BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I pay XXXX dollars a month only XXXX dollars is going towards The loan that is criminal to me italso seem that net credit takes advantage of people desperate. For financial help. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
this lady XXXX XXXX XXXX ; They are giving out fraudulent documents where I never gave them any paperwork. They are trying to follow the same process to foreclose on my home loan and I never spoken to this lady XXXX XXXX XXXX nor did she show up for the first appointment and I ended up speaking to an in placement case manager by the name who is XXXX XXXX who was very helpful and answered all my questions ask and was insightful I feel comfortable speaking to her. MS XXXX XXXX XXXX was late for the second appointment she call back but by that time I had to leave. It seems like a setup and they are a fraudulent company where this lady left a very squeaky message hard to understand as well understood and not good for me and to speak too. They Are seems to be doing the same thing as Ocwen mortgage did. After I sent them an email as requested to change my relationship manager they refused to. You can tell by the transfer that the investors never review the loans they bought them in bulk fraudulently. They did not check to qualify the loans for transfer. 
I have been " impacted by the coronavirus covid 19 '' / pandemic-related financial hardship. Also, " NOTED '' it does not matter the status of the loan. current, delinquent or foreclosure status or to file bankruptcy XXXX! I ask for my loan to be place under the Protection of the " cares Act ''. I have included my letter sent to Phh Mortgage and the letter of response that they receive it on XX/XX/2021. For I spoke to a XXXX at XXXX mortgage and had a very lengthy conversation and he stated to me that he was going to send a email to the other department concerning my complaint and have someone reach out to me concerning my concerning my complaining to change relation manager and who ever is reading these emails seems like they are looking for certain customers to call and give them a series of excuses as not to help fix or change the status of certain loan for i find that very very rude by the constant rejection to whatever i ask for they just send out rapidly to me please fix this whole situation please. etc etc etc etc!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the items in question on my credit report with XXXX XXXX XXXX and it's new account owner XXXX XXXX XXXX XXXX. After battling with XXXX  to remove these items they in turn updated them with the wrong information. How is it that a company can charge off all debt and still report negatively on said report with no recourse. So I never had debt with XXXX XXXX XXXX XXXX. My debt originated with XXXX XXXX XXXX. therefore they are the loan institution and I have no business or have ever had business with XXXX XXXX XXXX XXXX. I ask that both items be removed from my XXXX  report as they carry no active balance and have remained and still remain as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank with regions bank in XXXX XXXX XXXX on XXXX XXXX and I keep noticing that my balances on my account change after through pending. They are charging me overdraft fees and I have a message that clearly says what my starting balance for that day is and my online banking shows different. I have told a lady that works at my bank that I've seen it happen bc I am constantly checking my bank account and she looks at me like im crazy and says I need to come in and show her when it is happening. I shouldn't have to get into my car when I get off work and go show her anything while it is happening and besides that its closed when it happens.

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 2021-08-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I used my Thank You Reward points to partially pay for four nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, New Mexico. The remaining balance due ( {$180.00} ) was charged to my Citibank Credit account on XX/XX/2021. We checked out early ( one night ) and the General Manager at the Hotel ( XXXX XXXX - XXXX ) agreed to refund us for one night ( {$100.00} ). Mr. XXXX stated that he could not credit my CitiBank Credit Card since I used rewards for the booking. Instead, he applied the {$100.00} credit to the CitiBank Reward Master Credit Card XXXX on XX/XX/2021. I contacted CitiBank on XX/XX/2021 and asked them how/when my credit card would be credited for the refund. They stated that they needed to contact the hotel directly to receive confirmation of the credit. They called me back on XX/XX/2021 and stated that they received confirmation of the credit by the XXXX  XXXX XXXX and that I would see the credit on my credit card in up to 3-billing cycles. I called Citibank on XX/XX/2021 to confirm that they were still planning on crediting my credit card since I didn't see any credit on my XXXX statement. The rep at Citibank stated that the credit would be applied on my XXXX billing statement. I received my XXXX billing statement today ( XX/XX/2021 ) and there is still no credit. I called Citibank again today and was placed on hold for XXXX minutes then I was disconnected. I called back, was placed on hold for XXXX hour and XXXX minutes and was disconnected. I finally got hold of somebody at Citibank and they stated that they needed to contact the hotel and receive confirmation that they applied the credit. I told Citibank that this was already done on XX/XX/2021 which they replied " they need to contact the hotel to receive confirmation that they applied the credit. '' Another representative at Citibank stated that it would be quicker to file a Billing Dispute for this matter. She then stated that it couldn't be done since more than 60 days elapsed from the time of the incident. I explained to her that I contacted Citibank the same day of the dispute ( XX/XX/2021 ) and that the 60 days ( system limitation ) should not apply. Her response was that there was nothing she could do and that I need to write a letter to the Billing Dispute Department. After 2 1/2 months of dealing with this issue, I have no confidence that CitiBank will ever provide me with a credit unless they are compelled by somebody of authority at the bank to provide me with my deserved credit. The lack of accountability, the lies and the fact that they would let me sit on hold for extended periods of time tells me that they have no desire to do the right thing and credit my 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 2023-11-24
Company: Experian Information Solutions Inc.
State: KY
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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

