BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: MI
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 am currently in the process of renovating my home. I wanted to take out a loan but I checked my credit report before doing so. I noticed some items listed on my credit report that I never gave consent to. 
XXXX XXXX my credit was ran without my knowledge or consent by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my credit was ran without my knowledge or consent by XXXXXXXX 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 2023-09-03
Company: FinFit Holding Co, LLC
State: SD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing to bring to your attention concerning lending practices by XXXX XXXX XXXX. I believe they are engaging in unethical lending practices, including interest rates that exceed state-mandated limits. Since XX/XX/, I have taken out eight loans with them, and my experiences have been deeply concerning. I was duped into thinking this was an ethical loan because it was offered through my payroll system for work. 

I kindly request your assistance in investigating XXXX XXXX XXXX lending practices, focusing on interest rates that violate state regulations in my state of South Dakota ( on my loan document it says rates are 68.62 % ) and the issue of not receiving interest credit for early loan repayments on the 7 previous loans I had done in order to have money to pay the continuous cycle of loans. These practices raise significant ethical concerns and financial burdens. 

Your organizations expertise in promoting responsible lending practices is vital, and I trust you will help ensure that lending institutions like XXXX adhere to ethical standards. 

Thank you for your attention to this issue, and I look forward to a resolution that protects borrowers rights and promotes responsible lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started to apply for 2 refi loans in XXXX and prepaid XXXX dollars. We spent 3 months trying to refi with them and it was a complete cluster. Multiple requests for the same docs already provided, turn and burn sales strategies and an apparent lack of knowledge when it comes to tax filings. We had a closing scheduled 3 times and they pulled out at the last second. For this great service, you get to pre-pay a fee, which they will never return when they XXXX up.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom It May Concern : I am writing this letter in regard to incident theft which was discovered by me on XX/XX/2019. I have been banking and had safe-deposit-box with WELLS FARGO branch in XXXX, CA ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have been saving most important and valuable objects at this branch SAFE-DEPOSIT-BOX, thinking that there is no other place that my staff can be kept safer, but it turned out that is not quite true. My box was drilled in XX/XX/2019, I was told that it was a human mistake instead of drilling another customers box they drilled mine and took all my belongings. I was in a shock ; I was frustrated but the branch supervisor insured me that I will get all my belongings in the good condition. But unfortunately, I had not only got damaged items but also missing items. I was told that in order to process the claim I need to submit several documents : affidavit, police report, proof ownership, appraisal of the damaged items. I had provided all the possible documents they asked me and after several months of the investigation, which should have taken 30 days by the way, they informed me that the claim will be denied unless I claim to my insurance. I have been cooperating with the branch manager, as well district manager to resolve the issue. Once I discovered, I was approached by the branch manager ; therefore, was assured that they will investigate their fault, and resolve the matter. Since then I have been battling with them, trying to understand the delay, and their lack of professionalism. I would never think that WELLS FARGO BANK being very reputable, and known bank would make such a mistake, and make things more complicated, they dont even care that they had violated my privacy, because they want to escape the responsibility they are asking me for more documents which I have never been told. 

I am just asking for your help, to look into my matter with much more thought. Please investigate thoroughly and help me to end the nightmare which I have been dealing with for about 6 months. 

I would like to thank you for your valuable time and am hoping that your investigation will finalize my matter in a timely manner. 

Please find all the attached documents presented to WELLS FARGO BANK, thus if you need more details in regard to the process, please dont hesitate to contact me. 


Sincerely Yours, 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 2023-08-02
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given an American Express, " AMEX '', Prepaid Gift card as a " cash '' prize for a notable sum of money. I was given it in the form of a url. I have no account information, no password to protect the card, just a link that tells me everything about the card. I also was not asked to register a name or billing address, just told to use my normal information. 

Upon trying to use the card, I was rejected at nearly all modern major retailers I tried online. In particular, XXXX and XXXX, both of whom specifically list American Express Prepaid Gift Cards as acceptable forms of payment, were not able to complete transactions with the card. Additionally, in person at an XXXX store the card was denied when used via XXXX XXXX XXXX. I called each service and spoke with a live support agent who said that American Express was rejecting the transaction. 

Other sites I recall that don't work are XXXX and XXXX 

A common theme is that if an online retailer asks for the address, the transaction usually fails. American Express support strongly emphasizes I need to use vendors that request the expiration date and pin, despite all online vendors already doing that, and it seeming to make no difference. 

As for in-store transactions, as I said above, XXXX rejected it, but grocery stores ( Such as XXXX XXXX, a XXXX chain XXXX and most food service places accepted it. Since I received the card I have moved states, and at first it seemed that in-store transactions continued to work. But, about a week after moving states, the card is now rejected everywhere I have tried, despite me not changing anything with the card in my XXXX XXXX  app. It worked at XXXX ( another XXXX chain ) two weeks ago but not is consistently " Not Approved, '' XXXX rejects it outright. Local mom & pop restaurants all reject it. 

MOST IMPORTANTLY : American Express customer service has provided no meaningful support. They read off a script and tell me what it says online, and tell me if the card doesn't work then I should blame the retailer. They offer no solutions or alternatives. In the weeks I have tried working with them, their phone support has been redesigned in an attempt to prevent speaking with an agent. Instead, they offer automatic prompts that ask me to press a number, and none address my question. They only offer to read me a balance, list answers to pre programmed questions that don't remotely address my issues, or they redirect me to the online support, which then redirects me back to the phone system. I am now only able to reach an agent by reporting my card stolen as if it's a physical card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: IL
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 items 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 Balance : - ; XXXX/XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX  XXXX  ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance : {$990.00} ; XXXX/XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-08-02
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Navient is inaccurately reporting information on my consumer report. Navient is showing a 90 day late payment in XX/XX/2023 however I was not late in XX/XX/2023 and XX/XX/2023. I contacted Navient and they didnt correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: NJ
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 am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. For some reason, I realized that there were late payments on my credit report. The bank has made errors with the payment and processed inaccurately and agreed to fix the issue. However, the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-13
Company: EQUIFAX, INC.
State: IL
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 recently pulled a copy of my credit report that that your company publishes, and after reviewing it continue to find a number of items that are reported as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Your company discloses to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to this complaint via mail, or email. Please upload all documentation to the CFPB portal. Your company routinely provides a status of verified for disputed accounts without providing any proof of verification. I have been requesting proof of the below accounts for over 2 years. Upon disputing the below accounts, information on the account is either changed by the furnisher without providing any documented proof, or your company simply responds with the account being verified. 1 specific example of such activity is XXXX XXXX XXXX I submitted a complaint to XXXX, and was told by XXXX the dispute was frivolous and would not be investigated, as the XXXX XXXX XXXX had verified the account. I only way that I was able to obtain a fair investigation of the account, was by submitting a complaint to the States Attorney Generals office : Which resulted in the removal of the account from my XXXX credit report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 10 days of receipt of this complaint then you must remove these accounts from my credit report. I have reached out the listed companies and was advised they were not able to provide any contractual information, endorsements, or payment history. However, your company is advertising such information on my report. This behavior is a violation of my federal rights. This will be my last attempt to amicably resolve these issues. Please provide verifying documents of endorsement and contractual obligation, and payment history for the below accounts. 

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 explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions US DEPARTMENT OF ED ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act US DEPARTMENT OF ED Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX ACCOUNT Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXXXXXX XXXX XXXX OPENED XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & # account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-31
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I hope the following items will be corrected or deleted ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-03
Company: Bread Financial Holdings, 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:
In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: SYNCHRONY FINANCIAL
State: WI
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:
After a period of nonpayment, I started making payment to synchrony bank on my care credit account. Every time I make a payment to get out of debit abd to improve my credit, this company decreased my amount of credit and continues to keep me in the 90 % debt to credit ratio. They are my only credit card and this has happened several times, it has made it actually worse fir me to pay them bc they keep causing my credit score to drop significantly. Technically they can do this, but it is very unethical and Im not sure if it is lawful.

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