BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Affirm Holdings, Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have bought a Real Solid XXXX XXXX chain from XXXX on XX/XX/2022 and I received the chain on XX/XX/2022 and I tested the chain with a Gold tester and the acid test but the chain tested as XXXX gold plated so the chain is NOT real solid XXXX gold, the chain that XXXX XXXXXXXX XXXXy sold to me is gold plated with XXXX gold and its not solid XXXX gold so XXXXXXXX XXXX XXXX scammed me and sold me a fake gold chain for XXXX. So I disputed the charge with affirm since I paid the seller with affirm. I sent affirm company all the documents to open a dispute for the charge of XXXX dollars to XXXX XXXXXXXX XXXX  but affirm did NOT RESPOND to my dispute and closed it without doing any investigation. This is illegal for affirm just to close a disputed charge that I opened without doing any investigation. Affirm needs to investigate my dispute because XXXX XXXX XXXX sold me something different from what I ordered and sold me a fake gold plated XXXX gold chain as if it was solid real XXXX gold chain and that is fraud. Affirm needs to be investigated for not resolving my dispute and just closing the dispute with investigation and without letting me know. The chain I received from XXXX XXXX XXXX  is FAKE and it is NOT REAL GOLD XXXX so affirm needs to refund me all my money that I paid for XXXX dollars. I want higher management at affirm.com to be involved because it seems nobody at affirm wants to do their job and they just close my dispute for no reason instead of investigating the dispute charge that I o-need

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX NA Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; SYNCB Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX/ Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Greetings my name is XXXX XXXX XXXX XXXX and I believe my banking institution has been weaponized by our Missouri Chief officer XXXX XXXX XXXX that has initiated a unlawful acts of abuse and deliberate indifference as I pursued this official of Governor XXXX XXXX in Federal Court and now that he has not only been protected y the Clergy and appointed to our Banking Commerce by Gov XXXX. Now my services with my bank has been retaliatory. 
Count 1..bank fraud : The date would be my last payday XX/XX/2023. I brought a check phsyciallyn in the Regions bank at XXXX and XXXX XXXX XXXX XXXX for the amount of XXXX charge cashing my check. I would cash this check then deposit {$380.00} and take cash on hand in the amounts of {$150.00}. 

There was {$380.00} left in my checking account. I would go on this day making two transactions later from this account as I was given the Regions Bank slip with the amount of {$380.00}, but my lender has tried ample times trying to deliberately entice me to become irrate or enraged by abusing my rights as a banking costumer deliberately freezing my.account after I had already made two transactions with the account earlier in the day to my.cash app.. 

I would still have funds in my account but transactions would be declined right around the time my banking institution was about to close this same day. I called the banking institution? I frequent at that has caused these deliberate problems. The XXXX XXXX Banking attendant would tell me " my account funds were held do to a Checkm, I brought in to there business this day and deposit this same day, XX/XX/2023. This is false and a absuive tactic these employees were given direction to perform from what I believe is directly from the top as I never deposited any check this day. I only cashed a check, deposited {$380.00} and took home {$150.00} XXXX was a check, I cashed then deposited {$380.00} as I was given the PD SLIP- XXXX XXXX # XXXX XXXX # XXXX DA XXXX XXXX XXXX {$380.00}. 

There were still funds in my account this lender 's fraud would obstruct not to be use by causation caused by this lender employee trying to deliberately entice or anger this costumer so he appears a certain way fighting against corrupt officials appointed by Governor XXXX XXXX. It did not place any fear in me! I am coming after XXXX XXXX XXXX XXXX! Respectfully! Especially for these type.of stunts weaponzing agencies and businesses with these absuive tactics. Please let him and them know? THIS IGNITED THAT FIGHT AGAINST HIM!

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 2016-12-13
Company: SOUTHPOINT FINANCIAL SERVICES, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In response to a letter mailed to my house advertising a program for veterans that lowered the interest rate on our home 's mortgage, my husband and I decided to refinance with Southpoint Financial Services. XXXX of their selling points is that customers get to lower their interest rate and skip two months of mortgage payments. The process began in XXXX 2016. All forms had been submitted and papers signed in late XXXX 2016. I was in regular contact with Southpoint 's representative via email and phone calls during this time period. I wanted to make sure we understood the process and were doing our part to complete this transaction. Part of my questions pertained to when our next mortgage payment would be due and if we needed to keep paying the bank that owned our mortgage at the time, as I did not want to get behind on any mortgage payments. Part of my questioning included the benefit of getting to skip XXXX mortgage payments. I was in contact with the agent on XXXX XXXX, 2016, to confirm that all paperwork would be signed that evening with a notary from a title company working with Southpoint. However, due to an error on the paperwork produced by the agent I was working with, the first mortgage payment was due XXXX XXXX, 2016. We had made our XXXX 2016 payment ( which was refunded to us by the former bank ). But we did not get to skip another payment. We were counting on that money to take care of a medical procedure for our son. The XXXX XXXX, 2016, payment date was included in the paperwork we signed. However, the notary from the title company skimmed over all paperwork and did not point that out to us. Plus, the paperwork was sloppily prepared with the wrong payment date in the first place. We received our first mortgage payment notice on XXXX XXXX, 2016. It stated that our first payment to the new lender was due XXXX XXXX, 2016, and we would be behind on our mortgage and owe a late fee if the mortgage payment were not made before XXXX XXXX, 2016. Of course we were blindsided by this news. I made numerous phone calls trying to explain the situation to bank and that we had not expected to have to make this payment since XXXX of the selling points of refinancing was getting to skip XXXX mortgage payments. I also made several phone calls to Southpoint, speaking to the agent I had worked with for two months and his supervisor. I explained the situation in detail to them as well. While they admitted that they had made an error in their paperwork, they stated that there was nothing they could do to remedy their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: CA
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 keep uploading dispute letter to Experian and they keep sending back stall letters and not fixing my issue with a late payment on my credit report I explain XXXX XXXX XXXX XXXX has reporting 2 different months reporting late payments XX/XX/2021 and XX/XX/2021 and that is a clear violation under FCRA code15 U.S. Code 1681s2

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 2021-01-19
Company: CNG FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I had an account with Check N ' Go in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX Check n Go sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
The reply from PRA is a lie, I did not submit the attachment and if PRA did an investigation, then per the address on the attachment from their client it clearly shows that's not my address. If PRA continues to claim to have sent documentation to me on XX/XX/2018 and XX/XX/2018 please provide confirmation of the address it was sent to with verifiable mailing confirmation date with the dates above. Just because PRA claims to have sent out notifications to an address I don't live at for an account that I do not have a signed contract with PRA for the debt amount indicated in PRA 's response, does not confirm the authenticity of said debt nor authorize PRA to continue to make false claims that I owe PRA the debt indicated. I do not owe PRA the debt and I am requesting for this to be removed from all 3 credit reporting agencies immediately. 
I UNDERSTAND THE COMPANYS RESPO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$890.00} ( Original Creditor : XXXX ) XXXX*Balance Owed : {$100.00} ( Original Creditor : XXXX ) XXXX Balance XXXX : {$170.00} ( Original Creditor : XXXX ) XXXX Owed : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN is breaking the law, the account named XXXX XXXX that appears on my credit report has the wrong creditors name, the account was sold to a different lender and I disputed this account with them telling them about this problem, I also told Experian to either fix the problem or delete the account since it is not 100 % accurate. XXXX XXXX  does not own the XXXX XXXX account any longer, I know this for a fact because I have contacted them about it. Every single time that a dispute is opened on this account, Experian updates the account, I want Experian to follow federal law and stop lying to me about contacting the creditor and saying that the account was verified as accurate, when I know that is not true. Either Experian deletes the account or I will contact an attorney so that I can get this matter resolved. What Experian is doing is not right, they are lying and that is illegal and corrupt, do your job Experian, youre supposed to help me as the consumer and not lie about anything, I know that you people get paid for reporting information but common.

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 2023-06-20
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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF and COLLECTION accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove this charge off and collection, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Bank Statement as verification of my ONLY address.

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 2021-11-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Wondering if you can assist us in a work around for this. We made such a low salary when I first started XXXX and my husband was a XXXX XXXX that the only way out realtor thought we would qualify for a mortgage was to consolidate our student loans. XXXX plus years later and more that XXXX payments, our loan still can not be forgiven because there is no way to convert a XXXX XXXX XXXX XXXX into a direct loan. Please help. We have been working in qualifying public service roles and due to the facts below, we can not get XXXX. 

XXXX type of XXXX student loan is a Joint or Spousal consolidation loan a now-defunct program that allowed XXXX spouses to combine their individual federal student loan balances into a single loan, with both spouses jointly responsible for its repayment. The program was discontinued, but some borrowers including those who have since divorced are stuck with these types of loans. Joint Spousal FFEL Consolidation loans can not be re-consolidated into a federal XXXX consolidation loan under current federal policy, and therefore can not qualify for XXXX. It may take an act of XXXX to address this problem. 

Thank you for your help. We have written to our senators and representative to try to assist with a work around. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: STERLING JEWELERS, INC.
State: MI
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:
This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to XXXX XXXX XXXX or whatever name they go by. 

I had a {$7000.00} Credit Limit with Kay Jewelers which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile. 

This fraudulent Ad / XXXXXXXX XXXX Kay Jewelers Company keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information. 

This is my final attempt before seeking legal means to delete this from my credit profile forever. 

I am aware that others have had the same issue that I endured. ( See Below ) XXXX XXXX /XXXXnews/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 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 ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-06-20
Company: Experian Information Solutions 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'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 XXXX XXXX is and I am filing this complaint for 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