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 2018-03-22
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received 2 phones from XXXX XXXX XXXX telling me I owe accrued fees from a US bank account from XX/XX/XXXX. I asked for letter of disclosure of all information and was told they mailed it to old addresses, I gave new addresses and was told on XX/XX/XXXX that XXXX doesnt mail through XXXX mail but will email me information. I expressed that I received a class action check 5 years ago for XXXX bank fees they overcharged customers. XXXX stated I owe {$730.00} for past accrued fees on a deposit account. Again I said send me the infringe detail. He refused. I did contact attorney in XXXXXXXX Wi advice was file 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 explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 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 explanation
Consumer complaint received 2021-08-24
Company: CARMEL FINANCIAL CORPORATION, INC.
State: PA
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:
On XX/XX/2020 Carmel Finan .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

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 XXXXXX/XX/XXXXXXXX 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-08-29
Company: Avant Holding Company, Inc.
State: AZ
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:
XX/XX/2022 Disputed {$470.00} did not give me information who it was or a phone number. I got a new card. 

XXXX 2022 got a letter put charge on my card. Again not providing any info. I did some investigating. Looks like an airline to XXXX by a company that's been closed. I do not have a pasport and I have never heard of this company. 

After Advant sent letter saying it was my charge, I called 10 times, wrote 3 emails, sent a fax and certified mail as what PROOF THEY HAVE have the charge is mine. They never write back and explain what proof they have. IT IS NOT MY CHARGE. I DONT KNOW ANYONE TO BUY A TICKET TO XXXX XXXX 

Please help. They are just not responding. I have a new card I have not activated and I paid the bill in full. They owe me XXXX because that charge is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: WELLS FARGO & COMPANY
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 I attempted to purchase tickets through a XXXX XXXX for sporting events. I was contacted by the actual group admin who said she had tickets. We agreed on a price of {$800.00} and I sent the money through XXXX using my Wells Fargo app. At that point the seller had my XXXX account information and said she was then sending the tickets. She then blocked me on XXXX and I never received the tickets. I filed a complaint with XXXX showing all the message conversations and the fact I sent her my XXXX account. I also provided information that showed no tickets had been sent to my account. They immediately closed the page down and banned the seller. I then contacted Wells Fargo and filed a complaint. I was told by two different employees that I would be able to receive my money back. I also asked them if they needed any proof of the conversation or from my XXXX account. I was told " no '' and if any info was needed I would be contacted. I reached back out to Wells Fargo on XX/XX/22 and they informed me my complaint was closed and they were not going to refund my money. They said they sent a request to the bank the transaction went to in order to recoup funds but no response was received. They also told me to reach out to the financial institution that the transaction was received. However they told me they did not have that banking information. I offered proof of the XXXX  messages as well as the XXXX information and they declined to receive it and told me to take that to Law Enforcement. At this point they are telling me I am out {$800.00} even though I had proof it was a scam.

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 monetary relief
Consumer complaint received 2022-04-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have an identity theft monitoring app due to am XXXX breach. My identity was stolen in 2012 and I spent multiple years working to repair my credit as a result. I received an alert in the app that a bank account t was opened with my ssn at Wells Fargo where I have never banked. I called right away. I told them I have a fraud alert on my credit report, how was this opened? One agent told me to take that up with the credit reporting agency. What?! They gave me an investigation number of XXXX and assured me I would hear back with resolution. That was almost 30 days ago. Im not calling over and over through their hard to navigate system because they overlooked a clear fraud alert. I want that account closed, a written response from Wells Fargo regarding what occurred and to ensure they follow the rules when there is a fraud alert on credit reports. It was too easy for someone to open an account in my name and Im sure this has happened to many other people.

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 2023-11-09
Company: EQUIFAX, INC.
State: FL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
I disputed a account thats on my report from XXXX on XXXX throught the credit bureaus. But they were taking so long to do any type of resolution I just went into XXXX myself to pay off the account to resolve the matter. I dont care that its not mine and I know its fraud. its such a little amount bringing down my score. When i wen into the branch on XX/XX/14. They said they have no record of the account. Not on my name or the joint owney they say on there. How can the bureaus verify and account when the bank thats reporting it cant even pull it up? Ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDEPT OF EDXXXX, 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 an 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
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:
My name is 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 reportsno consent is fraud XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with explanation