response that it would be provided, and the document that it would be contained in. Nothing has come back from them and this group does not accept incoming calls. 

This organization is likely engaging in racketeering-like criminal behavior and an investigation should be launched.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2017-04-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
NAVIENT is using unfair collection practices and harassing phone calls to collect a debt that has been asked to be helped with because of lack of work. They call on three phone lines sometimes 15 times a day they call from XXXX unitl after XXXX some times. The only paper response I can get out of them is a form letter that does not address my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 account is not mine XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: DISCOVER BANK
State: FL
Product: Credit 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 made several purchases from XXXX last XXXX using my Discover Card. I then returned several items to XXXX. XXXX closed my account. I had more things to return before my account was closed. 

Several of the items I sent back to XXXX while my account was open. I provided delivery confirmation to Discover confirming the returns were received by XXXX. Discover refused the refunds I disputed and they found in XXXX favor even after providing proof of delivery. 

In addition to the above, I had several item I still wanted to return to XXXX which they refused after closing my account. Part of the purchase contract I had as an XXXX XXXX member was the ability to return things for free. XXXX violated that contract and Discover found in XXXX favor again. 

After Discover closed their investigation I notified them in writing in XXXX of this year that the charges that remained in my account were fraudulent for the reasons listed above. They still reported the delinquent account to my credit recording agencies and did not include information stating I was still disputing the charges. 

Discover falsely reported a delinquent account to the credit reporting agencies. 

Also, Discover made discourse denial decisions based on XXXX policies which is not impartial to me as the customer.

Company response to consumer: Closed with monetary relief