BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: SOUTHSTATE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX and XX/XX/2015 Southstate Bank removed money from my construction loan for the installation of a FIREPLACE in the home at XXXX XXXX XXXX SC XXXX The problem is there was NOTHING in the plans for a fireplace and there was NO fireplace installed. I was recently made aware of this because they did same thing involving another home of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to receive my credit score on the XXXX for my Transunion credit score, but it did not list my score only my credit report. On the website it stated, pay only XXXX to review credit score from Transunion. After putting in my card information it did not charge me XXXX cents but signed me up for a subscription instead, which is not what I was aware of and was completely deceiving. When I tried to cancel my Transunion subscription online, it kept circling back to the login page and never took me to cancellation. I finally called Transunion customer service and told them I wanted to cancel my subscription. Before the customer service representative asked for any verifying information, he just asked for my credit card number right away. I told him I was not comfortable just giving my card number out when he did not even verify my identity. He then proceeded to yell at me saying he needs the info to look up my subscription in which I hung up. This entire experience was not only deceitful but a complete 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 explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never granted permission for these inquiries Listed Below. That would make them unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like these removed IMMEDIATELY for it is in violation of the FCRA thank you

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 2022-08-09
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: Account status incorrect

Complaint:
To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX instead names a Utah-state chartered bank as the purported lender and XXXX  as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on XXXX account number XXXX Equifax and XXXX. The XXXX, D.C. Attorney Generals Office filed and later settled a lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX may be the true lender on these loans and that the loans may therefore be invalid. XXXX is in violation of Californias usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Affirm Holdings, Inc
State: TX
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:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba 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 2023-03-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am complaining about XXXX XXXX XXXX. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about XXXX and they by their action reduced my credit score to about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: OH
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 following companies have violated my rights : XXXX XXXX XXXX : # # # # # # XXXX XXXX XXXX XXXX XXXX Account : # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account : # # # # # # # # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - XXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Netspend Corporation
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an account with XXXX ( Net Spend ) for over 5 years I have my SS and pension benefits auto deposited, of XXXX.I put my son on the account, when he went to get a new Drivers License they they would only issue it with the name on his Birth Certificate which is XXXX, I went on line to order him a new card in XXXX XXXX instead of XXXX, sent them all his legal Documents, they sent a new one in XXXX, On my records from my acct it said new card XXXX XXXX PENDING it was never activated nor used, I tried 3x's.This year when my son had his tax 's done they put them in my acct I recieved a text message saying there was a problem with a deposit, I called them and resent all his legal papers stating he was a Shull, I told them that prior to this I tried getting a card in his name but nothing ever showed up, Well the IRS, and Social Security also told XXXX XXXX there was No Fraud , I had a very rude supervisior that insisted it was fraud and they closed my acct, I was told that only my son would be taken off well they shut me down and said they were sending me a check. so all my debits and auto deposits are being returned.This is such an injustice I'm beyond upset!

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 2022-12-31
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:
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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 a 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.

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 2023-12-01
Company: MOHELA
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela is not counting many of my qualifying payments in the Public Service program as qualifying. I've tried calling them, but nobody answers the phone. Ever. I've written them, and they keep telling me they will respond within 15 days, but they never do. I contacted them in mid-XXXX. It is not XXXX. It has been WAY more than 15 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Denied me opening a claim of an unlawful transaction. Didnt offer me help just told me they couldnt help me with my claim

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 2018-07-27
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient was wanting XXXX payments per month with 9 % interest rate. That was their affordable payment, based on my XXXX a month income. They then offered me a lower monthly payment of XXXX with a 4 % interest for a limited time and said I might be able to opt into that program for an extended period of time, 6-8 months. In the extended time period my interested rate would be increased from the original amount of 4 %. The whole process is made for the borrow 's to never be able to erase the original debt. The school I took out the private loans for was sued by California Bureau for Private Postsecondary and Vocational Education and they won. The school, XXXX XXXX XXXX XXXX was misleading all of its students. It lied about the wages we would make post school, networking ability, attendance, etc. The school later closed down. I have told Navient of such actions the school did and there is no help because of that. They do not care about the issues, they only care about receiving their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While submitting an application and required documentation for a home loan I provided earnest money for {$2200.00}. After several months submitting documentation and the lender changing the closing date several times we found that we did not qualify due to two auto loan payments not being verified by the processing manager. The house was put back on the market and the earnest money was not returned to me. We followed all the instructions for submitting documentation, and were given several Loan Estimate and Closing Disclosure packets. I emailed the loan team including the loan originator, processor and processing manager, but did not receive a response. Please let me know if my complaint is valid. This is the last person that emailed me to submit documentation. 
XXXX XXXX | XXXX XXXX XXXX  : XXXX | F : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX | XXXX, TX XXXX Thanks :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Synovus Bank
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received the card and the way you could pay was by using your bank information on the walebsite. When I started using it they changed the way you have to pay by going through your bank, which most banks do not allow. After my account was past due they then changed it back to the original way you can pay. They wanted the full past due payment. Of almost XXXX more then what it was. The website it XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV have aggressively tried to collect an alleged debt they did not validate. They purchased this debt without properly notifying me of the action. The refused me of my right to dispute. This debt buyer company thinks they are bigger than the law. They have tried to coerce payment on several occasion through consistent emails demanding a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my credit report it shows that i have a charge off on a closed installment account that was settled in Superior court. My ex spouse was to take over any obligatiomn or financial responsibility of these auto accounts. I have the order attatcheted. My divorce was finalized in XXXX and everything was divied up. 
Also this account is past the limitations of reporting. 
In XXXX i recieved settlement payment from XXXX in result of a class action lawsuit. I was unfortunatly one of their many victims of unfair trade practices and credit reporting as well as many other tactics used by XXXX and their offiliate capital one auto finance company by adding a fee through their online portal and not charging to the account. in the suit it states that XXXX must remove this from my credit file to be in alliance with said order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I disputed the following information with XXXX, XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA.Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

XXXX Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX TRANSUNION NEGATIVE ACCOUNTS : XXXX XXXX  ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY 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 2018-12-26
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
On XX/XX/XXXX I made a call in to XXXX by Goldman Sachs Bank to close out a Certificate of Deposit Account prior to its maturity on XX/XX/XXXX. As a result of this call, I have the following complaint. 

COMPLAINT : During the call, the representative said that the account had paid enough interest that an early withdrawal penalty would not be taken from the principal of the account. This was troubling to me as I did not recall seeing that early withdrawal fees could be deducted from the principal of a CD account. Upon inspecting the Deposit Account Agreement ( LINK 1 below ), I found the following language on PDF pg. 7 : `` An early withdrawal penalty could result in the reduction of the principal. '' ( This line is underlined the in the attached screenshot ) XXXX  ' `` High-Yield Certificate of Deposit FAQs '' page specifically the subsection titled `` What fees or penalties are associated with my CD? '' ( LINK 2 below ) is a near duplicate of the relevant section from the Deposit Account Agreement but omits the line regarding principal reduction. I find this omission dishonest and misleading to consumers. 

I submitted the complaint above verbally to a different customer representative at XXXX via phone call. 

LINK 1 : XXXX : XXXX LINK 2 : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation