BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I recently had an installment loan with Speedy Cash. On XX/XX/XXXX I paid the loan off in full. However, the company has a 3 business day payment processing so it was officially paid in full on XX/XX/XXXX. On XX/XX/XXXX I emailed the company to request a paid in full email verification and I also requested that my account containing my debit card and bank account information be deleted. Since the account is paid in full I no longer want my personal banking information to be stored in their system as this puts my personal information at risk. On XX/XX/XXXX a customer service rep responded via email claiming that by law they are required to keep my banking information in their system. This doesnt make sense to me since the account is paid in full and I no longer owe them. I understand they may have to keep account information such as loan amount, payments, status etc however I no longer want my personal banking information ( checking account number and debit card number ) stored in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for credit online with Synchrony XX/XX/XXXX. 
Was preapproved and given a code to complete the process for full approval. 
At that time the company received all my personal info including Social Security #. 
Followed up with the code provided using the online app provided. 
During the final approval process, A photo of myself using the camera was taken, as well as photos of the front and back of my valid PA drivers license, I followed up after completing the data submission and was told my credit was denied. 
My credit score is XXXX. 
Received this vanilla email with no real explanation. 
Multiple calls and no one can explain. 

Very personally invasive process to send this response. 
somethings off. 

Correspondence Dates are in the file.

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 2023-01-25
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

US DEPT ED : Account number : XXXX, The account is past the statute. 
US DEPT ED : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXXXXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 

30 days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the 7 year rule.

Please send me an updated and corrected credit report. Please do not send a partial report, send a full report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2019-01-15
Company: Ditech Financial LLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, we lost our home to foreclosure. The home was sold for the debt and it was paid. There was a second mortgage of XXXX that was written off and we paid federal taxes on this as income in XX/XX/XXXX. Ditech has been sending letters to my husband about this for years, attempting to collect, but the case was closed. Now, they are sending letters to me, and my name was never on this loan. Please make this company stop sending these bogus letters. We have contacted them repeatedly to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: FL
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 found these following hard inquiries that i did not approve of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
When attempting to login to my GoProgram card to check the balance of my Oklahoma Unemployment Benefits I was unable to login and was notified that my account had been suspended due to suspected fraudulent activity and was directed to call the 800 number on the back of the card. I have attempted to reach somebody at the 800 number 4 times thus far and wait on hold for 2 - 2.5 hours and then I am disconnected by their phone system. I am still unable to access my benefits and haven't been able to purchase  food for my family on XX/XX/XXXX and I am afraid I will be unable to on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PNC BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called us on XX/XX/2016, and enrolled your credit card accounts in Balance Liquidation Programs, which reduced your annual percentage rates and suspended applicable late and over limit fees from being charged. I do not recall being advised you during the call that your accounts would be removed from the programs if the initial payments were returned. We also sent you the enclosed letters dated XX/XX/2016, advising of this information ; which were never received. We received your enrollment payments for the programs on XX/XX/2016 ; however, they were both returned due to insufficient funds. - They payments were not to be made until the XX/XX/XXXXof every month. We sent you the enclosed letters on XX/XX/XXXX, and XX/XX/2016, advising you of the returned payments- those were not received as well however I did make additional payments to replace the ones there after and made payments regularly thinking I was on the program. After the payments were returned the payments were replaced and continued to be made after at no time did I receive any letters stating that the program was canceled otherwise why would I continue to make payments. As far as the other account it is of no consequence I have accounts with other institutions. I do request the late fees and interest be adjusted. I would like the late payment history on my credit to be adjusted as well. I called in on my own to get help I was going through a financial crisis under this thinking I could have let my accounts remain open and not close them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
1- I received by mail an Offer from XXXX XXXX to apply for XXXX XXXX American Express XXXX XXXX The Offer included XXXX Bonus Points and a XXXX XXXX Introductory Interest Rate for XXXX months on Purchases. This Offer had Expiration Date of XX/XX/XXXX. 
2- In XX/XX/XXXX, I applied for this XXXX  Card using Custom Offer Code : XXXX, which was included in the Offer Document. 
3- In XX/XX/XXXX, I took advantage of the XXXX XXXX  Interest Rate and made a {$4000.00} Charges. 
4- When I received Credit Card Statement for XX/XX/XXXX, I discovered that American Express STARTED to charge me a XXXX  % Interest which is contradicting their Original Offer oXXXX XXXX % for XXXX months. 
5- On XX/XX/XXXX, I called American Express Customer Services and Spoke to XXXX XXXX and filed a Complaint under Case # XXXX regarding the start-up of charging me interest before the end of The XXXX Promotional Period which should have been ended in XX/XX/XXXX. 
6- From XX/XX/XXXX up to XX/XX/XXXX, I did not hear any responses from American Express about the results of my Case. 
7- On XX/XX/XXXX, I called American Express Customer Services and Spoke to XXXX XXXX who advised me that the Case was closed without any results. 
8- So, I requested from him to open another case for the same 0 % issue. Another XXXX # XXXX was opened. 
9- From XX/XX/XXXX till Today, XX/XX/XXXX, I have not received any responses or correspondences from American Express regarding my Case and results of their Offer to me for the XXXX % Interest for XXXX  months. 
10- It is clearly obvious to me that American Express is deliberately avoiding the admission of their mistake and unequivocally, decided to not honor their WRITTEN OFFER to me of XXXX  % Interest for XXXX months and instead, they elected to make more money without any regards to their misleading and deceiving Advertisement. 
11- Because of American Express 's ignorance, they have been charging me a {$650.00} in Interest Charges from XX/XX/XXXX to XX/XX/XXXX. 
12- THIS IS AN UNFAIR BUSINESS PRACTICE IN XXXX XXXX most importantly, HURTING AND HARMING A SENIOR CITIZEN OVER XXXX  YEARS-OLD IN PARTICULAR. 
13- American Express MUST honor their own offer and should not have charged me the {$650.00} for Interest Charges that supposedly are going to start in XX/XX/XXXX when the XXXX months Promotional Period ends in XX/XX/XXXX. 
14- American Express MUST immediately reverse ALL interest charges totaled {$650.00} that added to my account and inflated my outstanding balance unjustifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
! FRAUD ALERT! XXXX XXXX XXXX / XXXX account opened without my knowledge in XX/XX/2022. Noticed and disputed XX/XX/2022 XXXX, XXXX and Transunion. Attempted to contact XXXX XXXX, XX/XX/2022 - Robo answering service is suspicious - requires input of personally identifying information with no option to speak with a live representative. Disputes have not resulted in the removal of this account from my credit report. I did not open this account. Identity theft. Do not extend new lines of credit.! FRAUD ALERT!

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 2019-09-10
Company: Southwest Stage Funding
State: TN
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 went to a mobile home company called XXXX XXXX an filled out an application for a new home, by application was sent to 3 banks. South west Stage fund was one of the companies that received my application and reviewed credit report on XX/XX/2018. it was a week and I called the sales representative to find out about the status of my application, I was told that my application was sent to South west stage fund he gave me their customer service number, I spoke to a credit representative that went over my application and asked my several questions , he pulled up my credit report and went over my debt to income. Then I was told that I will be notified , well I waited a few more days and I called XXXX XXXX again and told him what was going on, he said that he will call South west stage fund and stay on the line together. we was transfer to a supervisor because the representative that was handling my loan application denied my application and terminated his position or went on vacation that day I'm not sure everyone was talking so fast. when XXXX XXXX and I disconnect the call we were very upset about the way my application was handled unprofessionally , so my application was sent to XXXX XXXX that same day and was approve for $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking and savings account with Chase on XX/XX/XXXX. I had fraud on my chase accounts back in XXXX and they had to close my accounts. 

I opened my accounts on XX/XX/XXXX and was assured everything will be fine and my account will not close. 

A week later i get a letter from Chase saying theyre closing my account and cant give me a reason why theyre closing it. I did make a deposit of {$50000.00} when i opened my account since i was putting my money in a new account. Dont know if that would be the reason why. 

Then i get a letter from chase today XX/XX/XXXX to call and confirm i opened the account so they can keep it active so now Im confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a mailer at my home from KeyBank offering {$400.00} bonus to open a checking account and deposit {$500.00}. I opened the account and deposited {$500.00} via Keybank 's website on XX/XX/XXXX, and I entered the offer code on my mailer at that time. I have not yet received my bonus. I called and emailed and was told that the offer code was not on my account, and I needed to visit a branch to get the offer code added to my account. I visited a branch ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) on Friday XX/XX/XXXX and the banker added the information to my account. She told me she would call me in a few days with an update. She took a copy of the mailer and my driver 's license to make sure the name matched. She also said that some of the mailers require a direct deposit to satisfy the bonus, but she noted that mine did not. I still haven't heard from her.

I followed up by online message to Keybank on Thursday XX/XX/XXXX to ask when will I receive my bonus. Under the terms of the offer, it was supposed to be within 90 days of account opening, so I should have received the bonus by XXXX. Also, If I had received the bonus then, I would not have been hit with an inactive account fee on XXXX, because the bonus would have counted as account activity. 
XXXX at KeyBank responded to my secure message on XX/XX/XXXX to say " I have reviewed your account at length and I am sorry to say that I do not see that the offer code was added to your account. Since the offer code was not on your account, you are not eligible for the offer. We are not able to add the code and make the offer available to you at this time, as the 60 day window to qualify for the offer has closed. I understand that this is not the answer you were looking for and I do apologize. It is important to know that our promotions do have strict guidelines that we must abide to. Please know that we are unable to make exceptions when qualifications for a promotion are not met, via email, chat or phone request. If you wish to see if an exception can be made on your account, it would be necessary to contact your local KeyBank branch for further assistance. '' This seems blatantly unfair. I received an offer in the mail, I complied with the terms of the offer, and now KeyBank is refusing to honor it, claiming that " you are not eligible fro the offer. '' It's not my fault if their website doesn't work. I wonder how many other consumers received mailers like me and are now having to fight to get the bonus they were promised. 
I have been paying monthly fees to have this checking account, which I never would have opened if not for this bonus offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

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 2017-09-24
Company: EQUIFAX, INC.
State: IL
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:
This month in XXXX i sent a complaint about equifax reportung incorrect info and here it is it ... this the 3rd time they have removed and the. Readded these 2 accounts that i have pictures of that should not be on my report at all! XXXX XXXX and XXXX XXXX ... these were suppose to be deleted because they part of bankruptcys that were deleted and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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