BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: Opportunity Financial, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I recently received a promotional offer ( see attachments ) from OPP Loans to apply for a loan. According to the offer, I'd already received a " pre-approved '' status for a potential loan of {$500.00} - {$4000.00}. On XX/XX/2019, I went online to apply for a loan. After submitting my application, I received results showing that I qualified for a loan of {$2000.00} ( according to the loan term agreement ). 

During the loan process, I provided income information ( a copy of my most recent pay stub ), confirmed my credit union information via my online account, and signed a loan term agreement for a {$2000.00} loan. I also included child support as part of my income, but the application never requested proof of other income nor did they reach out to me for that information. I actually signed a loan term agreement at least twice due to a change of terms in the agreement ( appeared the initial payment date was updated since the first agreement was already showing a payment was due on XX/XX/19 ). 

On XX/XX/2019, I decided to reach out to the loan company around noon to see what was going on with the process and I was advised by a rep ( a male ) that my loan was under review and that I should hear something back by XXXX XXXX CST. However, I received an email just before XXXX XXXX   CST stating my loan was denied. I was confused because I thought when I signed the loan term agreement showing the loan amount, that meant my loan was already approved. I contacted a rep ( a female ) with the company and she advised she wasn't able to provide why my loan was denied and that I would have to submit a request for that information. I told her how misleading the process was and she just kept apologizing and saying how she understood my frustration. I also received a denial email ( see attachments ). 

In summary, I applied for a loan based on the promotional offer that I received in the mail, but I was denied only after my personal financial information was already submitted and a loan term agreement / contract was signed. My question is why would I need to sign a loan term agreement and confirm my banking information if I wasn't approved for the loan? I feel as if this company 's loan process is very misleading. They shouldn't have provided a loan term agreement / contract for a loan that doesn't exist. How do I know they won't still try to deduct money from my bank account based on the signed loan term agreement? If you notice on one of the emails attached, they stated they would need this information " before funding your account '' ; indicating my loan had been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX while I was in XXXX  I had my father put a freeze on my account after learning that someone had attempted to open a credit account in my name. Since then I am not able to manage freezes on my account. I am now out of XXXX  and we are not able to log in to the Experian website to temporarily lift freezes. Your website 's online login and password recovery system does not recognize my SSN as being valid, so I can't recover my password. When I call Experian, their automated phone menu will not allow me to talk to a live person since it don't recognize my SSN as valid. 

THREE times now I have requested that Experian provide me some way of recovering my login, and so far the only thing they've done is given temporary lifts on the freeze. On about XXXX XXXX XXXX  as requested in their last response to me ( Report XXXX ) I replied with a letter including copies of my drivers license, pay stub and recent bank statement. I have not received a reply and it appears from the response I got from XXXX after an attempt to open an account with them today that my Experian account is still locked. 

I am attaching a copy of the last letter I sent Experian. 

I need Experian to contact me via the contact info listed below and supply me with a working method to reset my password. I am no longer living at my old XXXX XXXX XXXX address, so it is important that mail no longer be sent there..

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 2019-12-07
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2023-07-29
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance XXXX : {$16000.00} ; XXXX XXXX  XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent countless letters to Equifax and have filed countless complaints with the Consumer Financial Protection Bureau ( CFPB ) in regards to the following fraudulent and unauthorized hard inquiries listed on my Equifax credit report : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, CXXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Equifax keep sending me letters and tell the CFPB they have deleted the fraudulent and unauthorized inquiries from my credit report, but the fraudulent hard inquiries is still currently listed and showing on my Equifax credit report and my XXXX XXXX account. I want Equifax to immediately delete and remove the fraudulent hard inquiries from my Equifax credit report and send me an updated copy of my Equifax credit report informing me that the fraudulent hard inquiries have been deleted and removed from my Equifax credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Self Financial Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Due to COVID-19 I had to close my self Lender account which was a credit repair loan. Prior to closing The account I was asked to provide bank statements which was very strange I was told that I could not close the account until I provided bank statements which was to confirm that I was the account owner I had previously done this once before so at this point I thought it was a violation of my privacy and ask for another means of doing so I was told to mail in a copy of my drivers license which I did. During this process the last payment XXXX was reported as late once I finally was able to get the account close which was the following month they had listed it closed for XXXX although in XXXX I was going through the process of closing the account. I also had a credit card with this company I had never had any late payments listed anytime before COVID-19 Because I was ordered to quarantine for a month and also took care of two family members that had Covid I was unable to work because of the state mandated stay at home order in a mandated quarantine after getting Covid. The account was brought to a XXXX balance but the company still refuses to mark XXXX as the actual close date and remove the late payment off my account even though the account was self funded brought to a XXXX balance and closed out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My complaint is about Capital One. I have a paperless account meaning all of my payment information is done digitally. 

I have an auto payment scheduled on the XXXX of every month for {$500.00}. This is always more than sufficient to pay the minimum payment required for the month. However this month the minimum was {$500.00}. Capital one texts when payments are due and pushes you to the app to confirm payment. The min payment is never communicated in the app or the text messages. They alert you to the auto payment that is scheduled but they do not tell you that the {$500.00} auto-payment is not sufficient for the minimum in the text message reminders OR the app. This sort of automated alert is not difficult at all to program. It is intentionally deceptive. It results in 1. ) a late payment on your credit and 2. ) a {$40.00} late fee. The auto payment is schedule for the last possible day of the payment term so if your min payment. Is greater than your auto payment you immediately are assessed a late fee, which then raises your min payment for the next month wherein your auto payment amount will again be insufficient. 

All of this can be solved by two easy and transparent acts. 1. ) in the text message alert that we as customers sign up to receive they can include the min payment amount so that we can make an informed decision about whether our auto payment is sufficient and 2. ) on the app, where the text message links you, they where they show your credit balance, available credit and payment due date they can also show you your min payment do AGAIN so you can make an assessment of whether your auto-payment is sufficient. Simple programming in both the app and text messaging system can give you the ONE piece of info you need to make a decision about payment but they fail to give this, creating an avalanche of problems and fees and credit reporting issues. Capital Ones response is, you should have looked at your statement! This is really deceptive when the text messaging system gives you ALL the information you need and the APP that they drive you to gives you ALL of the info you need EXCEPT the most critical piece of information, which they have, but which they require you to look into the depths of their system to find. It does not require ANy work on capital Ones part to provide min payment due on n their systems but they have intentionally made a programming choice not to include this because it results in consumer confusion and they profit from that and then blame the customer. It cost me {$40.00}. The easiest {$40.00} Capital One will make and one they made my making conscious decisions to omit useful consumer information in their baseline communications on bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Farrell Holdings, LLC
State: UT
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:
My auto loan with prime acceptance Corp was closed years ago, the vehicle repossessed. I then filed bankruptcy, and this account was on the bankruptcy. They are still reporting it as an open and late account. I filed a dispute on XX/XX/2020. They denied the dispute and started the account was still active. I have now filed a second dispute today, along with filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Both my Citibank and XXXX cards were skimmed in XXXX XXXX. I contacted both companies and neither are cooperating in reimbursing the fraud. It is clear they are not me and I feel they didn't even both investigating. I am supposed to be protected from fraud and this is devastating as the amount for both together are almost {$3500.00}. I have filed a police report and have a copy, a report with the XXXX  ( for Citi ), and the FTC ( reference number XXXX ). Below are the amounts for both : Citibank XXXX XXXX XXXX - {$110.00} XXXX XXXX  XXXX Nevada XXXX {$150.00} ( I live in NC ) XXXX XXXX {$590.00} XXXX - {$180.00} XXXX XXXX Nevada XXXX {$200.00} XXXX XXXX XXXX {$490.00} Nevada CHild Support - {$300.00} ( I don't even have a kid ) XXXX  XX/XX/XXXX XXXX XXXX - {$480.00} and {$900.00}

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 2023-07-24
Company: EQUIFAX, 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 hope this message finds you well. I am submitting this XXXX CFPB complaint to urgently seek assistance to the Equifax XXXX regarding an unauthorized inquiry that has not been removed from my Equifax credit report. I have already lodged XXXX complaints with the CFPB, and despite XXXX and XXXX promptly addressing and removing all unauthorized inquiries from my credit file, Equifax has yet to take action on this matter. On XX/XX/2023, I sent a letter to your office requesting the removal and blocking of the unauthorized inquiry mentioned below. However, to this date, I have not received any response, and regrettably, the same unauthorized inquiry remains in my most recent credit report. 
EQUIFAX : XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been attempting to login to TransUnion website ( XXXX XXXX XXXX XXXX : DSS : Login ) to thaw my credit freeze in order to apply for a loan. During the login process, TransUnion tells me that they've sent a 6 digit code to my email address that I need to enter. However I never received such an email. Upon searching online, I see that this is a fairly frequent occurrence with TransUnion website failing to send the code for hours or days and seem to occur almost daily or several times every week. It seems that TransUnion is not making any good faith attempt to fix this problem. The automated phone system to thaw credit report is also unable to retrieve information and requires one to call back during regular business hours and wait several hours on hold to reach an agent. Here are few example online links where others have faced this issue since years! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are many more such threads online spanning over several years and if one reads the threads they'll also notice that the service goes down several times a week during off-business hours. This is highly inconvenient for consumers who need to apply for loans or credit and need you wait for business hours so they can call ( and wait on hold ) to reach an agent who can then unfreeze/thaw credit report for 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I got a loan to pay off some debts but when I got the loan. When getting the loan I was not allowed to change the date of the payments. I was told that I could change the payment date after getting the loan but I was then told that I can not change the payment date. Also, they have a section that says I will also be required to pay a late fee because if my payment is not paid by XXXX then there is a XXXX $ later fee. If I can not change the date of my payment then I will be late every month so they are hitting me with that fee each month. The is no option even if i schedule payments ahead of time I still get a late fee. This is an unfair Practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Trident Asset Management, L.L.C.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I vaguely remember applying for the XXXX XXXX XXXX but I know I never activated or used this card. I have spoken with the collection agency asking for proof of transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to Be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2021-06-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo again did not address my questions when responding to complaint XXXX, and again provided the same pre-prepared explanation and self-referential evidence. Their is no difference in their response. They are not taking my concerns seriously. They have not clarified their actions and have not refunded what they stole from my account. I am dissatisfied with Wells Fargo and their representative, 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 2021-11-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I submitted a 609 letter to XXXX, XXXX & Equifax asking for proof of verification for the following unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Hodosh, Lyon & Hammer, PC
State: RI
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:
XXXX XXXX Director of XXXX XXXX XXXX and XXXX XXXX STOLE my IDENTITIES, did CREDIT FRAUD, GRAND LARCENY, IRS TAX EVASION, PROPERTY THEFT of house on XXXX XXXX, XXXX RI XXXX, that I XXXX XXXX, am the Inheritor of, but she STOLE my father XXXX XXXX IDENTITIES, my son XXXX XXXX XXXX 's IDENTITIES, DID CREDIT FRAUD, sling with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX employees STOLE my IDENTITIES, Hodosh, Lyon, Hammer Stole my IDENTITIES, did CREDIT FRAUD, GRAND LARCENY, so did FUGITIVE XXXX XXXX XXXX aka Fugitive name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX, XXXX XXXX XXXX and others.

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 2021-11-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently satisfied a loan that was effecting my taxes every year by refinancing it, so that my new escrow analyses would be correct and make my mortgage payment lower. 

I notified my XXXX XXXX with several emails communications and attached documents proving an error had occurred with the property tax amount and that is was being corrected by the county. Once the correction was made i sent the mortgage escalation team the corrected document showing the change but they disregarded the change and paid the {$12000.00} in property tax amount that was incorrect. They will be doing a escrow analyses and my escrow account is in the negative over XXXX and the company will not make the correction to reflect the right amount due on the taxes of XXXX The issue has been well documented and the mortgage company was well aware of the mistake and still paid out the wrong amount to XXXX XXXX XXXX

Company response to consumer: Closed with explanation