BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2023 ( the most pertinent among other calls ) Spoke to a representative of EnerbankUSA concerning problems trying to pay loan for an air conditioning unit. I can not get any accurate information on 1. If a payment has been received.

2. How much principal is left on the loan 3. Missing payments.

I can not get any of this information online with my account, on the phone with a representative, or from the statements sent. 
I also got a bill for payment not going through and I can not get any information about this transaction except it was not accepted. This bank, EnerbankUSA apparently works through another bank called XXXX that sent me a payment not valid. I called the number on the bill and it is out of order. It is terribly difficult to pay a loan off if you can not get any information on 1. If a bill has been paid 2. If a payment has been received 3. How much I have paid in total 4. How much is still owed Or if I do get information it is absolutely wrong according to my bank statements. I will not send this lender my bank routing number, I only write checks because I saw they had been sued for secondary lenders taking money illegaly out of peoples bank accounts. 

I was also told a representative would get back to me with 48 hours of XX/XX/XXXX and I never got a call

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 2022-11-07
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
In accordance with the Credit Reporting Act XXXXXXXX XXXX XXXX reported by Experian reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: WELLS FARGO & COMPANY
State: CA
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/2022, I filed a claim with my bank Wells Fargo for withdrawals from my account totaling {$3500.00}. These withdrawals were from a site called XXXX, " whom I had contacted once I noticed these transactions and they said they couldn't do anything about it and that I had to contact my bank. So I did. Around XX/XX/2022, my phone was stolen which contained not only banking passwords but passwords for everything like social media accounts, cryptocurrency accounts, emails, etc. I didnt think twice about the passwords or any of that information I figured they wouldnt be able to get into my phone and find the passwords but they did and these transactions from XXXX XXXX XX/XX/XXXX - XX/XX/XXXX were not made by me. I finally noticed on XX/XX/XXXX because the transactions were so close together and just that day alone there was over {$1000.00} in transactions and my bank never contacted me once to confirm they were from me. I didn't hear back about my claim until XX/XX/2022. Wells Fargo denied my claim and when I called they said it was denied because the merchant stated that these transactions were real and that Wells Fargo believes these transactions were from me. They said there was nothing I could do but contact the merchant I tried contacting XXXX again but they said there is nothing they can do. I filed a claim with the cfpb but nothing was done. I let this situation go figuring I'll just take the loss but after talking to family friends who are lawyers they said I should file another claim with the cfpb so that is what I am doing. I hope something will get done about it this time.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I applied for a Gold Amex credit card with American Express. The application resulted in a denial and a few days later I received an adverse action letter stating the reason I was denied was based on my credit score. 

On XX/XX/2023, after receiving my denial letter I decided to make a phone call to corporate and talk to a supervisor who also explained that I was denied my right to credit based on my credit score/credit profile. 

I began to ask her " Thats unfortunate could you provide the exact subsection so that I can study it myself? And could provide me with which part of the law says I have to abide by the credit score you chose to use, or that this transaction even needs to be reported? The CFPB states that credit reporting is optional. She failed to cite any federal law abiding with the " Truth In Lending Act '' and continued to repeat that it is company policy/procedure.

American Express company procedure does not override Federal law. This is a direct violation of my rights as a consumer 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that American Express committed fraud and used my credit card without authority and I received no benefit. 15 USC 1692 [ a ( 3 ) ] makes it clear I can not be discriminated against for exercising my rights. 


In addition, after talking to a representative of the company I've also decided to write a letter to the CFO of American Express and file a complaint against the company with the Office of the Comptroller of the Currency as I have felt discriminated against and violated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Today, XX/XX/XXXX Experian via XXXX XXXX used the guide of getting an Auto loan to force me to join a service I have no iso for and they didnt even get me any loan because they stated Oregon law forbids them to do that. This is infornation Experian knew before preying on my desperation and abusing their position with promises of a guaranteed loan of some sort. Unethical, even cancelling my membership and refunding my {$1.00} Is inadequate when a credit reporting agency offers to boost your credit or secure loans for you if you join their paid services. Feel like they are holding me XXXX by not giving me a FICO score which I was given one in XX/XX/XXXX - feel Experiam is dirty, dirty, dirty and plays with people 's lives.

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Chase Freedom Credit Card opened in my name. Sent to my address. It had not been used so I don't know if the person was planning to snatch it out of my mailbox or just use the credit number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, my daughter totaled her XXXX XXXX XXXX. XXXX XXXX made a payment to XXXX XXXX XXXX dated XXXX XXXX for {$13000.00} ( paper ). XXXX XXXX issued a second payment to XXXX XXXX XXXX XXXX dated XXXX XXXX for {$740.00} ( electronic ). The payment for {$720.00} was for extended warranty cancellation due to total loss. A payment was issued to XXXX XXXX XXXX XXXX on XXXX, XXXX for {$720.00} and cleared XXXX XXXX on XXXX XXXX. XXXX denies this transaction and will not credit my account, therefore allowing no closure. The main issue is they are reporting me 90 days past due. I have been consistent in my correspondence with XXXX and XXXX. We suffered a devastating fire XXXX XXXX. We lost everything. We have been in temporary housing trying to purchase a new home or credit for new appliances and furniture. Needless to say XXXX XXXX has tremendously affected my credit score due to their inaccurate bookkeeping. XXXX XXXX has admitted they posted our credit to the incorrect account and refuses to correct it. I have been denied credit due to this. I have been more than cooperative with XXXX. I have sent every piece of documentation requested including the invoice and copy of the front /back of check that was paid on my behalf. I was reported 90 days past due today.

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 2023-02-06
Company: CCS Financial Services, 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: Report provided to employer without your written authorization

Complaint:
Hello, To whom this XXXX concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided Credit collection services with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them XXXX  days to do so and by law since they have not been in contacted with me within those XXXX  days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I took out an auto loan with ally financial through the dealership I bought my car from back in XXXX. Then in XXXX I refinanced my loan through XXXX XXXX XXXX XXXX. Earlier this year I got a letter from XXXX XXXX stating they needed the lean recorded title sent to them which would have their name on it as the lean holder. I was on the phone with both institutions back in I'd like to say XXXX of XXXX and XXXX XXXX requested the lean release letter to be sent out. I was also to receive a copy and was told to take that, the title and my XXXX XXXX promissory note to the XXXX to get the lean re-recorded. About a week or XXXX ago I went to the XXXX and they told me I needed a notarized letter from Ally stating they handed the lean to XXXX XXXX. I called Ally that day and asked them to fax it over to the XXXX and was told it would get there within XXXX to XXXX business days. The XXXX also stated when they received it they would contact me. Now here we are today on XX/XX/XXXX and nothing has showed up. I once again called Ally and asked what was going on, they stated they could not send the notarized letter to my XXXX directly that it had to go to XXXX XXXX and that they would have to once again request it. Mind you this would be the third time XXXX XXXX would be requesting it. I had both institutions on the phone today and Ally claimed they sent the notarized letter to XXXX XXXX twice and XXXX XXXX claims they never got it. Now Ally has stated it will be in the mail to XXXX XXXX today and will take up to XXXX business days to get to them and then XXXX XXXX has to send it to me so I can re-record the lean. Meanwhile I now have to pay a significant increase of interest to my car payment causing my payment to go from XXXX to XXXX which doesn't seem like a lot but I am living off XXXX income due to the fact my husband is XXXX and can't work and we can not afford this increase. I find this whole situation unnecessary and have been given the run around. I contacted my lawyer who advised to put in the complaint to the CFPB to have this matter investigated and to be sure things are getting done as they are supposed to, so that I may finally get my part of all this taken care of and so my interest rate does not go up. I am afraid none of this will be done by XXXX XXXX 's due date of XX/XX/XXXX and I will be forced to pay the higher amount I can not afford.

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 2023-11-15
Company: CreditNinja Lending, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Unexpected fees

Complaint:
I am a spouse of a XXXX XXXX member. I got the loan XX/XX/. I am paying it for {$220.00} bi weekly until XXXX XXXX. I owe {$1200.00} and with the interest rate it became {$2600.00}. I am not aware of the contract regarding their cab fee which is double the loan I owe. And then I read about the MLA program for military members. We are facing financial crisis at this moment and hoping we can get our benefits as a spouse/XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-03-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Here 's what I just sent Comenity, which services the XXXX store card account this is regarding, but I would appreciate CFPB 's assistance as well and thought it would be helpful for your records : Hello, I received a call last week from one of your representatives that said I was three months behind on my payment. This was a surprise. With few or no exceptions I have historically paid my balance in full. I've now analyzed how this balance accumulated. In XXXX, I made an online purchase of about {$170.00}, all of which I returned because the jeans did not fit and received a full refund, except for the {$7.00} return fee, which is my responsibility for missing. However, in the subsequent 3 months, Comenity charged 3 late fees and interest that got the balance to {$120.00}. The first time I was informed I had missed a payment ( let alone 3 ) was last week via phone. Meanwhile, my credit score has plummeted XXXX points over a {$7.00} late fee, and I don't even recall receiving mailed statements even though I have not sign up for paperless billing. This is unacceptable and unreasonable. I request reversal of the negative credit bureau reporting and a refund of the late fees and interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been defrauded by my now defunct college, XXXX XXXX XXXX XXXX. All my Federal Student loans have been forgiven in a Borrower Defense case, but I am having problems with a Private Loan from you - XXXX  ( formerly XXXX XXXX ). As you know, there was a lawsuit against XXXX for unlawful practices, and I SHOULD HAVE BEEN included but NEVER received any information on this. I have been pleading and contacting you for years about my case, and have continuously been ignored and punished. I am struggling to make ends meet, as I have XXXX young children, and am unemployed. 
The loan is ILLEGAL, as the interest alone is 18.375 %. I have been paying for years, and the balance keeps RISING, because I can not afford the payments, and you have not only damaged my credit, but my ability to have any kind of options for living. Take my loan OUT of the negative report, and remove the balance, as this loan is OBSOLETE. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management has engaged in a series of retaliatory and derogatory measures ( Account in Dispute ) status updates with all three credit reporting bureaus in order to avoid regulatory compliance requirements. I am seeking debt validation, which I have attached the request to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: MI
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:
XXXX is reporting that I opened a student loan with them in XXXX and XXXX however I never signed a master promissory note with this service provider. My original loan was with XXXX XXXX and Im not understanding how this would be accurately reported for these years by XXXX. I was never supplied with any loans from XXXX. Please request that they send their promissory note with my signature to verify this is actually a loan that I signed for with them. If there is no promissory note between myself for the dates reported by XXXX then I would like my credit report to reflect the accuracy that is within my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First Midwest bank now known as old national bank completely miss handled The situation, lost my funds, my E statements to go along with it, and refuses to do anything about it and its been over two weeks. Starting XX/XX/2022 I was no longer able to use my card and the remaining funds I had on it. XX/XX/2022 I could not access my online banking nor could I set up my online banking because of a system failure on their part. XX/XX/2022 I went to the bank next to the XXXX in XXXX, IL And it was the most awful service I think Ive ever had! Not only was I told that I was going to get back to you after being there for two hours no one got back to me and I was told that hopefully itll show up between a week and a month from now I have no funds to feed my children no funds for emergency cases And I have no card to use. Ive tried getting in touch with people higher up but the people at the branches make it much harder to do so. Ive been crying for a while now I feel like theres no end to this my money is lost and no one is willing to help me

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