BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Affirm Holdings, Inc
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I place an order with XXXX XXXX through affirm ok so affirm approved me for the amount I put a down payment of {$230.00} I taught everything was ok so I waited couple hours to se if process by the merchant but on affirm website says approved but items still processing by the merchant ok so the next day XX/XX/XXXX I check still same thing so I called XXXX XXXX to make sure if they received my order they check by my name and order nothing pop up on their end I said thats weird because on affirm side it says waiting for merchant to process ok I called affirm back to let them know that XXXX XXXX didnt receive the order so they tell they have to investigate it should take 5-7 days ok so waited the following week I check still say the same thing waiting for merchant to process so I call affirm again talk to supervisor now the telling they to expedite the investigation they let me know 5-7 business day ok that goes by called still no progress at this point Im getting frustrated they have my down deposit by then they should be done with the investigation and void the loan I told obviously they didnt receive the order it never processed and they never ask affirm for payment again they telling the same thing to wait and they going to contact XXXX  XXXX ok so today is XX/XX/XXXX I called again to check on the progress the supervisor telling again the same thing no progress they holding my money idk it doesnt take long to called XXXX XXXX and verified now I have a loan with no merchandise they refuse to void and refunded me all they have to do is called XXXX XXXX to check and they let them know they didnt have order under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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:
I am an identity theft victim these items listed are a direct result of identity theft. Contacted bureaus XX/XX/22 and yet to get a repsonse. 

XXXX and Equifax are in Violation ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) Accounts are affecting the ability for me to purchase a home for me and my family. 

Equifax XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX BANK XXXX XXXX Account number XXXX XXXX : Account number XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO PREVIOUSLY REQUESTED THAT IF YOU ALL CHOOSE TO INACURRATELY RESCIND OR DENY MY INITIAL REQUEST, THAT YOU ALL SEND COPIES OF PROOF OF MANUAL VERIFICATION METHOD FROM THE CREDITORS. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information As of today, I've yet to get any of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Giggle Finance Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I would like to file a formal complaint against Giggle Finance based in XXXX, FL. Giggle Finance is a company that gives short term loans to help XXXX XXXX with their business expenses. However, the terms of the " loan '' are not very clear. From my understanding they lend money in exchange for future revenue from your business that is paid in weekly payments. I applied for {$500.00} and when the money was deposited the origination fee was automatically debited so I did not receive the full {$500.00} that I originally was approved for. The company is known to be a predatory lender with very high and confusing interest rate amounts. I recently contacted the company after an issue with their system caused a payment to not be withdrawn. The problem was corrected and then I requested a copy of all payments that I have made up until now ; which the company complied with. However, when the company sent the information over to me they told me that they can legally report missed payments after just one day, which I know to be completely false and against the law. Please see the attached image containing the text message from a company representative stating the 1 day missed payment reporting. I then advised them that I would seek the services of a lawyer if they continue to give false information, to which I was told that if I missed a payment I would incur a default fee of {$1500.00}, to which I had no knowledge of and I believe is illegal. Also have proof of a company rep telling me about this below. Giggle Finance is a predatory lender with unclear business practices, and I hope that consumers are made aware of this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am currently banking with chime. I started to see funds that I did not authorize being taken out of my account on XX/XX/2022 through third party accounts such as XXXX and XXXX ( which I have personally shopped with ) and online retailers that I have not shopped with before. I never received my physical debit card with this bank and only relied on the one you can view in the app. I reached out to XXXX  which I instantly noticed reoccurring payments being placed and was advised via phone to allow the transactions to go through then settle it with my bank as it could possibly affect my good standing account with them while it get sorted out. XXXX is a company that allows you to buy items and pay for them every 2 weeks until it's fully paid off by 2 months. During this time, I was experiencing personal issues with harassment from work and a death of a friend which hindered my ability to fully monitor what was happening. Ultimately, I had {$970.00} of unauthorized transactions with my chime checking and {$45.00} on my chime credit to be missed. I reached out to chime. I explained to them that I never received my physical debit card but, I did have my credit card physically on me in my phone casing at all times. They did a dispute, gave me a credit of {$45.00} for my chime credit within a day and denied my debit unauthorized charges twice even with the limited proof I showed them in regards to reaching out to my store manager and store lead to possibly pull up cameras as that the only place I go to aside from work. It took them 8 days to give me documentation on why they denied my claim which I had to update them on after not hearing from them after 7 days. In the documents, they stated that the charges was reoccurring which XXXX is a reoccurring charge and also that I said my checking debit card was stolen which I never said. I stated it was never received. They also stated that my chime was attached to these companies database and looked similar to my authorized transactions which don't make any sense given that card information is indeed normally stored to sites like XXXX and XXXX. They did not uphold to regulation E as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXate Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: NJ
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 Accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX Unauthorized Hard inquiries XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan with XXXX XXXX XXXX Loans was transferred to Specialized Loan Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( XXXX ) XXXX. I have proof of every single payment ever made since the loan originated with the first payment due XX/XX/XXXX. I have a copy of the cashed check dated from XX/XX/XXXX and not once was a payment even XXXX day late. I had two loans with them, they applied a payment from one loan to another and then said my payments were late for the remainder of their ownership of the loan until it was transferred again. I spent countless hours on the phone with employees just hanging up on me. I have proof of emails showing the payments made. I went back to the original loan originator to help me resolve the matter, XXXX XXXX XXXX XXXX. They worked with SLS and confirmed their mistake and said they would remove the late payments. They would not acknowledge my credit dispute and I am now resorted to taking this up with a lawyer. As of XX/XX/XXXX, I received this response " I received a response back from XXXX XXXX XXXX ( SLS ). They have reviewed the issue and have removed any negative reporting that XXXX have occurred. It was discovered that you have XXXX loans ( XXXX and XXXX ). The loan number used in the bill pay check matched XXXX, but the address matched XXXX. Also, loan number was written on the check but then crossed out and replaced with XXXX. The loans have since been transferred to new servicers. SLS will work with them to correct any issues. '' This company has ruined my excellent credit history and is literally preventing me from obtaining a loan.

