BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-11
Company: American First Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American First Finance took {$100.00} out of my account without authorization, or without a notice of charges being taken out. The money was also taken out past business hours so I was unable to call on XX/XX/XXXX. When I called on XX/XX/XXXX and tried getting the issue resolved they said they had no supervisors on duty as it was Sunday so they all take the day off, I would have to call back tomorrow morning. This needs to be resolved and doesnt seem like a legit operation if there are no supervisors present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I placed an online order for an arcade machine that cost XXXX total. As of XX/XX/XXXX, I had not received my purchase. So, I contacted Brandsmart, in XXXX GA and they informed the item was not in stock and the order should have been cancelled XX/XX/XXXX and voided and refunded. I did confirm it was cancelled and voided but it was not refunded per my call on XX/XX/XXXX, and is now on my credit report as if I owe Brandsmart  XXXX plus a late fee. This is causing me undue stress because I'm trying to refinance my house and this fault information is now on my credit report. I do my best to pay my bills on time every time. Additional details below. 



XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  {$390.00} Order Date : XX/XX/XXXX Order Number : XXXX Order Total : {$470.00}

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 2020-10-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian credit bureau is in violation of UDAAP ( practicing deceptive practices XXXX. I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). 

XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX I am also attaching my Driver 's License as Experian frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.

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 2022-11-29
Company: EQUIFAX, 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 see items on my report that is not mine. Items are listed below. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX OF XXXX - XXXX XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXXXXXX ( Inquiry XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX  - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX - XXXX ( Inquiry XXXX XXXX - XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX - XXXX ( Inquiry XXXX XXXX XXXX - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dynamic Recovery Solutions , LLC has been attempting to collect an unknown debt from me in the name of a XXXX XXXX XXXX. Dynamic Recovery Solutions is not licensed to operate in California under sec SB908.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
YET AGAIN THESE CREDIT COMPANYS ARE THINKING THEY ARE ABOVE THE LAW AND NOT FOLLOWING THE RULES AND LETTING THE COMPANYS REPORT INFOMATION ON MY CREDIT FILE THAT I NEVER SIGNED OR APPLIED FOR.

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 2022-01-14
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been trying to get this removed from my credit report. i never received a loan deposit from NetCredit in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cashnet usa keeps debiting my account for {$100.00} which puts me in a rears with my bank the first time was XXXX and the second was XXXX, I submitted update back statement as request for the update for payment arrange but they refused to accept it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We are getting as many as 13 robot calls per day from XXXX ( XXXX ) about the statuss of XXXX XXXX XXXX account. No XXXX lives at the residence associated with the phone number and we have no XXXX XXXX account. We have responded to the robo- call indicating they have a wrong number. The calls continue. This practice is wrongful. We have no business relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Syncapay, Inc
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My account keeps getting an error when trying to log in. My digital wallet has thousands of $ of gift cards loaded on to it, and a website error is not allowing me to access it. 

I have escalated this for months now and no answer or solution has been given. 
Either fix my log in issue or issue me a NEW digital wallet with the cards loaded on to it. 

See the error message in attachment login : XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
they have been charing me all these ridiculous balance tranfers fees for years which were way too high and way out of line I finally am able to the account off I paid XXXX less asking for at least a XXXX interest back they charged way too interest over the years on these balance transfer fees all my charges are all paid and the rest of XXXX is part of this crazy interestet over the years I have contacted here corp offices and its been a month none of there employees want to help atl one of the ladys called me 3 weeks and have not heard a thing since then this corp office employees horrible have no clue what they are doing I am upset and want my at  least a XXXX of my intesest back

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 2023-04-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : 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 2019-08-11
Company: CORELOGIC INC
State: MD
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:
Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 non-monetary relief
Consumer complaint received 2019-07-29
Company: CrossCountry Mortgage LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance mortgage with cross country mortgage in XX/XX/XXXXof 2019 and it is the last week of XX/XX/XXXXand I still do not have an answer about my account, I have tried contacting the company and they refuse to take a phone call and or answer an email, I have since switched financial companies and they have contacted cross country mortgage to get my account numbers and everything switched into there name as so far they have refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CITIBANK, N.A.
State: GA
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 always ask vendors if they are pulling a hard credit inquiry and, if they are, I refuse their product, unless I'm shopping for something specifically that requires it. I try to keep hard credit pulls to one or less a year. 

