BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: Social Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX CELL ON XXXX XXXX 2017 I  APPLIED AND WAS GIVE AN APPROVAL FOR A LOAN FOR {$64000.00}. I WAS TOLD THAT IT WOULD BE REVEIWED AND WOULD TAKE APPRX 3-5 DAYS FOR FINAL APPROVAL. I SENT ALL OF THE REQUESTED & REQUIRED INFORMATION IN. BUT EVERY TIME I DID SO THEY ASKED FOR MORE INFORMATION. AFTER ALMOST 2 MONTHS ON THEXX/XX/XXXX 2017 THE LOAN / CONTRACT WAS COMPLETED AND SIGNED AND I WAS ADVISED THAT I WOULD BE FUNDED WITHIN 3 BUSINESS DAYS. BUT THEN ON XXXX XXXX 2017 I RECEIVED A TEXT AND A EMAIL STATING THAT THE NEEDED ADDITIONAL INFORMATION. I CALLED AND SPOKE TO THE OPPS MGR XXXX XXXX XXXX @ XXXX WHO REPORTS THAT NOW AFTER BEING APPROVED, REVEIWED OVER THE LAST TWO MONTHS, NOW THEY NEEDED SOME OTHER INFORMATION THAT WAS NOT REQUIRED TO GIVE ME THE FINAL APPROVAL OF MY LOAN, BUT THEY WERE GOING TO REVERSE THAT CONTRACT AND ASK FOR MORE INFORMATION. IT IS MY BELEIF THAT SOFI HAS PATTERNS AND PRATICES HAT ARE DISCRIMMINATING IN NATURE. AND I BELEIVE THAT SOFI HAS BEEN LOOKING FOR SOME REASON TO DENIE ME OF THIS LOAN VS GIVING ME THIS LOAN BECAUSE OF MY RACE, COLOR, OR CREED. YOU CAN NOT APPROVE AAND FINALIZE A LOAN, HAVE A SIGNED CONTRACT FOR SAID LOAN, SEND ME A LETTER SAYING SO AND NOW TAKE IT BACK FOR NO OTHER REASON AND DISCRIMMINATION. XXXXI WAS APPROVED ON XXXX XXXX 2017, AND THE CONTRACT WAS SIGNED ON XXXX XXXX 2017 AND COMPLETED FOR FUNDING. THIS IS A CONTRACT AND THEY HAVE A RESPONSIBILLITY TO FULFILL THAT CONTRACT. XXXXI THEN SENT A LETTER TO THE CEO XXXX XXXX  XXXX @ XXXX@XXXX, AND ON THE XXXX XXXX I RECEIVED ANTHER LETTER FROM SOFI SAYING THAT NOW I HAVE BEEN DENINED A LOAN AT FROM SOFI WITH A XXXX CREDIT SCORE FROM  XXXX XXXX 2017. I WAS ALSO LOCKED OUT OF ALL OF ME ACCOUNT INFORMATION AN OF XXXX XXXX 2017 AND CAN NO LONGER SEE MY ONLINE ACCOUNT OR STATUS. XXXXI HAVE A COPY OF SAID LETTER ALONG WITH VERIFIING INFORMATION AND EMAILS TO CONFIRM THE STATUS OF MY SAID ACCOUNT. XXXXYOU MAY CONTACT ME @ XXXX@XXXX, OR MY CELL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2017-06-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed the  XXXX   XXXX  a balance of {$720.00}. My bill started out at approximately {$1500.00}. I was on a payment arrangement with the clinic and making timely payments of {$100.00} per month. On    XXXX   XXXX  , 2017, I received a collec tion letter  from Transworld Systems , Inc. I c alled and spoke with  XXXX   XXXX  and she extended a settlement offer of a 20 % reduction. I paid the amount of {$570.00} via credit card on that phone call. I have now received another collection letter stating the 20 % or {$140.00} is due. I ca lled Transworld Systems , Inc. an d spoke with  XXXX   XXXX . He put me on hold and when he came back to the line informed me that the settlement offer was not going to be honored and the money was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX 

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 non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a reverse credit card complaint. 