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 2021-01-16
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
This card was a unrequested/presumed fraudulent debit card - Reliacard - sent out by USBank, in my name, to my address with a different DOB than mine. 

Cardholder services were contacted - they said they closed the card and recommended that I contact Ohio unemployment services - which I tried SEVERAL TIMES - they were never available, or able to assist with documenting the error/fraud- just overwhelmed by COVID related claims. 

Just concerned that the information was obtained/sent in the first place

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 2022-06-23
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Wisely card that i had was stolen and im trying to get wisely to send me a replacement card to my address were i live in XXXX XXXX my address on my license have a out of town address so they can send me a card because the keep telling my they have not received my new information when on XX/XX/XXXX and XX/XX/XXXX the sent me a link to upload my license and my new address but when i call they say that dont have it my employer up dated my information also i keep asking for a temp card for my pay check is still on the card my bills are due i have to pay my car note i need help when i call today the man agent just stop talking to me and hold the phone i had to call back i got XXXX and she cant help i ask for a supervisor and the line dead what can i do to get my money from Wisley card service at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I received an email from chime banking saying there was an issue with my account. And that account I had my tax refund with a remaining balance of {$19000.00} roughly. Within that email I was told to send proof of address, proof of ID which I sent the very next day. A few weeks go by I was told that they needed secondary identification which was my Social Security card and a selfie of me holding the ID. After I sent all of the information they asked for I received an email today which is XX/XX/XXXX saying my account was closed and I am not entitled to a refund. My tax refund was stolen from me I am unable to pay my rent I have a XXXX-year-old son and I have needs that need to be met. I was counting on that money and it was stolen from me by chime. I received my income tax and wanted to be responsible so I left the money on the account but that was not a good idea. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: World Acceptance Corporation
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: Their investigation did not fix an error on your report

Complaint:
This account XXXX XXXX is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: DE
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:
Hard Inquires reported on my credit report. I need these inquires removed. They were reported on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: NJ
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 Accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX Unauthorized Hard inquiries XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Travelled to XXXX from XXXX in XXXX for 5 months Prior to travel called Capital One, as I do for other cards to warn of impending travel and see if any action needed. They assured me nothing. This was a fraudulent assurance. 
Tried to log in in XXXX to pay my account. Was unable to do so.They insisted on Phone verification apparently as a means of obtaining my mobile number. I am unwilling to provide that to any financial institution so had get them to call my XXXX land line and then had daughter relay code. 
Total cost to me approx {$50.00}. XXXX XXXX XXXX  bills available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Coming on the heels of my several complaints against M & T Bank with your agency, I have just been informed that M & T Bank, in addition to stealing the {$20000.00} that I currently have pending complaints with your office so that they can " return it sometime in XX/XX/XXXX, '' has also dishonestly turned off the notification for any and all credit charge backs through their M & T Bank Merchant Services company, so that I can never even find out if a new credit card charge back has been lodged since they abruptly closed my account in XX/XX/XXXX. 

This they are doing precisely because I have won 100 % of all of my credit card charge backs against dishonest thieving former law firm clients, because we always keep signed retainer agreement contracts, detailed billing invoices, copies of hard legal work in well organized electronic and manila files, and other evidence which militates against losing any credit card chargeback. 

But M & T Bank, in their continued fit of bad faith, vengeance and retaliation for my having filed complaints against them with your agency, cut off our notifications through businesstrack.com and/or swipesimple.com, and now we have no idea if any credit card charge backs have come through since they shut us down in XX/XX/XXXX, and we can not even respond to them. 

This leads me to believe that if, and when, the date comes for M & T Bank to refund our stolen {$20000.00}, that not only will there be nothing left, but in fact, we may wind up owing M & T Bank if they paid anything out to these deadbeat thieving lying former clients who may have done a charge back ( because there was never any response from us ). 

Please, as always, urgently investigate this incredibly dishonest bank and its contact XXXX XXXX, XXXX XXXX XXXX XXXX XXXX M & T Bank, and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Conn's, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE BEEN TRYING FOR ALMOST 2 YEARS TO GET SOMEONE TO DO THE FOLLOWING : 1. EXPLAIN TO ME WHY THIS DEBT WAS PLACED ON MY CREDIT REPORT 2. WHY DO THEY KEEPUPDATING IT LIKE IS FRESH INFO, NOTICE THE DATE OF XX/XX/2022 XXXX. THE PHONE NUMBER THEY HAVE LISTED, NOONE ANSWERS NOR DO THEY CALL YU BACK ESPECIALLY On SATURDAY MRNING 4. I HAVE FILED THIS TWICE IN TW YEARS CAN'T EVEN GET ANYNE T LISTEN To THIS BEING A FRAUD SITUATIN

Company response to consumer: Closed with explanation