The following companies are listed on my credit report as pulling a hard credit inquiry without my express permission : XX/XX/XXXX - CBNA ( I have no Citibank XXXX XXXX XXXX XX/XX/XXXX - XXXX ( The only service monitoring my credit activity is XXXX. I don't recognize XXXX. ) XX/XX/XXXX - THE CREDIT ( I don't recognize this company and have not expressly given them permission to pull a hard inquiry. )

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 2020-09-03
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This letter serves as a formal complaint about Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX. This complaint is in regards to disparate refinance application practices, lack of communication, dealing in bad faith, and failure to follow through with closing on our refinance application after granting conditional approval and instructing us to pay for and obtain an appraisal. 

We first submitted loan documents to NFCU on XX/XX/2020. As of today, XX/XX/2020, NFCU has not closed our refinance. 

Upon submitting documentation on XX/XX/XXXX, we did not hear from our processor from NFCU until XX/XX/XXXX. Her name was XXXX XXXX. Most of our inquiries to XXXX either went completely unanswered or her responses were delayed for weeks at a time. We were so frustrated that we obtained the contact information for XXXX supervisor and reported her lack of engagement with us. XXXX was ultimately removed from our loan and a new processor assigned. 

On Friday, XX/XX/XXXX, we received notification that our loan was reassigned to XXXX XXXX, who is the current mortgage processor on our refinance loan. 

We received our conditional approval from Navy Federal on XX/XX/XXXX. We were instructed to pay for and schedule the appraisal, which we did. The appraisal was conducted on XX/XX/XXXX and we received the results of the appraisal on XX/XX/XXXX. 

We replied to all NFCU inquiries within 24 hours and submitted all requested documents within 24 to 72 hours of the request. NFCU has pulled our credit reports twice. And still, as of today, XX/XX/2020, they have failed to follow through to close our refinance, or to reply to our inquiries about the delay in closing. During our application process, XXXX also requested that we submit sensitive information via email, which is a practice that could be harmful to applicants. 

We are asserting that they are engaging in disparate practices, failing to communicate with us in a timely manner ( sometimes not at all ), and not moving forward in good faith. We have complied with all of their requests, including paying for an appraisal, and they continue to be largely unresponsive. 

We ask that NFCU be investigated for disparate practices, fraud, and applicant mistreatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03
Company: Leading Edge Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/XXXX, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX my dad initiated an international wire transfer from XXXX bank. He was charged a wire transfer fee. On XX/XX/XXXX, the funds hit my Chase account but there was {$15.00} missing. When the amount finally posted on XX/XX/XXXX, I was also charged an additional {$15.00} incoming wire fee from chase. 

They cant tell me why my wire amount had an additional {$15.00} missing. I called several times on XX/XX/XXXX and XX/XX/XXXX and also visited the chase branch on XX/XX/XXXX. They keep telling me XXXX charged an additional commission that was deducted from the principal. However I cant get anything from them in writing about what type of fee this was or why it was charged. I have sent and received wires before and usually theres just one fee charged to the sender and one to the receiver. Ive never heard of this commission and I cant get any direct answers from chase. I filed a complaint with them on XX/XX/XXXX reference no : XXXX ) but they said besides looking into in internally, they will not communicate with me the outcome of the complaint. These are predatory and unfair business practices as any fee or charges should be clearly specified and notated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, 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 XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Equifax several inaccurate and unfair practices. Equifax breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Equifax is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Equifax has brought upon me the consumer for knowingly violating and practicing the behavior.

Company response to consumer: Closed with explanation