My complaint is with Chase Merchant Services. My company previously had online  credit card services with them in XXXX  (we used their company to run credit cards for purchases made to us). This company started a reserve for charge back services for our company. Our account was closed out with them in XX/XX/XXXX, at the time we were told it would take 6 months for the funds to be returned to us. It is now XX/XX/XXXX, TWO years since the account was closed and we have yet to see a dime of OUR money from this company. We have called repeatedly, been given the run around, sent to a million different employees "who can help solve our issues" yet we have seen no refund and gotten no assistance. This is my next step before legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Earm LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got a text message saying I owed a debt when I dont the guy couldnt even give me an information about it when I called the original company they told me this is not right then I called the other two collections agency they tell me its fraudulent and to contact the FTC

Company response to consumer: Untimely response
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
State: MA
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 use my XXXX Citi card to purchase a trip with travel insurance on XXXX of last year, I had to cancel due to the pandemic crisis and travel restrictions beyond my control. I contacted the CITI, credit card company and XXXX, they claim that they would give me credit instead of returning my money. Even though this is not fair, so I want to use my credit to buy the same trip and Im being denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Wal Mart card. Capital One now manages. Tried to make my payment at Walmart but they were unable to pull my account up now that Capital One runs it. I had lost my card and since that was how I paid it each month by swiping it at the counter I was not able to make my payment as I normally had in the past. I had asked for the associate to help get the account number but since they no longer handle it they could not do it. I called Capital One and requested a new card but since I was considered past due they would not issue another card nor would they provide my account number. I now have late charges and a decreased credit limit. Capital one is now making my minimum payment {$100.00} with a balance of {$200.00} I am a XXXX veteran on a fix income and Capital One is making it difficult to make my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: OH
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 Account # XXXX, XXXX XXXX XXXX Acoount # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2017-06-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There has been several disputes submitted online to have the inquiries removed. Equifax keeps sending results saying they have been verified. I need to see proof that these have ACTUALLY been verified. I do not recall authorizing. Under the Fair Credit Reporting Act, noone can request my credit without my permission. I would like to be shown proof that I in fact authorized this inquiry, or please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
my buiness checking account was hacked mid XX/XX/2019. I have been working with the bank to get the issue resolved for several months. I have closed accounts, talked with bankers in person nearly half a dozen times, filed a police report, frozen my credit and have been run around and ignored the entire time. The bank has declined my claim has refused to respond to my requests as to what is going on and now is just straight up ignoring me.

I need help to get my money back its been over 3 months!

I have attached copies of the police report to show proof of what is going 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 monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
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: Other problem

Complaint:
From XX/XX/XXXX  till now,  seven p ayments w ere made to a Capital One C redit Card from my checking account. All of them were for {$75.00}, and at first I thought they were auto   payments to one of my Capital One Credit Cards. Two days ago, I found out they were not.
<P/>
I have already called the bank handling this checking account, and will be closi  ng the account shortly. However, not only am I worried that this could happen again, I am furious   at the lack of support Capital One has provided.
<P/>
Their mobile application was used to take this money from me, and instead of checking their database to figure out who was making these transactions, they just wanted me to file a claim to my local bank. They offered me absolutely no assistance, despite their application being at potential fault.
<P/>
As stated, I am going to reopen my checking account with new numbers, but Capital One needs to improve their security if they want to keep me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a job with  XXXX  on  XXXX / XXXX / 17   to drive my  own vehicle.  XXXX  submitted my social security number along with a car loan application to a leasing company named  XXXX   XXXX   XXXX  that they are affiliated with on  XXXX / XXXX /   2017  without my consent. This company pulled a copy of my credit file and they are refusing to remove this inquiry with Transunion credit reporting agency. I have called  XXXX   XXXX  the representative told me to call Transunion and she was rude and did not offer me any assistance. I called Transunion and they will not remove the inquiry and they told me that I need to contact the company that pulled my credit file. I spoke with   XXXX   and they stated that  XXXX   XXXX  can pull my credit if  XXXX  allows it. I have attached that correspondence as proof.

