BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: Social Finance, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I applied for a personal loan through SoFi, and the application included my most recent paystub. I stated an income level of {$110000.00} gross ( before tax ), and showed them a weekly paystub of {$2200.00} ( before tax ). That night, a message appeared on their website that stated that a voided check must be submitted to verify my banking information. 

The next morning, XX/XX/XXXX, I attempted to upload this document and the website encountered an error. I contacted customer support, who was able to upload the document for me through a secure messaging system. Additionally, they asked me to provide a bank statement, and I did so. After providing these documents, they were verified, and I was able to sign paperwork for the loan. 

On XX/XX/XXXX, I was sent an email stating there was " one last step : a quick call '' and they would contact me, but the call never came. Five days later on XX/XX/XXXX I was sent another email stating that the application was denied. The website shows that they were " unable to verify income '' despite having BOTH bank statements and my most recent paystub. Having contacted customer support through both email and phonecall, neither was able to provide any additional information on why they were unable to verify my income or the process they used to verify it. I have offered to put them in contact with my employer, but they refuse. 

I strongly believe that they are lying about being unable to verify my income level.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting to remove the fraud alert on my Credit report. I've sent an email about it but I haven't got any response yet from the credit bureaus. Please help me. 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 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had some charges on my credit card from someone purchasing a train ticket through XXXX, in addition to travel insurance. The credit card company opened a fraud claim on my behalf, but included some other charges. Some charges were legit ( my wife was on a weekend trip ). 

Because XXXX was listed on my statement with contact information I also called them. They transferred me to the XXXX Police and they opened an investigation after I gave a statement. We turns out, the XXXX police tracked down the ticket and took the passenger off the train at the time of the ticket and that person was arrested. I suppled all this to Bank of America. Even on my online statement its shows an online purchase, plus I provided all the police reports to Bank of America. They still are declining on fraud claim. Its been 4 months and upwards of 35-40 hours of me on the phone with them, and i continue to fight out of principle. 

Case # 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 2018-07-13
Company: FIRST ADVANTAGE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
As of XX/XX/XXXX a background check was performed by First Advantage and it states that XXXX County Magistrate Court has a file on me back in XX/XX/XXXX of a paid debt for a check. However, it caused me to loose a job opportunity. The background check was ordered on XX/XX/XXXX and was not completed until XX/XX/XXXX. I was denied the job opportunity for a paid debt that both of these companies did not remove from my account. I never went to court for this debt and paid it prior to any judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion customer service would not help and take care of the negative inquiries on credit report. victim of date breach. 


fraudulent inquiries are : 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX . Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: INTERCONTINENTAL CAPITAL GROUP
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I did a refinance with Intercontinental Capital Group, I was satisfied with me rate, but in the beginning, I was told I would miss XXXX and XXXX payment. The process started, I thought it was strange I had to fill out the same documents a couple of times, but I completed each task. During the process I was told by XXXX XXXX, depending on the close date I may not have to pay XX/XX/XXXX payment either. I told him fine, but he would need to let me know before the XX/XX/XXXX, so a late fee would not be applied. XXXX did not inform me, so I made the payment on the XXXX, I would learn later the loan was paid off on the XXXX. At closing, XX/XX/XXXX, I saw the first payment was due XX/XX/XXXX. I emailed XXXX about this issue, not being what was agreed upon, I was ignored by XXXX. I filled out a survay giving poor ratings, and was then contacted by XXXX. XXXX gave a very poor answer to the situation, claiming I was confused as to the agreement, which definitely was not the case. I again emailed XXXX 4 more times and have been completely ignored. I have attempted to contact the company directly, the phone numbers are disconnected and the toll free number lists several TV providers. I now am very nervous about who is in control of my loan, no customer service can be reached. I don't know if you can do anything to help, I just want to warn other veterans about this shady company and not to do business with them. My only hope is they sell my loan to a reputable company. If they have to be approved to do business with veterans, I would strongly encourage they be removed from being able to provide any service to any veteran. If you can't honor your word, you're out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a fraudulent account opened with XXXX in XX/XX/2014 as a result of identity theft, I have disputed this multiple times with Equifax but the issue has yet to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
NISSIAN Finacial high my name is XXXX XXXX I bought a XXXX XXXX XXXX for XXXX and they put another XXXX on top of it I am three months late I have ask them to help me lower the payment due to me being out XXXX they refused when I bought my car I had XXXX XXXX XXXX and we didn't no what was wrong with it my step father XXXX said mass sensor witch coast XXXX and XXXX say Altinater but don't no and it will coast XXXX just took look at it this is my first car and I got taken for didn't understand and was pressured in to brand new car instead used I want my payment to be the Same XXXX dollars more now XXXX more and about to lose it I need help getting into a new car or lowering payment .Please call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express decreased my credit limit from {$6000.00} to {$1000.00} without any notification. I called and they said they couldn't find any information regarding this matter. I have not made a late payment and American Express has not been helpful with this. I haven't used the card for some time but I would have if I was warned that my limit would be decreased. I also resolved an account that was reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been getting charged DOUBLE INTEREST on my TD Bank Charge Card. My most recent payment for XXXX was paid on XX/XX/2020 for a total of {$140.00}. {$92.00} was for INTEREST. Shortly thereafter on XX/XX/2020, my account was charged AGAIN for {$94.00}. This has been typical since I started using this card. 

On XX/XX/2020 I paid {$120.00}. INTEREST CHARGED was {$80.00}. AGAIN, shortly thereafter, I was charged {$92.00} INTEREST AGAIN on XXXX XXXX. 

XXXX PAYMENT was {$100.00}. {$51.00} was INTEREST. 
XXXX INTEREST CHARGES AGAIN for {$80.00}. 

XXXX {$37.00} PAYMENT. {$21.00} was INTEREST. 
XXXX INTEREST CHARGES AGAIN for {$51.00}. 

XXXX PAYMENT was {$35.00}. INTEREST was {$1.00}. 
XXXX INTEREST CHARGES AGAIN for {$21.00} As you can see, TD Bank is charging me TWICE A MONTH FOR INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: ALLY FINANCIAL INC.
State: TN
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:
The following information either XXXX  or Ally are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either XXXX or Ally is showing the same Ally account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.

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 2020-11-02
Company: Experian Information Solutions 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:
The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..

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 2020-11-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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:
These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please 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 2021-01-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2020 I sent a residential affidavit due to the inaccurate variations of multiple addresses that do not belong to 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 2018-07-12
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed Equifax of that fraudulent account, however the XXXX/XXXX Account # XXXX still shows on my Equifax file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES has been servicing my loan since inception. This company has COMPLETELY mishandled my loan and repayment process. They have required payments while my account should legally and rightfully be in deferment status ( I am still in school pursuing a XXXX XXXX degree ). I have made said payments in order to keep my account out of delinquent status. On a yearly basis they boot my account out of deferment status and make me provide documentation THAT THEY ALREADY HAVE to prove I am still in school and have not graduated from a program. During this time payments must be made to keep the account current. At one point they illegally reported a late payment on my credit that was never late because the account was in deferment status at the time. This process has been not only daunting and time consuming but also out of compliance. I requested ALL loan documentation as well as correspondence so I could begin the lawsuit process and was denied access to this information. I also requested to be put in touch with someone in the compliance department and was also denied. I receive little to no correspondence ( other than BILLS ) from this company regarding my requests and general follow-up. Every time I call I request to speak to the supervisor I spoke to previously and I am denied. This company 's practices are ILLEGAL and non-compliant. They currently have a lawsuit pending in federal court for the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: TX
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTUTY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Synchrony Bank states on their website at https : //www.mysynchrony.com/servicing.html that customers suffering financial hardship may receive fee adjustments, deferred payments, extending an existing credit card promotion, and reevaluating your credit limits. I contacted them in regards to my care credit. I asked for a deferment due to covid related issues, I missed several days of work/pay. They told me they no longer offer deferred payments. They stated only options I have is if I let my account go delinquent. Once I do that, then call them back. I asked what the options would be. They stated to close out my account and put me on a repayment plan. I told them I wasn't interested in that, I only needed help this month, payment due on XX/XX/XXXX for my XXXX statement. They said the promotion of deferred payments expired in XXXX, yet part of their hardship advertising is extending credit card promotions. Its all false advertising. 

Synchrony bank is falsely advertising financial help for customers, when their only option is to close out your account and put you on a repayment plan. They implied I needed to not pay, go delinquent on an account that's never been delinquent, just so they can help me by closing out my account - which was still not guaranteed acceptance on the repayment plan.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: MS
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 been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal and deletion of the unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Bread Financial Holdings, Inc.
State: IL
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 was a with COMENITYBANK/XXXX  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation