BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Yesterday, XX/XX/2023, I was on call with a customer service representative from OneMain Financial after submitting an application for a {$5000.00} loan. At first, the customer service representative was enthusiastic in assisting me get the loan. She even stated that I could get a higher loan amount for a monthly payment similar to what I stated was in my budget. I submitted the documentation she requested through the portal, which was the front and back of my ID, a voided check, and 90 days of bank statements. At first I thought I needed to submit my paystubs, but she told me that my income was already verified. Unfortunately, we were unable to complete it yesterday and so, she told me she would continue the call tomorrow since she was leaving the office. 

When she called me today, XX/XX/2023, she suddenly told me that they could not move forward with the loan, but she thanked me for letting them look into it. When I asked why I was suddenly denied, she just stated " they were unable to verify my information '' and basically ended the call. I have not received any follow up email explaining why I was denied whatsoever. The online portal continues to send me updates that " I'm almost done having my loan approved. '' as if the process is still in continuation. 

I have experienced this type of behavior before, and I believe it has to do with my last name being XXXX XXXX. I am used to and can recognize XXXX behavior, as I have experienced it most of my life. This year, I had attempted to obtain a mortgage loan, and no company will approve me, even when I meet their requirements. Even XXXX XXXX XXXX XXXX non-profit ( which is designed to assist individuals with downpayment grants ) has thrown me back and forth regarding their requirements to the point where I'm not sure what I need to send them in order to qualify. Their terms seem to keep shifting. 

I only wanted this loan from OneMain Financial to consolidate my credit card debt and have some left over for my work travel, since I work for the state of Virginia, XXXX  XXXX XXXX. The fact that I was told everything was fine one day, and then the next day everything is complete different without a concrete explanation is extremely suspicious to me. I also had two hard inquiry hits to my credit score, which now seem to be for absolutely nothing. 

I don't know what will be done to help me. But, I just want others to know that this has been my experience with OneMain Financial and XXXXXXXX XXXX XXXX XXXX  ( the non profit ) specifically, who have both exhibited similar behavior. If they can not concisely and clearly explain why you were denied, and will not give you your denial in writing, it is almost always a denial reason that is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 non-monetary relief
Consumer complaint received 2019-12-13
Company: ID Analytics, Inc.
State: OH
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:
i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Investment Retrievers, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Investment retrievers at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has been garnishing my paycheck without notifying me about the garnishment also reporting a collection in the amount of {$15000.00}. The collection has been reported as a past due balance & also has many inconsistencies between the bureaus. I do not know this company & I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: NC
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:
In early XXXX I attended an online class at XXXX XXXX located in Arizona for a couple of weeks. I was eventually dropped due to my attendance and my program director dropped me before I could be held 100 % liable to repay my student loans that I have taken out. In other words, my financial aid was cancelled and I owed nothing to them. On my credit report though they reported twice that I owe them from my first starting date even though my financial aid records stated that it has been cancelled and washed away since I was cancelled before I could actually owe anything. I disputed the information with Experian and provided the necessary documents but they ruled in the loan agency favor and never said anything as to why even though I sent them what my financial aid office has sent me during this situation.

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 2021-11-21
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Morning CFPB, I recently received a collection on a debt that I do not owe, I am a current XXXX customer, and the company recently reported a collection on an account that is still active this month. I called numerous times and spoke to multiple managers, and yet my account has been unresolved. I recently settled the debt due to a business move that I am trying to get done in 2022, and having this negative mark on my credit profoundly impacts my business growth and activities. I am a small business owner, and this small debt of {$150.00} on a collection I had no idea I owed. This debt impacts my business tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Information belongs to someone else

Complaint:
This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2021-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My XXXX debit card was stolen off my couch while Was in my bathroom. When I couldn't find it I called in for a new card never recieved it. So Bank of America did emergency XXXX XXXX. The second replacement ordered I still had yet to recieve. By XXXX I called in yet again to find that charges adding up to {$2000.00} from XXXX. I disputed these charges and waited XXXX days they had reimbursed me for XXXX charge of {$34.00} but when I asked about the rest was told there were no other disputes. Which is inaccurate because the {$34.00} was apart of the charges between XXXX but I disputed them all again anyways. They got denied and now when I call I never get through it get hung up on.

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 2021-11-21
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: Old information reappears or never goes away

Complaint:
In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX  ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXX XXXX game at my house in Florida. XXXX  was installed XXXX XXXX week of 2017 when I attempted to find the XXXX  game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next 2 months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took 2 more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: SLM CORPORATION
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I paid XXXX to sallae Mae for our agreement to pay {$220.00} of interest in addition to {$110.00} for the principal. My due date was XX/XX/XXXX so I decided to pay it early with extra. When I did this I received a hit to my credit score because they didnt process my payment instead I received numerous emails and calls telling me Im late on payments and that ironing the risk of delinquency. In addition, to receiving a hit to my credit score. I ended up calling sallae Mae and speaking to them and they said theyre sorry and that they would fix it but I would still need to pay XXXX on XX/XX/XXXX. I then asked them why cant they use my XX/XX/XXXX payment for the {$220.00} payment they then agreed and then I asked would I get the {$110.00} left over back which they added they would add to the principal instead. Shortly after this I took another hit to my credit score. Following this I recently called sallae Mae again and they informed me theyre fixing it in the system and that they will fix the hits on my credit score. The balance was decreased on my score but I still have had my score drop 60 points just off of a mistake they made all because I chose to pay them on time. I lost my Job due to corona virus and still have not been called back to work. They have no agreed and have been very abrasive when it came to lowering my payment during this crisis from the start. They also told me I have to pay {$150.00} to go into forebearance and even though Im not working at all even though before corona i have been a enrolled in direct debit and Ive always paid on time. I just feel like this company is very crooked in their business 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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2021-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have paid the entire balance of a credit card, and the payment is cleared through the bank. The cash is already sent to the credit card company from the bank. The payment is being withheld from my available balance and there is a woman who has contacted the credit card company saying she has the authority to make decisions for my accounts, stating that the card should not be allowed to be used. The entire balance is paid with no withheld money from the form of payment to the credit card payment processing center. I have never had an issue with payments, and my available balance is normally for use the day of my payments. The person withholding the available balance is an XXXX XXXX XXXX XXXX. The bank has been abusing me and I have been a victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Resurgent Capital Services L.P.
State: GA
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:
This account was disputed and I was confirmation that the account would be removed from my account. However I checked my report and it's still reporting. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I send an online international wire transfer of {$5000.00} usd. The next day, XX/XX/XXXX, the recipients bank informed me that the money has arrived but can not be released to the recipient because the account number is incorrect ( 1 digit was incorrect ). I then called Wells Fargo to open a case and have the account number amended to the correct one. I was informed that the time frame for international wire transfer resolution is 5 business days. Due to holidays and weekends, XX/XX/XXXX should be the fifth business day. It is XX/XX/XXXX today and I have yet to have my case resolved or have anyone from their wire department reach out 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 explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX-Late/Closed Late Dates 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 2019-09-19
Company: EQUIFAX, INC.
State: OH
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:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX  XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I was issued a refund check back in XX/XX/XXXX for a vehicle accident that took place, after being put at fault for this accident that I did not because I was told that I was to schedule receive a refund check for a reimbursement to get another vehicle. The check was delivered in XX/XX/XXXX to my previous address, this check was then stolen, and my name was fraudulently forged and misspelled on the back and this check that was cashed in XX/XX/XXXX at a Wells Fargo atm machine, the next day it shows that the funds were approved and released. Who verified the names match the account and released the money before further investigating? 

After filing several complaints, and police reports, and speaking with multiple individuals to get this rectified, I finally received a fraud statement claimant on XX/XX/XXXX, I was told this would take approximately 90 business days before this was settled. 

Today 's date is XX/XX/XXXX, the 90-business day period has now passed, and every time I reach out for an update I am still being told that this is still in " progress '' status. Nobody can tell me anything else or when I should expect my payment from XXXX. I was informed that no response has been given from Wells Fargo to any of the banks in correspondence to get this resolved or if the funds will be recovered.

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 2021-11-21
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
About a year ago I had opened a Paypal account for an ecommerce site. When I lost the domain name by failing to " renew '' I also lost access to the email used on that paypal account. When I tried to change this information it wouldn't send a " text '' message for me to verify to the number I had already gave them for the purpose - without notify me at all of any changes to their security policy or even giving me a chance to update to a number they found suitable. I was without email access and phone access and I tried for weeks to contact them directly and was told there was nothing that could be done without having access to either the phone number ( which i did ) or email. I then noticed the " verify '' phone number had been changed. I called again and asked until i was able to figure out how to make the impossible possible with gaining access to an email i didn't own the domain to anymore - now my number is something completely different so lock the account. 

I have offered to every kind of piece of government issued ID to paypal - video ... fingerprint ( which they have on file ) ... whatever to prove I am me. All with the reply- unless i have access to that email. So now what - last I knew there was a XXXX XXXX dollars in my account that I can't access. I don't know what else to do. Thank you for taking the time to read my heated letter.

Company response to consumer: Closed with explanation