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 2017-06-07
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I entered into a HELOC with U.S bank for a Line of credit of {$1.00}. The rate was 2.25 % interest only mortgage for 5 years. I made all my payments and taxes for 5 years.I had talked to XXXX XXXX, in the XXXX XXXX XXXX in XXXX WI, and who had originated my loan. I talked him 3 times and he assured me that it would not be a problem to renew to mortgage. In XXXX or XXXX  on XXXX had left his position.
I called to see if anyone could assist me but to NO avail. The problem is the U.S bank only services the loan but has NO money in the loan and therefore has so incentive to work thing out. Early in the process, after I realized that my " modification '' was going nowhere I told them I would pay them 5 years of payments and 5 years of taxes up front as good faith. They told me that they could not because the loan was due in full.
In XX/XX/XXXX I left my position to become a XXXX XXXX after 25 years in the XXXX XXXX XXXX profession in which 20 years I owned my company so I am very familiar with to whole process in including the XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX because in how the mortgage servicing was handled I had a XX/XX/XXXX and was hospitalized for 3 weeks and I am still on XX/XX/XXXXtoday. The doctors said the XX/XX/XXXX occurred due to XXXX which was at least partially and entirely the way the mortgage was handle for 2 years. Had they just renewed the mortgage note none of this would have happened. In XX/XX/XXXX i secured a position with XXXX XXXX but I have since lost that position due to my XXXX. I was only in the position ofr 3.5 months. That position paid me {$120000.00} plus incentives up to about {$190000.00}.
I have had at least 10 employee relationship managers and No one who can a decision. Also in XX/XX/XXXXwe had a offer for {>= $1,000,000} that finally got pulled inXX/XX/XXXX ( more that 11 months ) because U.S bank could not make a decision.
I summary I have never experience anything like this. It has been over 4 years since my balloon was due and I made numerous attempts to resolve it. There is about 4 years and 4 inches of correspondents which is too much to email. I have sent you the statement from XX/XX/XXXX showing my balance and the amount due. I can mail the rest of file if it is requested

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 2017-06-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on XX/XX/XXXXI purchased an item from Amazon.com for {$79.00} with differed interest for payment within six months.
<P/>
on XX/XX/XXXX I purchased an item from Amazon.com for {$79.00} with deferred interest with payment within six months.
<P/>
on XX/XX/XXXX, I purchased an item from Amazon.com for {$420.00} with deferred interest with payment within six months.
<P/>
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was not charged any interest charges, even though I had the two different charges with deffered interest for payment within six months. I paid them {$7.00} on XX/XX/XXXX. My previous balance was {$7.00}, my payment was {$7.00} and purchases/debits was {$230.00}.
<P/>
On my statement from Synchrony Bank/Amazon, which has the closing date XX/XX/XXXX, Synchrony Bank/Amazon charged me {$1.00} in " interest charges, '' even though I made a payment of {$77.00} on JXX/XX/XXXX. My previous balance was {$230.00} ; purchases/debits were {$600.00} and my new balance became {$760.00}.
<P/>
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was charged {$1.00} in " interest charges, '' even though I paid {$64.00} on XX/XX/XXXX My previous balance was {$610.00} ; purchases/debits were {$21.00} and my new balance became {$570.00}.
<P/>
This is not the first time I have purchased an item with differed interest from Amazon.com and have been charged interest fees. In XX/XX/XXXX, I had a refund for the ( less than {$2.00} ) interest fees from that purchase. I can produce paperwork in the future.
<P/>
I am so tired of calling them to refund XXXX dollar here and there. It is so ridiculous and when I call customer service at XXXX, they tell me I can allocate my payment through their website. I am not a person that will ever trust Amazon.com to house my payment information. They have been hacked before and probably will be again. I want to pay them from my secure credit union 's online payment center and NOT call them every time I receive a statement! My other accounts, like XXXX XXXX and Lowe 's do not have problems doing this allocation ( although XXXX XXXX used to years ago ). Please HELP all the customers of Amazon.com with Synchrony Bank accounts who believe that they can purchase something with deferred interest! 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 monetary relief
Consumer complaint received 2022-03-11
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.

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 2022-08-08
Company: EQUIFAX, INC.
State: VA
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 ordered a copy of my report in Identity Id dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check and correct the payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX Balance : {$93.00} XXXX XXXX Balance : {$24.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation